Continental Finance Company, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94806
Web
XXXX XXXX XXXX XX/XX/XXXX Continental Finance : Dispute In XX/XX/XXXX, I, XXXX XXXX, entered into a financial agreement with Continental Finance, to receive a Reflex credit card with a {$500.00} credit limit. The agreement included use of my XXXX XXXX XXXX XXXX account for all XXXX account payments. As is typical with these financial arrangements, I provided Continental Finance with my XXXX XXXX XXXX XXXX account and routing number. ( Copy of statements dated XX/XX/XXXX and XX/XX/XXXX are included in this file. ) Almost immediately, issues arose regarding the access to current and accurate information provided in XXXX online website, when in XX/XX/XXXX, I made a {$300.00} online payment on that account. When I referred to the account the next day, 1 day before the payment was due, there was no evidence I had made the payment arrangement. ( This was a recurring issues ). Worried that I might be charge a late fee, I made another {$300.00} online payment. A few days later {$600.00} was extracted from my account, well in excess of the balance due. In telephonic communication with a XXXX representative who instructed me that the only way to correct this was to arrange a conference call from the office of a Credit Union representative. The call was made from the office of XXXX XXXX, a Senior Service Specialist at XXXX XXXX XXXX XXXX XXXX XXXX in California. The issue was resolves and {$300.00} was returned to my account. In XX/XX/XXXX, the credit limit on the card was raised to {$1000.00}. Between XX/XX/XXXX and XX/XX/XXXX each XXXX payment was made on time without incident from with funds accessed via XXXX XXXX. On XX/XX/XXXX, I reported the loss of my XXXX credit card account number ending # XXXX. Although, XXXX would later claim ( XX/XX/XXXX ) that it opened a second account number ending # XXXX, I never received that card nor was a charge ever made on that card. My last charge on a XXXX issued card was on XX/XX/XXXX, on account number ending # XXXX. I never requested another card or account and I never received one. On XX/XX/XXXX, I made a {$170.00} payment on the account which XXXX failed to retrieve. Subsequently, I was denied online access to my account preventing me from evaluate the issue. On XX/XX/XXXX th XXXX, I called to find out what the was the problem. Nothing about my account activities prevented access to the funds available in the account. When I had attempted to access statements via XXXX online website there was no statements available. The statements link at the top of the web page possess no statement access. I requested that I be sent paper copies of the previous 4 months ' worth of statements and the Reflex rep said that I would be provided with those. That never happened. I would only have online access to account information from XX/XX/XXXX th until XX/XX/XXXX during which time I made 3 additional payments. {$210.00} on XX/XX/XXXX th, {$150.00} on XX/XX/XXXX and {$150.00} on XX/XX/XXXX. According to the online web page that should have brought my account balance down to {$310.00}. My only interest at this stage was pay off the account as quickly as my resources became available and close the account. Once I became aware that online access to my account was once again blocked, I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX and I had the credit union rep, XXXX XXXX, make a conference call to Reflex. Ms. XXXX led the conversation. The XXXX representative who when pressed by MsXXXX XXXX, would only identify himself as XXXX. XXXX would go one to claim that retrieval of the two recent payments I had made on XX/XX/XXXX ( {$150.00} ) and XX/XX/XXXX ( XXXX ) had been denied. He then said my account activity appeared fraudulent and that I would have to pay my entire balance of {$640.00} before I would be granted access to my account. I told him that the reason for my call was on that date was to prevent any late charges to my account with the next payment being due on the 2nd. I attempted to arrange a payment on the spot to prevent any additional charges but was denied. I told him making payment in full, but obviously I had become highly motivated to end my relationship and close the account. This disturbing conversation only elevated that mitivate. I told him the account would be paid as soon as was possible. At the end of the conversation, I asked MsXXXX XXXX to recite my account number to XXXX. XXXX claimed that the account information she gave him was not the information he had. The same number that XXXX to access the funds for payments from XX/XX/XXXX all the way up through closure of the XXXX account number ending in # XXXX in XXXX of XXXX. The same XXXX XXXX XXXX XXXX account that I still maintain. Nothing about that account has changed. I have enclosed in this file a copy of the account statement dated XX/XX/XXXX as well as a copy of the statement dated XXXX. If fact, while Continental Finance was having so much trouble gaining access to the 5 payments made between XX/XX/XXXX, and XX/XX/XXXX XXXX different entities with the EXACT same information, had no trouble accessing funds, they were uninterrupted for payments made on those accounts during the same EXACT period. XXXX XX/XX/XXXX. A total of 7 payments made between XXXX XXXX to XXXX XXXX, XXXX XXXX and XXXX Insurance XXXX I have enclosed 7 screenshots of payments made to XXXX XXXX drawn on the XXXX XXXX XXXX XXXX account from XX/XX/XXXX XX/XX/XXXX. I have included another 7 screenshots drawn on the same account with the same EXACT information by XXXX XXXX, XXXX XXXX and XXXX in XXXX, XXXX and XX/XX/XXXX. Each of those screenshot display date of payment, amount of payment, account balance and entity receive funds. I think its highly likely that XXXX XXXX closed the account ending # XXXX and opened the alternate account ending in # XXXX despite the absence of my interest, it did so in error. The account information that what used to open the account in XX/XX/XXXX and remains the same to this day was altered, intentionally or otherwise, that information remains the same to this day. As for the lost debit card, that card number is inconsequential and irrelevant. The account number and routing number is the information that provide access to funds in this account. That is the information used by every other company to receive their payments. It also bears mentioning that I have 4 other credit card accounts. I have never made a single delinquent payment and each of those accounts are either at, or very near a {$0.00} balance. I also have 3 bank accounts that Ive never been charged a single overdraft fee without ever paying for the service. After my disturbing conversation with the rude, provocative and offensive XXXX representative XXXX and his attempt to bully me, I received regular XXXX account statement. My balance had gone from the {$640.00} figure XXXX had quoted me to {$730.00}. This would be the last correspondence I would receive from XXXX XXXX XXXX XXXX end of XX/XX/XXXX, after I had filed a dispute against Continental Finance with the Consumer Financial Protection Bureau XXXX On XX/XX/XXXX, I had a certified draft for {$250.00} and sent that check to XXXX via XXXX mail U.S. Postal service. I repeated this procedure on XX/XX/XXXX th, XXXX ( XXXX ), then again on XX/XX/XXXX ( {$230.00} ), for a total of {$730.00}. On each envelope was my address. The same address Ive maintained since XXXX, XXXX. The total cost for Priority mail delivery {$41.00}. After each payment, I waited for return correspondence. It never came. I concluded that my business with XXXX XXXX XXXX XXXX be over. ( All documentation is provided in this file ). In XX/XX/XXXX, while checking my credit report, I found out that my account had not been closed. Continental Finance was maintaining that I continued to have, an outstanding balance had missed 3 consecutive payment and was being penalized each month financially as well as the damage being done to my report. On XX/XX/XXXX I filed a dispute with the Consumer Financial Credit Bureau ( document enclosed ), I described my experience and on XX/XX/XXXX the Consumer Financial Credit Bureau received a response from Continental Finances Senior Vice President, XXXX XXXX and the case was marked closed. Several days later ( XX/XX/XXXX, I received a copy of that response, the first direct correspondence I had received from Continental Finance since XXXX of XXXX. The response, from Ms. XXXX, was filled with inaccuracies and factual errors. ( a copy of document is included ). In it, she claims, on XX/XX/XXXX, that I reported a lost card, which is true. She also claims that a replacement account ending # XXXX was opened to replace account ending # XXXX. Which I was never aware of. At the time I notified Continental Finance of the lost card I never requested another account be opened nor did I request a new card be sent to me. I never received one. My last charge on a XXXX credit card was on XX/XX/XXXX account number ending # XXXX, for {$20.00}. Next, she claimed the payment I submitted on XX/XX/XXXX was denied as unauthorized payment. It bares noting, it is at this points each subsequent payment made over the next 2 1/2 months ( 4 ), were also denied. The information necessary to access and receive funds on this account had not changed. Account number and routing number remained the same. Having been issued a new debit card with a different number was inconsequential and irrelevant. Simply stated, Continental Finance failed to enter the proper information. Period. It had nothing to do with my activity on the XXXX XXXX account. My account access was then suspended from XX/XX/XXXX XX/XX/XXXX. XXXX XXXX then claims I stopped payment on the account because of fraud. This is false. I NEVER made that request to XXXX XXXX. I never said that nor would I have reason to do so and there is no evidence to support that claim. In fact, each of the banking statements, covering that same period of time, ( XXXX XXXX XX/XX/XXXX ) In my experience, banking institutions charge fee for this service. XXXX XXXX charges? There is not a single instance that suggests that Continental Finance had attempted to access funds in this account and had been denied. Nothing. I have never found it necessary to stop payment on anything in many years and this circumstance is no exception. Yet, during the same period, ( XX/XX/XXXX-XX/XX/XXXX ) under the same circumstance, with the exact same information Continental Finance is in possession of, XXXX XXXX, XXXX XXXX and XXXX accessed 7 the funds for 7 different payments ( documents enclosed ). I have also, reluctantly, enclosed my entire banking statements for the months of XXXX, XXXX, and XX/XX/XXXX. Most of this information is not the business of Continental Finance, but in the interest of resolving this matter, these documents show 0 activity associated with Continental Finance. Fortunately, XXXX XXXX, are most credible financial institutions, are in the business of serving their customers, consistently providing them with accurate providing accurate and timely information and supports. Continental Finance has set an extremely low bar. Next, Ms. XXXX claims, XXXXontinental Fianance, has suddenly and conveniently forgotten how to deliver mail. She claims, on XX/XX/XXXX, Continental Finance received return mail on my account. While it is conceivable, though dubious, that a mail carrier can insert a piece of mail to a mailbox, in a bank of boxes, in a senior building, when that happens the receiver of that mail would leave it out to be retrieved by their neighbor, but, according to Ms. XXXX, it happened again in XX/XX/XXXX. This premise is ridiculous, particularly since it was in XX/XX/XXXX, that same month, that I received the last original statement, indeed, the last correspondence from until late XX/XX/XXXX after filing my dispute. This defies logic and establishes a definitive pattern of behavior that only serves Continental Finances interest. Consequently, Continental Finance, used this claim to justify the decision to withhold all access to my account information, online and by mail, all while adding charges, penalties and fees to my account and destroying my credit. The letter from Ms. XXXX, then goes on to claim, falsely, that on XX/XX/XXXX th, XXXX my address was updated. That never happened and is intended to mislead. My address has never changed. In fact, every piece of mail Ive ever received from Continental Finance, has the SAME address. I received, along with Ms. XXXX letter, on XX/XX/XXXX XXXX, copies of all back dated statements from XX/XX/XXXX through XX/XX/XXXX. On every one of those statements is the same address. Every delinquent notice and each of the 3 priority mail envelopes I sent certified checks in XXXX, XXXX and XXXX, all have without deviation, the same address. My current address. More than 40 pieces of mail. To suggest they were unable to deliver correspondence to me via mail defies credulity and is entirely self-serving. There isnt a single other instance where anyone, financial entity or otherwise, has claimed to have sent mail to me at this address and had it returned. Not once. This is false. If evidence exists that proves that mail was delivered to me on either of those occasions, something other than someone word, I havent seen it. Id be happy to examine it if it exists. Something like a returned envelope, a post marked envelope with my actual accurate address, though not definite, would be a start. From XX/XX/XXXX, when Continental Finance claimed to have closed account ending # XXXX and opened account ending # XXXX, I had online access to my account information for exactly 30 days form XX/XX/XXXX, until XX/XX/XXXX. I received one original mailed statement on XX/XX/XXXX. I received 0 mailed statements on my account until XX/XX/XXXX, all while being charged late fee, returned check fees interest fees, annul renewal fees returned check fees etc ... without ever being provided any information and despite the fact nothing about my address or account information had changed except for a debit card number which has no relevance to these matters Any and all claims to the contrary are false. In the letter I received in XX/XX/XXXX, from MsXXXX XXXX she wrote Since the guaranteed payments toward your account satisfied the {$730.00} balance, we have removed the hold on your account. I interpreted that to mean the account balance had been paid in full and that it would be closed which charged was what was my intention since XXXX of XXXX. However, on XX/XX/XXXX I receive a new, original statement, placing my balance at {$600.00}. This figure was update to {$340.00} in XXXX. As of the most recent statement/demand letter the figure now stands at {$510.00}. To have made any payments on this balance would be to acknowledge this debt. I do not. This current debt has been entirely manufactured all the back to the {$39.00} late fee in XX/XX/XXXX to the {$28.00} returned check fee in XX/XX/XXXX and all the interest payments that did not reflect the five payments I made between XX/XX/XXXX, and XXXX of XXXX, the last month I received a statement from Reflex. XXXX was never without the information to access those funds and their failure to process the proper information when they changed my account is entirely their own. I have no intention of being bullied into paying for its incompetence or intentional deception. Any single one of these failures individually could be construed as mistake, taken together, collectively, they appear as deliberate, malicious, and fraudulent. The net result of these activities all serves Continentals Financial interests. Moreover, every charge administered between XX/XX/XXXX and XX/XX/XXXX, when I received no information whatsoever from which to respond proactively and effectively are similarly invalid. This account should have been concluded in XX/XX/XXXX again in XX/XX/XXXX and then again in XX/XX/XXXX. The most recent charges include an annual Fee of {$99.00} billed to my account in XX/XX/XXXX. I have been dragged through this debacle for 1 1/2 years and this experience has been startling, painful, stressful, and costly in time and resources. For the final time this account needs to be closed, my balance cleared, and my credit restored. On a final note. The statements Ive provide in this file are of two types : The originals that were sent during designated months and the copies sent in bulk. Its an important distinction. Failure to make this distinction might blur the lines regarding Continental Financials ' egregious withholding of information needed to administer this account properly. Thanks, XXXX XXXX XXXX XXXX. In conjunction with the delivery of this correspondence, I have renewed my dispute with the Consumer Financial Protection Bureau regarding this account. Hopefully, with new leadership, the agency will impose a greater degree of oversight toward financial institutions exhibiting these types of predatory behaviors.
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 958XX
Web
Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Confidential Finance ( XXXX XXXX XXXX, XXXX, DE XXXX - ACCT : XXXX ) ( DNF XXXX ) and Verve ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX - ACCT : XXXX ) ( Paid - {$0.00} Balance ), as well as the unauthorized third party agency XXXX XXXX XXXX XXXX XXXX and other unknown third party agencies, regarding the inaccurate personal information that they have reported on my credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms. Upon reviewing a copy of my credit report recently obtained from XXXX, XXXX, and XXXX, I was deeply disappointed to discover numerous errors and inaccuracies within the personal information section. These inaccuracies include incorrect addresses, outdated employment information, and erroneous account details. Naturally, I am deeply concerned about the potential impact these inaccuracies may have on my creditworthiness and overall financial standing. Moreover, according to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is permitted to include any adverse item of information, except for records of convictions of crimes that antedate the report by more than seven years. The inclusion of such inaccurate information in their reporting clearly violates this provision. It is evident that XXXX, XXXX, and XXXX have failed to adhere to their obligation under the Fair Credit Reporting Act ( FCRA ) to provide accurate and up-to-date information. I have already brought these inaccuracies to the attention of XXXX, XXXX, and XXXX, but I have received no responses for 45 days or more, which is both concerning and unacceptable. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has continue to damage my credit score with XXXX, XXXX, and XXXX by refusing to remove a paid and closed account from my credit report, and has therefore caused me economic hardship. I have formally given XXXX verbal notice, that I will exercise the rights bestowed upon me as a federally protected consumer by the Fair Credit Reporting Act ( FCRA ). As outlined in 15 USC 6802, I am hereby opting out of any and all authorizations, whether conveyed through written or unwritten means, verbally or non-verbally. In addition, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to a consumer reporting agency if the person providing the information knows or has reasonable cause to believe it is inaccurate. Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes specified under section 1681b. XXXX, XXXX and XXXX have failed to uphold these reasonable procedures. Furthermore, In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, XXXX and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. Also, XXXX XXXX XXXX XXXXConfidential Finance - Address : XXXX XXXX XXXX XXXX, DE XXXX - ( XXXX ) XXXX unlawfully contribute to disseminating my private information without sufficient notices. 15 USC 6802 ( b ) ( c ) specifies that a financial institution, can not disclose nonpublic personal information to a non affiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. The Furnisher failed to inform me of my right to exercise this option. And sold my personal information to a third party without notice verbal or written notice Additionally, in consideration to accounts, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXXConfidential Finance , they are both in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This specifically includes : Subsection ( b ) under Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Furthermore, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXXConfidential Finance have violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXXConfidential Finance has not furnished me with an OPT OUT notice before adding anything positive or negative to my consumer report. I must emphasize that there are multiple errors throughout my credit report from all three credit bureaus, and it is my right, as protected by fair credit reporting laws, to have these accounts reported accurately. I have taken proactive measures to ensure the accuracy of my credit report, including regular monitoring of my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, it appears that XXXX, XXXX, and XXXX have failed to fulfill their obligations in this regard. Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau in this matter to promptly rectify the situation. Specifically, I am requesting the following actions : 1 ) Review the enclosed copies of relevant documents, including my credit report highlighting the inaccuracies. XXXX XXXX XXXX XXXX XXXX 's, XXXX 's, and XXXX 's reporting practices and ensure compliance with the FCRA. 3 ) Promptly correct the inaccuracies in my credit report and notify me of the corrections made. 4 ) Take appropriate measures to prevent future instances of inaccurate reporting by XXXX 's, XXXX 's, and XXXX 's. 5 ) Investigate the XXXXXXXX XXXX XXXX XXXX XXXX unfair or deceptive acts or practices, as well as their continued negligence with regard to consumer privacy. I want both of these reported accounts deleted of my report for inaccurate reporting under FCRA and violation of the Privacy Act of 1974, as all information reported must be 100 % accurate and properly disclosed ; and as part of their settlement XXXX XXXX is required to make restitution for this violation.
08/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • LA
  • 705XX
Web
My name is XXXX XXXX and I am a natural human. I have filed this vase based on my belief based on research. 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 3. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the Affidavit Page 2 of 5nmanner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 4. ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 5. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 5. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 6. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my blood pressure up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. 7. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt. 8. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and depression created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them. 9. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than $ XXXXnAffidavit Page 4 of 5 10. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
12/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94806
Web
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX Email : XXXX PH # XXXX To whom it may concern, In XX/XX/XXXX, when I became aware this organization was having trouble with the funds available for this account, I arranged a 3-way telephone conversation with my banking institution XXXX XXXX XXXX XXXX XXXX in the office of Senior Service Specialist XXXX XXXX to resolve this matter. We contacted a XXXXXXXX XXXX XXXX representative who introduced himself as XXXX. In that conversation, XXXX claimed that the 4 previous online payments I had made between XX/XX/XXXX, and XX/XX/XXXX, had been returned as unauthorized, that the XXXX XXXX account information I was using for payment for XXXXContinental Finance Card payments was inconsistent with the information I was providing him with at that time, and that I was engaging in fraudulent activities. The genesis of this issue began in XX/XX/XXXX, when I reported to XXXX that I had lost my wallet and in that wallet was my XXXX credit card and my XXXX XXXX debit card. XXXX closed that account and opened another one, to which I had access for 1 month, which failed to provide the information that might have been used to effectively address the issue. No card, just online access to my account information. XXXX XXXX also sent me a new card with a new card number. The account number and routing number remained the same. At that time, I was under the impression that, as is with all my other online financial relationships, it is the account and routing numbers that are used to access funds from these accounts, not the debit card number. There was never anything nefarious, as was implied, about these activities. It this area XXXX Continental Finance is unique. It seems illogical, but this is apparently the case. So, for those next four payments and ultimately a fifth payment XXXXContinental Finance was using a card number that had been removed from circulation. The XX/XX/XXXX account statement, the only and last statement I would have access to, make no mention of failure of XXXXContinental to access funds authorized by the online payments I had made. The statement only said Thank you for your Payments. There were three of them listed on that statement. That was the last information I would have until I became aware of a problem and immediately called to resolve it and to XXXX representative XXXX in late XX/XX/XXXX when he demanded I pay my account in full, with the balance, at that time, being {$640.00}, before I would, again be granted access to my account. I told him that would not be possible, but that I would be paying off the account as soon as resources became available. I subsequently received a regular statement, in late XX/XX/XXXX the last until XXXX of XXXX, the balance now {$730.00}. The fact that XXXXContinental Finance response is to deny access to account information prevents consumers from identifying the root cause of these issues and is compounded by the aggressive and accusatory manner of its representatives. The second issue, a persistent one, is Continental Finances claim that that it was unable to provide me proper, regular and consistent documentation of my account activities and status. Information essential to proper address of these issues. In correspondence with Senior Vice President for Continental Finance, XXXX XXXX, in late XX/XX/XXXX, she claims that in XX/XX/XXXX, correspondence sent to me, was returned and a decision was made to send me no more documentation henceforth. This is a curious proposition given it was also XX/XX/XXXX that I received my last statement, by mail, from XXXXContinental Finance , which is how I came to be in possession of the statement placing my balance at {$730.00}. A balance that would be paid with 3 cashier 's checks that were cashed between XX/XX/XXXX -and XX/XX/XXXX for a total of {$730.00}. Each of those payments was sent via priority mail and on each of those envelopes was my return address. I received no acknowledgment of any of those three payments and I considered the account to be closed at that time. There is an obvious contradiction here. I received no correspondence from XXXXContinental Finance between XX/XX/XXXX, and XX/XX/XXXX, when I received a response from XXXX XXXX to a complaint filed with Consumer Financial Protection Bureau XXXX In a letter XXXX XXXX sent on XX/XX/XXXX, she referenced attempts to contact me via telephone. At this point, telephone communication with XXXXContinental Finance was not a viable option. Given the accusations and hostile nature of previous telephone contact with XXXX representatives that made this manner of communication offensive and counterproductive. It is also worth noting that there would be no point having a verbal conversation regarding information/documentation I havent been provided with. Which renders a verbal conversation a moot point. With XXXX XXXX response I received on in XX/XX/XXXX, I finally received account documentation I had been requesting since XXXX of XXXX. In the letter, XXXX XXXX acknowledged the error in not providing me with proper account documentation and agreed to reverse charges and late payment notices accessed to my credit report. My primary concern articulated in my complaint was that I have not assessed any charges that were a result of Reflex/Continental failure to provide me with the information necessary to manage my account effectively. Again, I believe this matter to be resolved. Then, on XX/XX/XXXX, I received a statement from XXXX. The statement now placed my balance at {$600.00}, including a charge of {$99.00} for an annual fee for the period of XXXX XX/XX/XXXX. In XX/XX/XXXX I received a statement now placing the account balance at {$340.00}. Refunds for late fees had been deducted for charges accrued for the months I was not receiving statements, but the annual fee remained. This charge, like the others that were now refunded, was a direct result of XXXX/Continental Finances ' failure to provide me with monthly documentation. This charge would not have been possible except for this failure. It should be reasonable to assume, given my conduct, that provided with current accurate information at any time dating back to XX/XX/XXXX, I would have paid the balance well in advance of any potential annual fee. Had I been sent a statement that placed my balance at {$220.00}, supported by accurate documentation, I would have paid the balance at that time and this account would have been closed. The {$99.00} annual fee and all subsequent charges are not legitimate. If I were to pay any payments on this account, I would be acknowledging these charges, which is why I havent.
08/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20876
Web
This is a complaint against Continental Finance regarding to XXXX Credit Card billing dispute XX/XX/2018 just receive the card XX/XX/2018 # XXXX ( Suppose to receive one card # XXXX XX/XX/XXXX, however told I had to pay {$50.00} deposit XX/XX/XXXX and the card will be mailed however received the XXXX credit card # XXXX XX/XX/XXXX which was cancelled ) Three weeks for mailed XXXX credit card # XXXX. First, I applied and received all my credit cards the month on XXXX and XXXX within 7 to 10 days period from other companies. However, the XXXX credit card by Continental Finance refuse to mail out a card when I applied in XX/XX/2018, conducting false and misleading advertisement ( card within 7 to 10 days ), coercion ( want me to give up ), and discrimination ( due to my race ). I believe they are maliciously abusing the rules and polices. I believe that the Manager of Operations name XXXX and the VP are false- they are supporting false identity individuals on the phone who sound tones familiar as the same person such as XXXX , customer service supervisor. Continental Finance coerce me to quit or give up I am not as they are violating my rights. XXXX, supervisor customer agent at Continental finance called me XX/XX/2018 and I returned his phone call XX/XX/2018. I told him that the XXXX credit card ending # XXXX was mail out XX/XX/XXXX ( stamp on the envelope ) from Virginia and I received it in my mail box XX/XX/2018. It was supposed to be mailed out XX/XX/2018 and then I was told to pay {$50.00} to fund a deposit get another mailed XX/XX/XXXX, that credit card was never mailed, either. I informed XXXX the stamped envelope proves that the XXXX credit card ending # XXXX was mailed out from Virginia XX/XX/XXXX and Continental Finance is trying to trick me that they mail out the XXXX credit card ending # XXXX XX/XX/XXXX and/or XX/XX/XXXX. Both times the XXXX credit card was never mailed out on both of those dates. In addition, I was fabricated and misled by Continental customer service because I didnt receive the card I was instructed to fund a {$50.00} deposit on XX/XX/XXXX to receive a card in mail ( See Attached ), I never received the XXXX card. I believe that Continental finance is violating the Equal Opportunity Credit Act, State and Federal laws misleading and false advertisement. In addition, collecting my {$50.00} deposit to receive a card that they never mailed to me. Continental Finance refuses to send out the card on two times and mailed out a XXXX credit card XXXX on XX/XX/2018 by the stamped envelope. They are also retaliating against me because I filed a complaint which is within my civil rights. They are trying to coerce me, so I will withdraw my application which I refuse to do. However, they are conducting false advertising card mail out 7 to 10 days. They are also conducting false advertising that an applicant must pay {$50.00} before they receive a card, also. They are discriminating against me because I am XXXX. My attached evidence to this letter proves Continental finance is malicious intentional producing fraud and false advertisement. The envelope which you will see the date XX/XX/2018 which is stamped, where it came from Virginia zip code XXXX, the contents inside the envelope is the paper which card is attached to shows on the right-hand corner A {$500.00} Credit Limit Awaits, instructs to simply fund the {$50.00} Security deposit and enjoy your XXXX card. You will see the instruction how to fund the {$50.00} security deposit 5 ways on the right-hand side of the letter. The 3rd evidence is XXXX card # XXXX. Continental finance customer service desires to blame the post man when they were dishonest that they didnt send the cards on XX/XX/XXXX or XX/XX/XXXX. What will be their excuse on XX/XX/XXXX when the XXXX credit card will not arrive within their advertised time period again? After I was forced to call card service by the Manager of Operations XXXX on XX/XX/XXXX that he wanted me to fabricate the card was stolen but I told them I never received the card. Then the old XXXX card payment date # XXXX payment date was XX/XX/2018 and I was told when the new card arrives around XX/XX/2018 the new statement date payment will be changed and will not be XX/XX/2018. Therefore, I will be paying less time than another customer who has a month while I must pay a monthly payment less than 14 days which is bias and discriminatory. They want me to force to pay to destroy my credit out of retaliation less than 14 days a monthly payment. I havent received a monthly billing statement for card # XXXX however # XXXX which is XX/XX/2018 for {$35.00} however when I called they are trying to make me pay {$35.00} without using the XXXX credit card. XX/XX/2018, I was told by XXXX, Operations manager to contact card services to state my card was lost however I reported I never received my card to card services. I was told that my card supposed to come 7 to 10 days which should be XX/XX/XXXX to XX/XX/XXXX, but I believe due to their bias and retaliatory they will maintain the bill for XX/XX/2018 violating their own advertisement concerning billing and time period even though they collected my {$50.00} deposit on XX/XX/2018. I believe I am a victim of false or misleading advertising, monthly billing scam ( paying a monthly bill within 12 days after receiving a card # XXXX ) discrimination and retaliation, I am in the process in contacting a lawyer to discuss what legal actions, stealing my fund deposit/ no XXXX credit card, fraudulent bill XX/XX/XXXX, reckless policies or what rights they violated against me. In addition, concern that they have in their possession my birth certificate, Drivers license, and social security card for future purposes for what? CC : XXXX CFPB and XXXX CFPB Congressman/FTC/DOJ/ FDIC/Congressional XXXX XXXX FDIC against XXXX XXXX See Attached All Emails sent to Continental finance and XXXX XXXX- never respond back The Envelope the XXXX card # XXXX and contents The Bill from # XXXX XX/XX/XXXX for {$35.00} they trying to charge me for a card I just receive # XXXX
08/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • NY
  • 11432
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/2023 Continental Finance LLC XXXX ( Platinum, Mastercard ) XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX ( XXXX ) XXXX - XXXX Subject : Urgent Complaint Regarding Excessive Interest Rate Charges and Unjustified Excessive Illegitimate Amount charges by XXXXXXXX XXXX XXXX Bill : Dear Sir/Madam, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the exorbitant interest rate charges that have been applied to my credit card account with XXXXXXXX XXXX XXXX XXXX. However, I am going through the worst financial hardship of a financial constraint situation. Last month, XX/XX/2023, XXXXXXXX XXXX XXXX sent me an email in which the total bill was {$260.00}. Payment was made on the XXXX of the month. How did I pay them through autopay, as I set up XXXX XXXX XXXX last month, I made only {$65.00}, which was the minimum amount, and {$200.00} is left, which I am supposed to pay the minimum amount next XXXX. What happened? When I checked out my checking account, XXXX deducted {$200.00} US Dollars payment was posted on XX/XX/2023 and, the same day, they again deducted {$65.00} more. Then I was surprised and frustrated as to why XXXX XXXX credit card was deducted {$200.00} from my bank account. Later, when I called XXXX, the lady representative spoke to me. I told her I had just made only {$65.00}, not a total of {$260.00}, so your XXXX company deducted all the amounts, so she told me as you set up an autopay, so, it came all amounts automatically. Then I asked her to claim {$200.00}, which did not include my payments only {$65.00} US Dollars. I asked her to please refund. XXXX has to be refund this amount, {$200.00}, to my XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX lady told me, OK, I will forward it to your appeal to claim {$200.00} to our Card services department so when, appeal will approve XXXX company to transfer {$200.00} US dollars to your XXXX XXXX XXXX, but it has to14 weeks to approve your appeal in the meantime you can call us back within 14 days I said, OK I can wait.. But 14 weeks had passed, I did not get a refund. Then, after 14 days, I called them back. I spoke to the same lady. I recognized her voice, then she laughed a little. Oh yes, I am the same person she said that to me. Then I asked her what the status of my claim was ; {$200.00}. She told me no. I have not received your appeal approval yet, so still on appeal, so it takes 1 week more, so you can call us after 1 week. Then I got frustrated and worried and asked her about how long it would take time for approval. She told me it took approval several weeks. Then, after 1 more week, I called her again, the XXXX XXXX XXXX. At that time, another person received a call. He was male again. I explained to him again from the start that the person told me OK but I am going to transfer to our card department. Then a lady came again from the card department, then she told me again and again, your {$200.00} refund is right! We will be refunding back your {$200.00}, right? I said yes, {$200.00}, then she told me OK, it will come to your account within 3 business days. It is processed for transfer {$200.00} according to the XXXX XXXX XXXX XXXX lady. After 3 business days, when I checked my XXXX XXXX XXXX checking account, nothing came at all into my XXXX XXXX XXXX account. It seemed to be like XXXX credit card had no intention of refunding my money back. {$200.00} Then I have not received any amount so far. That means they took all the balance, {$260.00}, without a refund. Later that month came XXXX, then I called XXXX credit card. Then I spoke to a lady. I told her I wanted to close my XXXX credit card account because I am so frustrated and fed up with your fraud and unjustified amount and I had never got any refund of {$200.00}, so please close my account and remove my autopay from your XXXX card system. Then the lady told me OK, we are going to close your account and remove your autopay from our system. Then I was a little relieved my account was closed. In the first week of XXXX, what happened? XXXX credit card texted me again XXXX, please You have a payment due on your XXXX XXXX on XXXX. Click here XXXX to make a payment. Reply STOP to unsubscribe from text messages. You must pay your XXXX credit card dues.Then I got so surprised and worried as they closed my account then why they texted me even XXXX told me I do not have any balance so far, so your account has been closed. I called XXXX XXXX XXXX again and then I talked to the lady I told her my account had already been closed according to you I dont have any balance so why I pay again on top of that XXXX didnt refund back to my {$200.00} US dollars what amount she told me no this is your last payment you have to pay this amount you go to link website then pay this amount once you pay this amount your account will be closed forever. As a responsible and diligent cardholder my last payment, which was outstanding balance, I made the last payment {$510.00} to XXXX XXXX XXXX on XX/XX/2023. Once I paid that amount, I called XXXX XXXX XXXX XXXXXXXX again I mentioned to them I paid that amount. The person told me OK that is your last amount now I am going to close your account forever you do not have any more bills in the future. What happened? I received XXXX XXXX XXXX XXXX bills again by mail on Monday XX/XX/XXXX even though my account closed but which means they lied to me they did not close my account still an active for money trapping. Before I opened the envelope, I thought they had sent me a clearance letter for cleared all dues by me XXXX credit card it was bills again and how much they putted {$94.00} I could not understand why XXXX XXXX XXXX XXXXXXXX keep harassing me and XXXX money from me I was so shocked and deeply concerned as to why they are trapping me for XXXX money. Sir/Madam, I do not want to be further financially victimized by XXXXXXXX XXXX XXXX XXXX.
10/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 080XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CONTINENTAL FINANCE COMPANY bal. {$770.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48221
Web
I don't appreciate this company 's employees even after i made it CLEAR to them from the start that due to medical conditions i couldn't hold the phone to my ear long or be on long calls how they kept me on a call on XXXX for 2 hours and they didn't even try to resolve the issues they were just taking notes. CLEARLY their employees have zero Consideration for any customers. When my account balance is paid off i'll NEVER use this card again. Apparently Continental Finance was the wrong company to do business with and i will NEVER use their cards again. They punish their customers for making what they think is too much of a payment because they want customers to keep carrying a balance just so they can keep charging you Interest every billing cycle and even though i've become ill i intend to get both of my cards the XXXX XXXX and the XXXX XXXX paid in full so i will NEVER have to deal with XXXX XXXX ever again. *PROBLEM # 1 ...... I've been requesting medical documents for my Claim from Continental Finance/Surge Credit Card Company since the beginning of XX/XX/2021 for my Doctor to complete yet their so called department that take claims have repeatedly lied that they emailed me the form yet to this day on XXXX i still haven't received this form. They also never did resend to me new medical documents for my XXXX XXXX XXXX that i have with Continental Finance. CLEARLY i'm paying monthly for their insurance that is suppose to cover payments if you become ill and disabled yet they have repeatedly lied about sending me the medical documents by email. *PROBLEM # XXXX ...... On XXXX i went on the credit card app for the XXXX XXXX XXXX and scheduled a payment for {$450.00}. It showed the payment was successfully scheduled. When i checked my account on XXXX at XXXX XXXX the Balance had decreased but my Available Credit was still the same so they're with-holding my funds yet if i pay a much lower amount they don't hold it yet they've refuse to tell me why they with-hold larger payments for 10 days yet smaller payments they post it to your Available Credit immediately or at midnight. This is Penalizing the customer for paying their Balance down to pay it off. When i scheduled the payment on XXXX icould see the payment Pending but when i logged out and logged back in the Pending payment had disappeared. I immediately contacted the XXXX XXXX XXXX XXXX thru Continental Finance. I didn't mean to be harsh but their phone agents don't Comprehend English so they make things up as they go along. I first spoke to a phone agent name XXXX. This agent acted as if she couldn't Comprend simple English. I asked her over and over to CANCEL the payment when she told me i would have to wait 10 days because they were going to with-hold the payment until after the due date. That will cause me to get a LATE FEE. Clearly Continental Finance/Surge intentionally hold customers payments until after the due date so they can then charge the customer a Late Fee and i've read other customer complaints about the same thing as well. I then kept asking XXXX over and over to get a Supervisor and she kept lying that she first was transferring me to a Suppervisor yet she kept me on hold waiting for a half an hour and kept lying she was transferring me then getting a Supervisor yet she's working from home and i could here a dog in the background. She also kept laying the phone down. She finally got a Supervisor name XXXX who was WORST than XXXX. XXXX also acted as if she didn't Comprehend XXXX like XXXX. XXXX also was putting FALSE notes on my account and continued lying saying things i know i didn't say. Then XXXX tell me she put in my account that i said i no longer needed the medical form which is a blatant LIE. XXXX also stated she put on my account that i wanted her to close my account which is another blatant LIE. However i did tell XXXX that i won't be using their card services anymore but i NEVER told her to close anything. I also told her to close the account as well and she also claimed she couldn't because it was past XXXX XXXX I've NEVER been told that you have to cancel a payment by a certain time and i don't ever call in so i wouldn't have known that. I asked XXXX why they don't hold a payment if it's {$150.00} or {$250.00} yet when i make a payment for {$450.00} to bring the balance down they with-hold the payment for 10 days and XXXX kept evading my question and apparently she was working from home and couldn't Comprehend XXXX either and she also kept laying the phone down even after i told her due to medical reasons i can't be on a long call or a long hold yet i was on this call 2 hours. They know the 10 days will go past my due date which is on the XXXX of every month which also mean 10 Business Days from the date i made the payment on XXXX the payment will be with-held until XX/XX/2021. Customers can't pay their bill with a debit card on their app or on their website which mean the customer have to call in if they're using their debit card and be charged a {$10.00} fee just to pay your own bill. *PROBLEM # 3 ...... CLEARLY Continental FinanceXXXX XXXX XXXX XXXX will Penalize their customers who pay on time, pay more than the payment due, and pay days in advance. If you make a payment that is too much such as {$350.00} or {$450.00} Continental FinanceXXXX XXXX XXXX Penalize you and with-hold your payment 10 Business Days and past the due date so they can then charge customers a Late Fee. I always schedule payments with any company the day before i get my Direct Deposit and if they had a way for customers to pay on their website and on their app and calling in to deal with their phone agents is HORRIFIC.
05/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MD
  • 20735
Web
XXXX/CONTINENTAL FINANCE ( c/o XXXX/Continental ) Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I drafted a letter to XXXX/Continental Finance ( c/o XXXX/Continental Finance ) that challenged the accuracy and completeness against my XXXX Credit Bureau Report. Specifically, between dates XX/XX/XXXX and XX/XX/XXXX, the charge card that listed in my name reported the account 30 days late and 60 days late. That same day, I mailed the letter through U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX to XXXX/Continental Finance ( c/o XXXX/Continental Finance ). On XX/XX/XXXX, XXXX/Continental Finance employee " XXXX '' signed and dated " XX/XX/XXXX '' the green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card. Upon receipt of the green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card, I pulled a copy of my XXXX Bureau Report # XXXX for " XX/XX/XXXX '', and upon review, I noticed that : XXXX/Continental Finance ( c/o XXXX/Continental Finance ) was liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). because XXXX/Continental Finance ( c/o XXXX/Continental Finance ) did not " furnish the information to any consumer reporting agency without notice that such information is " disputed by the consumer '', on Day 1, which began on " XX/XX/XXXX '' and signed and dated by XXXX/Continental Finance employee " XXXX ''. OnXX/XX/XXXX, I received a letter dated XX/XX/XXXX that was mailed by XXXX/Continental Finance ( c/o XXXX/Continental Finance ) XXXX, which clearly stated they, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) XXXX, They were unable to respond to my letter as a notice of dispute under the Fair Credit Reporting Act, because it didn't contain all of the required information. On XX/XX/XXXX, I pulled a copy of my XXXX Credit Report, and upon review, I noticed that : Yet again, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) was liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). because XXXX/Continental Finance ( c/o XXXX/Continental Finance ) did not " furnish the information to any consumer reporting agency without notice that such information is " disputed by the consumer '', on Day 30 ( XX/XX/XXXX ), which began on " XX/XX/XXXX '' and signed and dated by XXXX/Continental Finance employee " XXXX ''. I drafted a letter to XXXX/Continental Finance ( c/o XXXX/Continental Finance ) that was dated XX/XX/XXXX ( and mailed it through the U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ) to XXXX/Continental Finance ( c/o XXXX/Continental Finance ). The green U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX return card was again signed and dated on XX/XX/XXXX by XXXX/Continental Finance employee " XXXX '' In the letter, It stated the following : As you have violated federal law, by not properly, providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, ( via certified mail receipts, an XXXX Credit Report # XXXX dated XX/XX/XXXX, and a XXXX response letter, dated XX/XX/XXXX ) you must now remove the item. Any other action ( and inaction ) on your behalf mart result in a small claims action against your company. I would be seeking a minimum of {$1.00}, XXXX in damages per violation for : *Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) To date, XXXX/Continental Finance ( c/o XXXX/Continental Finance ) failed to respond to my letter nor have they taken any action to rectify this important matter. Resolution Requested : I request that XXXX/Continental Finance ( c/o XXXX/Continental Finance ) removed this account from my XXXX Credit Bureau Report.
07/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12144
Web
AMERICAS BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages. I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are seven posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX , XXXX.. On each of these collection notices it specifically states that Investment XXXX , XXXX. is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX , XXXX. the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year. On XX/XX/2017 a decision was handed down in the United States Supreme Court on a case called XXXX ET AL v. XXXX XXXX XXXX XXXX. This 11-page decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers. The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature. XXXX XXXX , XXXX. has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX , XXXX.. This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections. CURRENT OWNERSHIP HAS NOT SUBMITTED PROOP OF OWNERSHIP! A COPY OF THE XXXX v. XXXX XXXX XXXX XXXX. IS ATTACHED! I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR! I DEMAND THE PURGE OF MY FILES FROM THE CURRENT DEBT SOLICITOR. TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
11/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IN
  • 479XX
Web
Well, I have credit protection on two credit cards handled by the same financial service, but the cards are from two issuing banks. I have been affected by this COVID-19 and the cost soaring living prices due to the bottlenecking problems going on. Now, I am on XXXX, and these card issuers and this financial service company will not process my credit protection from the state of being of the Covid19 and COLA. As XXXX, SS, and SSI recipients, we didn't get any additional increases, only that of which is an average increase. Continental Financial Services , Inc., is the financial company, had denied me the credit protection I paid for due to being on XXXX before I filed for the credit protection hardships I am now experiencing ; I closed both of the cards out because the Continental Finances Service have denied me the right to these hardships I now face. The effects started happening at least six months ago ; I believe it was, and I contacted them when I began experiencing problems maintaining my bills. Continental Finance has been reporting this as of late payments and ruining my credit history of rebuilding my credit for the past two years with exceptional payment history. I was and had been searching for a personal loan. But because of them reporting as of late, payments are ruining any chances of me achieving my goal of this personal loan to pay off all my creditors and owe one loan with one creditor instead of the twelve open accounts. I had a company that sent me an RSVP of this loan I have been seeking. Still, my credit scores had plummeted to the lower XXXX when they used to be in the XXXX range with an outstanding payments history of not missing any payments before the Financial overseer of those two cards in question. The conversations with the financial company were by phone, and they insisted on ruining my credit by the denial of something I paid for and due to hardships. I have disputed this with all three credit bureaus and have constantly been redisputing. Contacting you for help with the shenanigans they persist with reporting delinquent payments has come to this. Now they plan on doing a charge of which will permanently affect my credit. However, I have XXXX XXXX due to natural causes of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am losing sleep over this matter, I haven't been eating, and I am concerned beyond belief. I've told them my intention of filing this complaint along with going to the XXXX and lodging a complaint there as well. So, here I am doing as I have constantly assured them in doing so. I would appreciate it wholeheartedly if you could assist me in this matter. One other thing : they have turned this over at one time with a collection company in which I had a phone conversation. They did not know me trying to get them to implement the credit protection I paid for on both cards in the same financial service company. So the collections company had turned this case around and filed their dispute because they didn't know of me filing for the credit protection to be implemented. They also had no knowledge of me disputing this with the credit bureaus as well. I am sorry. However, I have no documentation because all the communications were done via phone and online communications. They also send deceiving emails filing under other credit cards. I assume they finance as well. That along makes me so angry, and I am distraught because of such matters. I have filed already for the credit protections I paid for with one of the other credit card companies, XXXX XXXXXXXX XXXX, and they indeed were more than willing to implement the insurance for the next twelve months at least. I never intended any of this to happen, and I diligently maintained my agreements with all my creditors outside of closing the two cards out, which did have balances on them, but saw no other way to stop these ludicrous actions the financial company in question.
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60638
Web
Re : Complaint against Celtic Bank/Continental Finance and XXXX XXXX XXXX for XXXX of the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, I am writing to file a complaint against Celtic Bank/Continental Finance and XXXX XXXX XXXX for XXXX the Fair Credit Reporting Act ( FCRA ) by duplicating the same credit account they both reported on my credit report. This has resulted in a significant negative impact on my XXXX XXXX, causing me to be denied credit, loans, and other financial opportunities. According to my credit report, Celtic Bank/Continental Finance reported a charged-off account to the credit reporting agencies, which was subsequently sold to XXXX XXXX XXXX. However, both companies continue to report the same account on my credit report, causing a duplicate negative account for the same debt. This is a violation of FCRA Section XXXX ( a ) which prohibits a creditor from reporting a debt to a credit reporting agency after it has been sold to a collections agency. This means that if a creditor sells a debt to a collections agency, they are not allowed to continue reporting the debt to a credit reporting agency. This is to prevent duplicate reporting of the same debt, which can negatively affect a consumer 's XXXX XXXX. CELTIC BANK/CONTINENTAL FINANCE is violating this provision in my case. Additionally, FCRA Section XXXX ( c ) prohibits a creditor from reporting a debt to a credit reporting agency more than once for the same debt. This means that if a creditor has already reported a debt to a credit reporting agency, they can not report the same debt again, even if the account has been sold to a collections agency. This is to prevent duplicate reporting of the same debt, which can negatively affect a consumer 's XXXX XXXX. XXXXLTIC BANK/CONTINENTAL FINANCE is violating this provision in my case. Furthermore, FCRA Section XXXX ( a ) ( XXXX ) requires a creditor to provide notice to the consumer before reporting a debt to a credit reporting agency after it has been sold to a collections agency. This means that if a creditor sells a debt to a collections agency, they must notify the consumer in writing before reporting the debt to a credit reporting agency. This gives the consumer an opportunity to dispute the debt and correct any inaccuracies before it is reported to the credit reporting agency. CELTIC BANK/CONTINENTAL FINANCE did not follow this provision of the law and I did not receive this notice, thus violating this provision in my case. FCRA Section XXXX ( a ) ( XXXX ) - Requires a creditor to provide notice to the consumer before reporting a debt to a credit reporting agency more than once for the same debt. This means that if a creditor has already reported a debt to a credit reporting agency, they must notify the consumer in writing before reporting the same debt again. This gives the consumer an opportunity to dispute the debt and correct any inaccuracies before it is reported to the credit reporting agency. CELTIC BANK/CONTINENTAL FINANCE did not follow this provision of the law and I did not receive this notice, thus violating this provision in my case. In addition, FCRA Section XXXX ( a ) requires credit reporting agencies to maintain accurate and complete information in consumers ' credit reports. This includes checking for errors and omissions, verifying the information with the creditor, and giving consumers the right to dispute any inaccuracies. In this case, Celtic Bank/Continental Finance and XXXX XXXX XXXX XXXX XXXX the same account on my credit report, which is inaccurate and incomplete information, and a violation of FCRA XXXX XXXX ( a ). I am requesting that the Consumer Financial Protection Bureau investigates these violations and takes appropriate action to correct the inaccuracies on my credit report and hold Celtic Bank/Continental Finance and XXXX XXXX XXXX XXXX for their actions. I also request that my XXXX XXXX be corrected and any harm caused by these violations be addressed. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
01/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 95620
Web
On XX/XX/XXXX, I scheduled a payment of {$510.00} to Continental Finance ( aka XXXX ) in the app to pay the full balance of my credit card. When I went back into the app later that night, it showed no scheduled payment. I checked my email and showed no confirmation, so I assumed it had not been scheduled. At that time, I scheduled the same payment of {$510.00} in the app. This time, the app showed a scheduled payment and an email came through confirming the payment. On XX/XX/XXXX, my bank XXXX XXXX XXXX showed two charges for {$510.00} from Continental Finance. I immediately called and reached a lady named XXXX. She insisted she needed to have a conference call with my bank XXXX XXXX XXXX. I made that happen and she told me as soon as the both payments were finalized, they would send me the refund of {$510.00}. A week later, there had still not been any refund issued. I finally called again and spoke with another representative on XXXX who stated that she needed yet another conference call with my bank. I went through this process again. Afterward, the rep said that she was processing the refund. Finally, I received a refund on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Continental Finance indicating my payment had been returned. On XX/XX/XXXX, I opened my Continental Finance account app and found that I had a balance of {$570.00} and some change on my account. They had charged that payment again, but added late fees and interest. I called and spoke with a few reps who finally transferred me to a " supervisor '' in Collections. This individual XXXX XXXX XXXX stated that I needed to send a fax with a copy of my bank statement showing both charges had gone through ( after he falsely accused me of not having enough money in my bank to cover the payment ). I complied sending the fax via XXXX ( who sent me a confirmation sheet ). On Tuesday XXXX XX/XX/XXXX XXXX, I called Continental Finance and they indicated that the payment had indeed been reapplied and should reflect on my Continental Finance app / online on XX/XX/XXXX. This morning XXXX XX/XX/XXXX XXXX, I woke up and checked the Continental Finance app. The balance was now {$530.00} ( they had removed the {$35.00} late fee ). I called at XXXX XXXX. PST and the rep I spoke with said that the payment may show up in the app later in the day. I waited until XXXX XXXX PST and checked the app and the online interface again. Both still showed I held a {$530.00} balance. I called and the new rep indicated that she did not understand why payment had not yet been applied, but would get a supervisor. After talking with the supervisor, she came back and stated that both of my payments had been returned and this is why it was not reflecting. At this point, she turned me over to her supervisor, XXXX. XXXX indicated that there were no changes to my account and that to the best of her knowledge, they had not received a copy of the statement I faxed to XXXX on XX/XX/XXXX. I asked to speak to XXXX, to which she told me this was a non-customer relations department. I begged that she help me follow this from beginning to end by asking if she could take this and help me get it resolved. She said that is not the way they work. All I could do was wait to hear back from XXXX, but there was no way for me to contact them. Frustrated, I went ahead and asked for someone who COULD help me from start to finish. She told me she could request a manager return my call, but that is a 24 hour waiting process. I agreed to that and then went through and re-faxed ( to the same number ) the bank statement ( AGAIN ) and the copy of the first Fax Confirmation sheet. There has been no cooperation from them and I want this payment cleared. I am afraid that I am going to have to pay this {$510.00} again because of their error. My whole goal was to pay off my balance, but due to a technical problem on Continental Finance 's side ( confirmed by one of their employees ), I was double charged and am now being treated as delinquent. Thank you so much. XXXX XXXX
10/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33428
Web Servicemember
On or about XX/XX/XXXX, I purchased a XXXX XXXX XXXX from an individual on XXXX. I do XXXX XXXX XXXX events and needed to upgrade my existing helmet. I Contacted the individual XXXX XXXX XXXX and sent {$300.00} USD via XXXX using my credit card, to him which included shipped to the United States as the individual lived in XXXX. A few weeks later the helmet arrived. To my dismay The helmet was extremely small and would not even fit over my head. I reached out to Mr. XXXX and explained that he may have sent the childs size and not an adult. He stated that it was correct and the helmet should fit fine. I explained it did not He stated for an extra {$150.00} that he could make me another helmet and to send it back, of which I declined and stated I would just need to send the mask back and be refunded. I was blocked and lost all communication within the next few days on XXXX. I then reached out to XXXX to start a dispute. They informed me that I would need to send out the parcel at my cost and this was not refundable. Perplexed as to why I would need to absorb the cost I went to the post office after packing the helmet back up. The box was a XXXX XXXX Medium box. The post office quoted me a cost of almost {$80.00} to send this back. Not having nor wanting to absorb that much I asked to the most inexpensive way which was a ground freight service. {$26.00} and change No tracking, no insurance and was told it could take up to a month in some cases if not longer. Fine no problem. After a few days I reached out to XXXX to be informed that because I did not have a tracking number that they were closing the case and to reach out to my credit card company. I reached out to my Credit Card Company Continental Finance Corp, who holds my Surge Credit Card and filed a dispute. They immediately took the funds off. Fast Forward almost 3-4 months later and I see a charge from paypal on my statement for {$300.00}. They advised me the vendor has reapplied the {$300.00}. I asked what to do, and was advised to cancel the credit card and have a new one sent then they can readjust the card to another dispute. I reached out to XXXX and they did not show any reapplication of funds. I have a small credit line of {$800.00} and now am over the limit because of this transaction. I pulled my credit reports and it has been reporting to them monthly that I am over my limit and it hurting my credit score. I called Continential Finance and spoke with several reps and left even more messages for the rep handling my dispute with ZERO returned calls. Each time I spoke with a representative I explained my situation as stated above. I was told " we will look into it '' and nothing has changed. I escalated the issue to a department supervisor XXXX. After leaving several messages for her, I was finally called back on XX/XX/XXXX. I advised XXXX again of the above and stressed that this issue was impacting my credit and am in the process of attempting to purchase a home. I was told at that time she would look into it and contact me back within the next 24 hours. Here we are today XX/XX/XXXX and have left 2 additional messages since with no reply. My credit report pulled this morning still shows my credit card being over the limit. I am being penalized. I sent them photos of the helmet, my old one and the newly purchased to show the huge size difference, I also even included a picture of my XXXX year old son attempting to put the mask on and it wouldn't event come across the bridge of his nose. Now I am out the {$300.00} and have no item to show, my credit card company is not working to protect me, and an individual in XXXX has my money and the mask back. This is why I am filing the complaint. I would like resolution and my credit report attended to as this issue should have never been extended this far along. We are going on almost 7-8 months now. Thank you
02/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44313
Web
Celtic/Cont Account Number : XXXX This letter is to inform Celtic/Cont that their actions have violated 15 U.S.C. 1681, 15 U.S.C. 6801, and 15 U.S.C 6802. This has severely affected my ability to obtain credit and is affecting my ability to buy a home for my family. They have violated my rights by violating the FCRA laws. They have violated the 15usc 6802 which states the Creditor is required by law to provide 3 disclosures when extending credit which was never provided. 15 U.S.C.1682 ( B ) states : ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. There were no disclosures provided. They did not provide any disclosure notifying me that I have the option to OPT Out of having my information shared. They also violated 15usc 1681 ( a ) ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.-This information isn't accurate and needs to be removed from my report. They violated 15 USC 6801 states:15 U.S.C. 6801 establishes the policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customer information. It also prohibits obtaining customer information of a financial institution by false pretenses.-They did not protect my personal information by disclosing my information to the credit agencies. Also, The IRS defines a charge-off as gross or ordinary income. Income doesn't get reported on your consumer report so why is this charge-off being furnished as a debt and the IRS says it is income which makes this account inaccurate account and violates 15usc 1681 ( e ) ( b ) -which states Accuracy of the report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. And it also violates 15 USC 1681 ( s ) ( 2 ) which states : Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. This means this account needs to be deleted Immediately. I strongly demand Celtic/Cont to take immediate action to rectify these violations and ensure that they are compliant with all applicable laws and regulations in the future and delete this from my credit report Immediately.
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 79701
Web
This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached https : XXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
11/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20744
Web
On Wednesday, XX/XX/XXXX, I contacted the company ( XXXX XXXX XXXX ) to cancel work that I had already paid for and requested a refund. The owner told me it was bad timing as he has already purchased the materials. On Wednesday, XX/XX/XXXX I once again contact the owner of XXXX XXXX XXXX to get an update on the refund and was told that he would follow up on Sunday. On Saturday, XX/XX/XXXX I advised the owner that I this would be my final attempt to resolve the issue with him and insisted that he issue a refund and told him that I would have no other choice but to file a dispute with my credit card company. The owner attempted to get me to change my mind offering additional services at no cost. On Saturday, XX/XX/XXXX XXXX, I contacted my credit card company to initiate a dispute, it was outside of their business hours so I called back on Monday, XX/XX/XXXX @ XXXX. During that call I was told that someone would get back to me if they had any additional questions. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX from my credit card company informing me that a provisional credit would appear on my next statement and that the merchant has 45 days to respond accept or reject their action. I attempted to use my credit card on XX/XX/XXXX and it was declined. I then logged into my credit card account and noticed that my account had a negative balance so I called. The called revealed that the credit was taken off my account and that I needed to send in some information to assist with the dispute process. As requested I sent in the information and called back every few days for an update. I was never able to get a clear answer and was only told that the issue would be escalated. On Tuesday, XX/XX/XXXX, I received a call from XXXX XXXX who informed me that there was nothing that I could do at this point since the merchant states that he completed the work. I offered to prove that the work had not been done. It was a fence replacement and it's pretty easy to see that the fence has not been replaced. She informed me that MasterCard rules only allow 44 days to resolve a dispute and that they are just obligated to send out a letter. I asked her to provide me proof of the merchants claim. She sent an email with an attachment that I am unable to open. I then requested that she send the document in a different format which she then told me she would mail to me. I questioned what she said ( the dispute wasn't resolved in 44 days ), I asked her what's the appeal process and I asked for her where I could find MasterCard guidelines. XXXX responded stating that the merchant responded on XX/XX/2020 and they had 44 days to respond back from that date. Then she stated that the messages that I sent to her shows proof that the merchant had already purchased the materials. I've never provided proof that the materials were purchased prior to me cancelling because I wasn't provided proof. The merchant simply text me that it was bad timing, it was his first day back in the field and that he had already purchased the materials. There was never any proof ( receipt ) showing that the materials for MY HOME were purchased. I reminded XXXX that USPS was extremely delayed and that I had not received any correspondence from them. To date, I have not received any further communication or documentation from this company. I am looking to have the {$640.00} as well as all interest and over the limit fees credited back to my account. I contacted the company on the following dates : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX via email
04/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94806
Web
In XXXX of XXXX, I entered into an agreement, with Continental Finance, to obtain a XXXX Credit Card with a {$1000.00} line of credit. I very quickly began to have trouble with their website. I used my XXXX XXXX XXXX XXXX Account to make payments on my credit card balance. I provided my account information : Account number, routeing number and debit card number. There were three central problems with their website. 1. Scheduled payments disappear the day before they are suppose to be posted which cased me to make a double payment of {$330.00} in the first couple of months. This was a recurring issue. I had to arrange a three way call from my credit union, with representative present to resolve this initial issue. One of many. 2. Though there is a category for monthly statements on the web page, there is no information available in it. I called attention to this issue in phone conversation with credit card representative. She agreed to send me the previous four months statements in effort to resolve some of these issues. This was XX/XX/XXXX. That never happened. In XXXX of I lost my Credit Union debit card and got a new card. I didn't realize that it would impact my pending payment that month, but it did and they locked me out of my account for two weeks. No access. Very strange. Big red flag. With my other credit card accounts, like XXXX and XXXX XXXX, the account # and routing # is all that is necessary to withdraw funds. I've never made a late payment elsewhere. This seems to be a recurring problem with this company. All things considered this appears intentional, One of several obstacles to good business practices. In XXXX of XXXX, I had my Debit card stolen and was issued a different one. I had arranged two separate {$150.00} payments, for a total of {$300.00}. My balance at that time was {$640.00}. These payments would have brought my balance down to {$340.00}. Given my change of card # these payments were not posted. In each of these occasion there was sufficient funds available in my account. I, again, went down to resolve this issue. Another three way call, from the office of my Credit Union representative, with a snotty representative of Continental Finance/XXXX, who begrudgingly, identified himself as XXXX. XXXX, told me, the activity I was engaged in, regarding my account, appeared to him to be " Fraudulent ''. A remarkable offensive statement. This took place on XX/XX/XXXX. 3 days before my next payment was due. I was informed by XXXX. I would remain locked out of my account until and unless I made full payment of {$640.00}. I told him that would not be possible.I never again had access to my account nor information that would have assisted in the resolution of this matter. Again, very intentional, all this while adding charges to my account. Then on XX/XX/XXXX, I received a normal paper statement ( enclosed ) that now stated my current balance at {$730.00}, with a minimum payment of {$35.00} due by XX/XX/XXXX. On XX/XX/XXXX I had a cashiers check for {$250.00} drafted at XXXX XXXX XXXX XXXX and sent it to the ascribed address Priority mail U.S. Postal Service on XX/XX/XXXX. I repeated this process again on XX/XX/XXXX ( {$250.00} ). On XX/XX/XXXX, I sent, what should have been the final balance ( {$230.00} ) in the same manor. Each of these checks were cashed within days of receipt, by Continental Finance Co., LLC. I have never received any confirmation of this fact or any other form of correspondence from this company since the issuance of Credit Card Statement dated XX/XX/XXXX. All pertinent documents are included in this correspondence.
03/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78213
Web
Received a copy of my newest XXXX Credit Report for XX/XX/2020 and remain completely dumbfounded that the report continues to show hard inquiries from companies I do not know and have never authorized a hard inquiry from these companies. I have sent written notice to the companies and XXXX several times regarding this issue. These hard inquiries do not appear on any other of my credit reports as they have been found to be unauthorized and by FCRA statutes were properly removed. Futhermore, the explanation provided to me by XXXX does not follow the FCRA guidelines in providing any evidence whatsoever from the companies. I continue to receive the same reasoning over and over again, that after a review of my dispute they determined that ... '' The data furnisher had previously previously verified the report information and a seperate communication was sent to me listing the items and providing the data furnisher 's contact information '', this is 100 % inaccurate as I have not been provided any verification or contact information from XXXX or any of the companies disputed. Even the government i.e. consumer finance.gov does not have the contact information from several of the companies and/or the companies statements that " they are not the correct company to contact '' is absurd, since the information is IN MY CREDIT REPORT! Futhermore, the XXXX response states that they will re-investigate if I PROVIDE additional documents. Again, this a complete absurdity since these are hard inquiries and the only documentation is on my XXXX CREDIT REPORT. How can I provide documents on something that I have no knowledge of. This has gone on long enough, the unauthorized information has caused severe damage to my credit scores and XXXX appears to be the only company unwilling to follow the federal law and remove the inquiries. My case is this : 1. I have disputed these unauthorized inquiries for over 30 days. 2. I have written statements to the companies as well as XXXX to remove the information 3. I have filed complaints with the government consumer finance department. 4. The other 2 major credit agencies, XXXX, XXXX and no issues with the inquiries being removed. 5. The statements from the companies that either " they are not the company to contact '' are again ridiculous considering the information is directly on the reports. The companies " follow-up '' explanation that " they are still working on it '' which is a standard response and only allows the company to further damage my credit by extending the deadline to provide proper verification '' as well as completely invalidates the original statement that " they are on the company to contact. '' How is this not an admission by omission thus cause for immediate removal. How many different excuses are companies allowed before legal action is taken! It is time for our government to contact these con-artist and file fraud charges as well as XXXX. I re-iterate, these unauthorized, invalid inquiries have caused severe damage to my credit standing, have been cited as reasons for denial of credit, they do not appear on any other credit reports. As someone who has done everything correctly as stated in the FTC guidelines and the FCRA, I am insisting that these unauthorized, fraudulent information be immediately removed and written statement from XXXX that they have been removed permanently. I have done my part, now it's time for the government, XXXX and the fraudulent companies involved to do they're part and the right thing is to permanently remove the fraudulently obtained information.
04/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46229
Web
I am a XXXX XXXX who with a XXXX XXXX level security clearance that is being reviewed as a normal condition of the clearance. On XX/XX/XXXX, the investigator completing my background investigation advised me of a debt listed on my credit report as, XXXX Con/Finance XX/XX/XXXX {$230.00}, with a high amount of $ 900+. This debt is a XXXX Master Card ( or Visa-not sure ) from Continental Finance. He gave me the account # XXXX. According to my records, this original debt was sold to XXXX XXXX, PA in XXXX XXXX, NC, for a XXXX Master Card Continental Finance. I can not find their original letter to me. However, I made monthly payments of {$120.00} from XX/XX/XXXX until XX/XX/XXXX, from my payroll as a Discretionary Allotment. I add this up to 11 payments x {$120.00} = {$1300.00}, and I provided my assigned investigator the attachment from USDAs Employee Personal Page website which show the start and stop of my Discretionary Allotments. I marked XXXX XXXX XXXX. I first called XXXX, on XX/XX/XXXX at ph # XXXX, and again today, and advised them I think there is a discrepancy reported on a credit report and she advised me, they sold this account to a company called XXXX XXXX ph # XXXX. In the call today to XXXX, I was advised they sold the debt on XX/XX/XXXX {$750.00}, and they closed and charged off this account on XX/XX/XXXX. I have never been contacted by this company, and have never heard of them. But, I called XXXX XXXX ( ph # XXXX ) and got a voice message asking me to leave my full name, my account #, and my social security number. I did NOT leave my personal information on the voice mail, because I paid XXXX XXXX. I called XXXX XXXX, XXXX XXXX, North Carolina office, ph # XXXX and spoke to someone named XXXX. I told him about the debt. my debt showing on a credit report, and my 11 payments equaling {$1300.00}, mailed to his location for a XXXX MC debt they were collecting. He said he would have one of the attorneys call me back. I received a call back that afternoon from Attorney XXXX XXXX. He said he was sorry, and that they now are handling immigration cases only. He apologized I am having this problem. He said I could come in to his office. I told him I live in Indiana. He said he was sorry again, and that he could not help since I live in another state. He said I needed to seek legal assistance from an attorney where I live. This is unacceptable. I am paying other debt with a credit counseling agency so I called my representative at XXXX ( the Credit Counselor ) and asked for her input. She reminded me we are using XXXX credit report where this item is not showing outstanding. But she agreed that attorneys response to be unacceptable. She recommended I file a complaint with the Consumer Financial Protection Bureau, and with my states Attorney General. She also recommended I request documentation from the USDA and have them send me confirmation of the 11 payments. I will follow her suggestions and for now I have not made any additional payments to this debt. I am not sure how this effects my security clearance but I do not feel like I should make any further payment to this debt, as I have done my due diligence to address my debt. I also believe I overpaid it because I stopped the Discretionary allotment payments well after the debt was satisfied because I realized it was satisfied a couple months after the @ {$900.00} amount was satisfied ( XX/XX/XXXX ). Please assist me with this problem using any authority your agency has to help me address this debt. Thank you.
02/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • TX
  • 75062
Web Servicemember
XX/XX/XXXX, I received a marketing email from a company related to my XXXX Credit Card. It says that it is issued by Celtic Bank, but also says that the email is for the XXXX Mastercard Credit Card and for complete details, to go to Continental Finance website. They also sometimes issue the cards. The offer says to double your credit limit with XXXX. Up to {$1000.00} credit limit doubles up to {$2000.00}. The details say to simply make at least your first 6 required monthly minimum payments on time and your initial credit limit up to {$1000.00} doubles up to {$2000.00}. I logged into my app portal for the card, and realized that I was on month 7. So I called the customer service line. After relaying to them about the email and that I qualify ( which I also have opted in to receive emails of offers I QUALIFY for ), they assured me that I qualify but that I needed to call in to opt in to this. and that they were processing it. I kept monitoring my account to watch for the increase. XX/XX/XXXX, I receive the same email again. I call in to the customer service because my card hasn't been increased. This time the customer service person says that this offer is for a new card and doesn't apply to mine. I told him what the customer service people said a month prior. I also explained to him how this seems very rude and inappropriate to send to someone if they do not qualify for it. I asked if there was a supervisor that I could speak with, and he said that he would place me on hold to get one. He said it could be a 5-10 minute wait. I said that was fine. He returned after some time, and said that it was now a 20-30 minute wait. As I was waiting, it just made me angry. It seemed like they were just going to make me wait until I hung up, gave up, or like I remembered from XXXX, the phone disconnected and I had to call in again only to be told that I had already had the request processed in the prior call. So, I returned to my computer to do some research. I went to the website and learned that they have slightly different variations of the card agreements. ( 8 ) Eight different versions. I tried to locate the one that was in effect at the time I opened my card. I read through it and I had a much greater credit limit and it was not secured, and that didn't fit the agreement I was reading. I found a place on their website, where you enter the last 4 of your card, and the last 4 of social, and zip and it gives you the agreement that applies to your card. I read that. The date at the bottom is from XX/XX/XXXX. Even though my account was opened XX/XX/XXXX. I compared this agreement to the one on their website dated the same date. and they are both different. I am attaching : 1. the agreement that is supposedly mine for my card dated XX/XX/XXXX 2. the other agreement dated XX/XX/XXXX 3.another agreement dated XX/XX/XXXX, which seems to have been the latest in effect at the time I opened my card, but doesn't seem to apply to my card as it was unsecured. 3. The email offer sent to me. Can you please help me get this straight with them? They opened my account. I have paid it in extremely good standing, paying it off each month, and they sent me this offer. And then won't honor it, and give me the run around. I should qualify for this offer and should have received it. I should currently have a {$2000.00} limit. But knowing them, they will probably retaliate for me coming to CFPB to report them.
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90049
Web
Dear Ma/Sir, I am writing to report two instances of fraudulent activities on my Verve credit card, Continental Finance account , which have caused significant financial distress. I first discovered these unauthorized transactions on XX/XX/. Despite reporting the fraud immediately and seeking assistance from their customer service team, I have not seen a resolution to these issues, and the situation has escalated further. The fraudulent activities on my Verve credit card account can be summarized as follows : Unauthorized Purchases : On XX/XX/, I noticed a series of unauthorized purchases made on my Verve credit card, totaling {$2700.00}. These purchases were not made by me and were clearly the result of fraudulent activities from the same places and often times exact amount to the penny. I promptly contacted their customer service team to report the issue and requested that my card be closed to prevent further unauthorized transactions. Fraudulent Check Deposits : On the same day, XX/XX/, I also discovered that fraudulent checks amounting to {$1500.00} were deposited into my credit card account. These checks were clearly fraudulent and should have been detected and blocked by their security systems. I immediately reported this issue as well, along with the unauthorized purchases, and requested that these funds be removed from my account. I was assured by their representatives that my credit card would be closed, the stolen funds would be refunded, and the fraudulent deposits would be removed from my account. However, the actions promised were not carried out as expected, and the situation has worsened. To my dismay, I just discovered that an additional fraudulent check cleared in my account on XX/XX/, for {$500.00}, bringing the total of fraudulent deposits to {$2000.00}. This indicates a significant lapse in the security of my account, and it is deeply concerning that unauthorized access continues to occur. In addition to the ongoing financial losses, I have experienced great frustration when attempting to communicate with their customer service department. Phone calls often go unanswered, and when I do get through, I am frequently passed around to different representatives. They have no email or way to write to them. Despite reporting these issues two weeks ago, I have not received any information regarding the status of my report, why my credit card remains active to the fraudsters, or why I have not been refunded. I would like to request the following actions to be taken promptly : 1 ) Close my Verve credit card account immediately to prevent any further unauthorized transactions. 2 ) Refund the total amount of unauthorized purchases, which amounts to {$2700.00}. Remove all fraudulent deposits from my credit card account, which currently stands at {$2000.00}. 3 ) Improve the security measures in place to prevent any future unauthorized activities on my account, and others from this company. 4 ) Provide clear and consistent communication regarding the status of my report and the resolution process. 5 ) I expect that these issues are addressed promptly, and the necessary actions are taken to rectify the situation. 6 ) Get compensated for the significant financial distress this has caused me Your swift attention to this matter is of the utmost importance as I suspect several others are affected by this company. Sincerely,
07/05/2016 Yes
  • Credit card
  • Late fee
  • IN
  • 46226
Web
Dear Sir : My Credit Card company ( Continental Finance Company, " XXXX '' ) imposed a late fee on XXXX XXXX, 2016 of {$35.00}, which I dispute. The reason I am disputing this late charge is that the Credit Card company failed to properly process on on-line payment of {$510.00} from my bank account, and thereafter failed to notify me of any such payment problem until after the late charge was imposed. This payment was made through the Credit Card company 's on-line payment system on XXXX XXXX, and I received an e-mail verification confirming the payment. This payment should have brought the credit card balance to {$0.00}. On XXXX XXXX, 2016 ( 26 days later ) I attempted to use the card, unsuccessfully. When I called the Credit Card company to investigate, I learned that the Credit Card company reversed the on-line payment as a " returned check '' on XXXX XXXX. However, in contacting my Bank ( XXXX XXXX ), they were unable to locate any " returned check '' or declined payment transaction out of this account, and at all times I had more than ample funds to cover the {$510.00} payment. I then contacted the Credit Card company further on XXXX XXXX, 2016 and spent perhaps 90 minutes on the phone on this matter. First, I once again furnished my bank account information and they immediately processed a payment for {$510.00}, so that there would be no outstanding payment issue. Second, I requested that the {$35.00} late fee be reversed, in view of the evidence that I in fact had made a payment to them on XXXX XXXX. The Credit Card company has refused to reverse this charge, which I am now disputing. I then asked for evidence of the " returned check '' event on XXXX XXXX so that I could ascertain what the problem was. The Credit Card company refused to provide this information, " for security purposes. '' The conversations on XXXX XXXX were with " XXXX '' ( a customer service agent, who was polite and pleasant ) and with XXXX XXXX ( a supervisor, who was somewhat more difficult -- derisive and belittling ). On XXXX XXXX, 2016 I followed up again with the Credit Card company, this time speaking with a supervisor by the name of XXXX XXXX. XXXX XXXX similarly refused to reverse the late charge, making the statement that it " had to have been my fault '' that the payment was not processed correctly, but similarly refused to provide any evidence of the XXXX XXXX " returned check '' transaction on which they are basing the late charge. Somewhat bizarrely, XXXX XXXX then stated that because this was on on-line payment through their website " we have nothing to do with that. '' When I inquired how I could have corrected this payment issue, XXXX XXXX did state that a Notice that my account had been " revoked '' was sent to me on XXXX XXXX, although no such Notice was ever received and XXXX XXXX similarly declined to furnish a copy of that Notice as well. From my perspective, a payment of {$510.00} was properly made through the Credit Card company 's on line system, and verification of the payment was received. The Credit Card company now states that the payment from my bank was somehow declined on XXXX XXXX, but refused to provide any evidence of that. No notice was ever received of any payment problem, until I learned on my own of an issue on XXXX XXXX. The late charge was imposed on XXXX XXXX. I thank you in advance for your assistance.
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30228
Web
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : CONTINENTIAL FINANCE/CELT REF : Soft Inquiry Reported without verbal or written consent to a third-party organization. Credit Reported Address : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX DE XXXX Subject : Adverse Action Notice - Request for Remedy Under ECOA, FCRA, and Social Security Act I am writing to address the recent unauthorized inquiry on my credit report, as indicated in the adverse action notice dated XX/XX/23 ( inquiry date ). I am deeply concerned about potential violations of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and the unauthorized use of my Social Security information, which may implicate provisions of the Social Security Act. Under the XXXX, discrimination in credit decisions based on certain factors is strictly prohibited. Furthermore, in accordance with 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined not more than {$5000.00} or imprisoned not more than one year or both. CONTINENTIAL FINANCE/CELT willfully and knowingly processed a credit inquiry on my credit profile without my direct written or verbal consent. I did not personally apply for credit with this company, nor do I have a current or past business relationship with them or their subsidiaries. The Credit Reporting Agency that reflected these inquires were XXXX I am particularly concerned about potential unauthorized credit pulls and false or misleading advertisements, which may implicate the Social Security Act. If my Social Security information was used without my permission or if false advertising practices were involved, I want to bring to your attention that this could be in violation of the Social Security Act. Considering the gravity of these potential violations, I am seeking a thorough investigation into the circumstances surrounding the unauthorized use of my Social Security information. If evidence of discrimination, unauthorized credit pulls, or false advertising is found, I expect appropriate action to be taken to rectify the situation and uphold fair lending practices. Please provide me with the necessary information to initiate this process and keep me informed of the steps taken to address my concerns. You may reach me the contact information provided to discuss this matter further. Violations-Obtaining my credit without my verbal or written consent. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application. Resulted in a soft inquiry on my credit report ) I XXXX XXXX am seeking remedy for {$1000.00} for this violation. Violation-Solicitation to a 3rd party organization ( XXXX ) without verbal or written consent is prohibited regarding ANY aspect of a credit transaction. I XXXX XXXX am seeking remedy for {$1000.00} for this violation. Violation-Credit Inquiry reflected on my credit report as evidence of securities being received to CONTINENTIAL FINANCE/CELT on my behalf. I would like ALL inquires to be REMOVED from ALL credit reporting agencies listed with CFPB to be notified to remove and restore positivity to my credit profile. I XXXX XXXX and seeking remedy {$1000.00} for this violation. Sincerely, XXXX XXXX
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • GA
  • 30577
Web Older American
I have XXXX and have been in the hospital I had missed a payment and my finances are struggling. So I did not slip further into delinquency I was advised to enroll in the re-age program. I did this in XXXX. The offshore ( XXXX XXXX? ) agent advised that it would stop my account from being further delinquent and all I had to do was make reduced payments of {$35.00} over a three month period. XXXX, XXXX, XXXX. I was told that it would stop any further delinquency if I made the {$35.00} dollars payments as agreed and once completed my credit would be updated to reflect paid as agreed and all the late fees that I had incurred up to the entering into the re-age program would be refunded. Since then I was just notified by my credit monitoring that my account was reported as further delinquent. Despite making the agreed payment early XXXX reported further delinquent and charged another late fee. Despite being in a hardship program and making the agreed payment early ( I have now made all three re-age payments as of today XXXX ) my credit was reported as further late 90 days ... .an another XXXX late fee. Once I recived the staement today reflecting that I called and reached another offshore agent in the XXXX she said she was a supervisor " XXXX '' agent id XXXX at approx XXXX EST. She was very rude. She informed that although I was in a reduced payment re-age plan that I would still be reported late and incur late fees. I said that made absolutely no sense. I stated I had not been told that and I would not have agreed to a program that further damaged my credit and continued to charge late fees! What would be the point of a reduced payment plan if they continue to charge late fees and ruin your credit. This is very misleading. It is completely different to what the agent told me that enrolled me in the plan. I was very clear about not wanting my credit to be further damaged. He assured me this plan would reflect immediately and once the plan had completed my account would update to show current for past late and I would not go further delinquent from the point of enrollment. this appears to be a scam. they lower your payment but still charge a late fee and still reflect increasingly late delinquency. The agent XXXX said that I would have had to make the full three reduced payments at once {$110.00} to avoid being reported as late and a late fee?? I asked to be transferred to a Manager. I was on hold for a long time and was then dumped to another agent. just a standard agent " nolie cuerdo '' id XXXX that was at XXXX EST. The agents in the XXXX just transfer from one to the other. This is misleading how can this be legal. they are taking advantage and not doing what they clearly stated. i clearly made the agreed reduced payment plan amount and they still reported me as late and charged a fee even though I was paying what was agreed and I paid early. I am still on hold with offshore representatives now it has been 1 hour 32 minutes. the CFPB needs to address this issue. This has now resulted in a 90 day late when I would have made alternate arrangements if I had not been misled. I have an audio copy of my calls. I finally spoke to XXXX said he was a super id number XXXX he said no manager available. only managers work in the morning! After 1 hour 40 minuted it was a cold call he had no idea why I was calling.He was no help.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 439XX
Web
On XX/XX/XXXX, complaint Id # XXXX, received information from Continental Financial , stating they submitted an update to the credit reporting agencies to remove the tradeline from my credit report, taking 30 to forty-five days. But my credit bureau reports are still reporting Celtic Bank/Continental Finance acct XXXX XXXX as a negative. The online application for a XXXX XXXX was on XX/XX/XXXX. XXXX XXXX is issued by Celtic Bank. The account was activated on XX/XX/XXXX is written off as a bad debt. And Continental Finance stated they have not once received any record of communication prior to my reporting this to CFPB. I have made continuous phone calls since XXXX and keep getting the run around and Continental Finance giving me the phone number to XXXX. I mailed out XXXX certified letters with all proper documents proving fraud and identity theft, and as of tomorrow I am sending out another certified letter with all information proving fraud/identity theft with police reports, prosecuting district attorneys paperwork for charges, text messages between myself and XXXX XXXX XXXX letters to the credit bureaus, address verification and i am sure that with the information Continental Finance sent with the reference # XXXX which was the processing information sheet for the application to the credit card that was issued fraudulently, they can check my IP address which is not the same as the one on that sheet. And I have no association with XXXX XXXX due to him and XXXX XXXX are the two people who have fraudulently used my personal information. And until I filed this report with you on XX/XX/XXXX is the first response that I have received from Continental Finance. I have also contacted Celtic Bank/Continental Finance and was told on XX/XX/XXXX they could not help that I had to contact Continental Fraud and the line stays busy, you can not get through. i just find it hard to understand that if I report fraud to one Continental Finance shouldn't it go thru their system to where it doesn't matter what location you contact by mail or phone it is put in their system? This stuff is hard enough to deal with but to constantly having to call and continually mail the same information out is unreal. So i do not know how Celtic Bank/ Continental Finance and Continental Finance is related but obviously it is, and you know its one think to be a company and investigate thats great but when I have to constantly have to repeatedly send the same information to dispute something on my credit report and 2 out of 3 credit bureaus have 2 different addresses, and you send all this information verifying who you are and you were never at the address that the identity theft and fraud occurred. It's ridiculous that its so easy for someone to steal your identity and create all these bills and debts but it is so difficult for a person to prove who they are. Seems a little backwards to me. I called Continental Finance XX/XX/XXXX spoke to an XXXX, for an update @ XXXX he told me to call XXXX they stated they couldn't tell us anything and that I should contact XXXX. Called XXXX XX/XX/XXXX spoke to a XXXX, she stated that it takes about 24 hours for all documents to upload and up to one week for them to investigate. Says if information doesn't change in a week to call or put in another dispute on the information that I'm disputing.
05/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11367
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CONTINENTAL FIN CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
08/08/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IN
  • 46038
Web
On XXXX XXXX, XXXX I recieved a voicemail at XXXX from a woman at document services regarding unsealed documents that had been marked as undeliverable and that I should contact XXXX XXXX XXXX immediately and give the case number of XXXX. Curious, I had called and I was in a conversation with a XXXX XXXX representing XXXX XXXX XXXX regarding an unpaid debt of over {$2800.00} on a Matrix Mastercard issued in XXXX. He said that I had not paid on this card and litigation was going to be pursued if I did not either pay over {$700.00} to " settle '' or appear in court to defend myself and risk paying this balance. He was extremely convincing, having my correct name, almost correct address, and the last XXXX digits of my SSN. He had said that the debt was determined to be mine via their fraud investigation. Frightened, I was briefly convinced this was true, and I was told that I could settle if I paid the settlement amount within three hours. I would be sent documents that would assist in setting up the payment. When the conversation ended, I responded to a voicemail my mother left saying that she recieved calls asking for me. I would find out that my father had also recieved a call. Later that evening I sent an email to my boss at work appraising him of the situation in case my workplace had been contacted. I had gone to the bank while talking with my mother to obtain a cash advance in the amount of {$800.00} to cover the settlement amount, NO payment has been arranged and as of this writing the money remains in my checking account. I had spent the better part of an hour consulting with my mother, my aunt, and the staff at my bank regarding this matter, and we all came to the conclusion that NO action should be taken until I have consulted with an attorney. I went home and pulled my credit report from all XXXX agencies via XXXX, and found : NO evidence for a " Matrix Mastercard '' issued in my name from " Continental finance company '' in XXXX NO evidence of any debt in the amounts mentioned NOTHING appearing in collection on my credit report NO negative activity that could adversely affect my credit history or score My credit score remains at XXXX with NO evidence of anything that can bring it down If by some chance this debt was legitimate, then I must ask : Why do I see no evidence of such a debt in my credit history? If this debt had gone into collection, I would have been hounded by the creditor via physical mail and phone calls, I have recieved nothing. If the debit had gone into collection, it would appear on my credit report and my score would be impacted, I have seen nothing when I pulled the report. In addition, on XXXX XXXX, XXXX at XXXX I was contacted by someone claiming to be a process server giving me a courtesy call asking when would be a good time to show up and serve me papers to appear in court. Having done my research, I know that process servers do not do this, they just show up and serve you. After a brief argument, I hung up and blocked the number, other numbers associated with this incident have also since been blocked and I can provide them upon request. Since a case needed to be filed in order to get papers to serve, I had called the XXXX County Clerk 's Office to see if such a case existed, none were found.
06/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 95337
Web Servicemember
For two months in a row Continental Finance, XXXX XXXX , has charged me a late fee. In both XXXX and XXXX I attempted to make a payment online using their website and both times the site would not accept my login information and locked out my account. In both cases I was using the same ... ID/Password that had previously been setup and used successfully. I attempted to call the number on the back of the card but their hours are EST and I live in PST so they are typically closed when I try to call to make a phone payment. Each time I have talked with a customer support rep, on both XX/XX/XXXX /16 @ XXXX PST and XX/XX/XXXX /16 @ XXXX PST, and both times I was told by two separate people that they were having issues with their website due to an update and others were reporting the same issue. In the case of the XXXX late fee, I was told because I did n't call before they closed on my due date that they were unable to refund my late fee. In XXXX I did n't call because I was waiting for the website to unlock my account and let me back in to pay my bill. In XXXX I was forced to reset my password and when I attempted to use the password I had been trying unsuccessfully, the website said the password was already used. This proved the website was not working properly and was n't accepting my credentials. Once again, on XX/XX/XXXX , 2016, I went online attempting to make my payment that was due that day. Once again the website would n't allow me in using the password I was forced to set back on XX/XX/XXXX . This was at XXXX PST. The website said my account was locked for two hours. I went back on at XXXX , four hours later, and was told the account was still locked out. I called the number on the back of my card, as instructed in XXXX , and they were closed. When calling on the XX/XX/XXXX they once again refused to refund the late fee while acknowledging their website was to blame.

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 XXXX and XXXX late fees. My internet history shows positive proof that I attempted to login to my account and make payment but the website rejected my. My 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 well. I '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 12 months. This excuse is immaterial to this issue. That 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 waiver. These two latest fees have nothing to do with that situation. Since 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 me. I 'm a very honest person and would have no issue accepting these fees had I been at fault. I 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.

12/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27265
Web
I am filing a formal complaint against Continental Finance Company/Celtic Bank for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. Continental Finance Company/Celtic Bank 's disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** Continental Finance Company/Celtic Bank without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX, XXXX and XXXX XXXX This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by Continental Finance Company/Celtic Banks actions . 4. **Exclusion of Transaction and Experience Information : ** Continental Finance Company/Celtic Bank included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by Continental Finance Company/Celtic Bank has caused significant financial and emotional distress, disrupting my life. Remedial Actions Demanded : 1. **Immediate Deletion of Reports : ** I demand the immediate deletion of any reports or disclosures made by Continental Finance Company/Celtic Bank that contain my personal information, specifically transaction history. 2. **Compensation for Damages : ** Pursuant to 15 U.S. Code 1681n, I demand compensation of {$1000.00} per violation for the damages incurred due to Continental Finance Company/Celtic Bank 's willful noncompliance. I request the Consumer Financial Protection Bureau to take swift action against Continental Finance Company/Celtic Bank to ensure compliance with the laws and regulations outlined above. Your intervention is crucial to rectify this situation promptly and hold the institution accountable for their unlawful actions. Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
08/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44107
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, Unit # 2 Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
03/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68506
Web
In XXXX, an account was opened with CONTFIN and it was closed in XXXX. On XX/XX/XXXX, I contacted the debt holder to determine what the status of the balance was with their company after being notified that it was listed as a write-off on my credit report. CONTFIN directed me to XXXX - XXXX XXXX XXXX and told me to call ( XXXX ) XXXX to resolve the debt, and they would send a release notification to CONTFIN to update the credit report. As well, when asked, they were specific that they could not take any money from me, or offer me a solution for resolving the debt unless it came from the UDH because there was no longer an account associated with my name in their system. Upon contacting XXXX, I was notified that the business had closed on XX/XX/XXXX and advised to leave a message on a voice mail. As of XX/XX/XXXX, I have not been contacted by any individual or business associated with XXXX or in context of the message that I left, per the instruction of CONTFIN. To better understand and attempt to resolve the issues, I searched the XXXX XXXX XXXX and found additional complaints and issues associated with XXXX. I filed a complaint with the XXXX and they were unable to contact XXXX because of closure and that there was not resolution offered. A screen shot of their response has been included here. To this point, there was no other avenue for me to pursue resolution. On XX/XX/XXXX my bank advised that I contact CFPB to support my efforts in resolving this discrepancy on my credit report. The response provided to CFPB is confusing and doesn't provide any additional assistance in supporting the resolution of this issue. The dates that the company provided were dates I provided in my initial complaint to CFPB. They stated that I disputed the debt in XX/XX/XXXX, however, they did not report that to any of the credit bureaus because it is not reflecting as disputed on any of the three credit bureaus. To further complicate any reasonable attempt to resolve this, the debt has been sold 4 times, and communication was initiated once in XXXX. This is 4 years after the original debt, and that contact is now 2 years in the past. Even though the company responded with a phone number and a company name, this is the 4th company that the DISPUTED debt has been sold to and not cleared from my report. According to the Nebraska statute of limitations, there is a 5 year limit for credit card collection from the date of the last payment. According to my credit reports, the last payment was made in XX/XX/XXXX, which is more than 5 years ago. I do not believe that it is my responsibility to clear this off of my credit report as of this time because their ability to sue me has expired, and it is against the law for them to coerce me into payment of this debt. By contacting XXXX XXXX, I would be putting myself at unnecessary risk of re-opening the time limits and that is unreasonable given a ) the amount of time that has lapsed and b ) the fact that the debt has changed hands repeatedly. My expectation is that XXXX XXXX XXXX provides confirmation that a release letter will be sent to CONTFIN for this debt and that it be removed from all three credit bureaus.
11/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TN
  • 37363
Web
I have a XXXX XXXX managed by Continental Finance Company through the XXXX XXXX XXXX that I applied for through XXXX XXXX. I applied and was approved for a credit line of {$750.00}. When I first applied for the account I was told that if my account remained in good standing for a period of 6 months that I would be eligible for a double credit line increase, when my 6 months occurred and I applied for the increase my increase was declined and I was told that I could reapply every 30 days which was wrong. So every month I applied and was continually declined. After almost a year time frame I inquired as to why, and it was later discovered that because of fraud on the account and declined transaction that occurred during fraud periods my request was being denied. This was not my fault and due to no fault of my own and I had kept the account in good standing and made payments on time and kept my end of the agreement. The bank has not, I spoke to a supervisor and she confirmed information was true and they overrode the denial and gave me a credit limit increase of XXXX not double like the initial offer I was told or shown online. When I complain I was given the brush off and nothing ever was done about that. I am almost 18 months into having this credit card and the terms says if you keep account in good standing every 6 months there is an increase because the card is for building credit. I am due for my 3rd increase as almost have the account 18 months and I have not even received two increases and never been late on payments and kept account in good standing other than fraud on my account. I was due again for the second increase on XX/XX/XXXX because last increase was XX/XX/XXXX and it had been 6 months. Again!!! I was denied because of a declined transaction when fraudulent activity occurred this is not fault of mine, my account has remained current and paid on time and I have held up my terms, but the bank has not. I called in and spoke to a supervisor and she advised she would send for manual review like before and would follow up in 72 hours, and of course no follow up call. I call and speak with another supervisor who advises that yes they confirmed limit increase was denied because of declined transaction during period of fraudulent activity and was due to a charge being declined at XXXX when fraud was occurring, again not my fault!! She states that the manager I spoke with would be confirming and following up at beginning of week, again no follow up. I calll again XXXX and speak with someone and they say same thing and someone would follow up. I call again and am told the request was declined again and decision was made on XX/XX/XXXX, why? It is not my fault fraud occurred and Im upholding my end of the terms of the card but the bank is not! You keep denying credit line increases because of things not within my control. I should have 3 credit limit increases by now according to your terms of the card and I have received one and it wasnt even double like I was told when I applied for the card! This is unfair and they are not upholding the terms and conditions of their own card
06/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30071
Web
1 ] I got 2 credit cards from XXXX XXXX in XXXX. XXXX [ XXXX ] in XX/XX/XXXX and XXXX [ XXXX XXXX ] in XX/XX/XXXX. They both had {$500.00} credit limits minus the subscription deposit fees required for each card. 2 ] In XXXX of XXXX both cards were fraudulently charged, XXXX over {$600.00}, XXXX over {$700.00}, even though they had less than {$300.00} of available credit. 3 ] I called and told Continental Finance that both cards had unauthorized charges. Each time I would call and speak with a rep, they would say something different. One rep would say they would remove it, but then a different rep would say they couldnt do anything. 4 ] XXXX XXXX sent various letters for both the XXXX and the XXXX cards, going back and forth. One letter said they would credit {$500.00} on the XXXX account, another letter said they hadnt heard from me, one letter said that they were closing the claim, one letter claimed they did not know about the problem and that it was too late to fix it. One letter said that there was a fraudulent charge amount of {$610.00} in dispute on XXXX but that they couldnt fix it. [ XXXX XXXX XXXX letters ] 5 ] They continued to charge interest and other fees on these fraud charges and reported it to credit bureaus. 6 ] I tried numerous times to report this to XXXX with no luck. 7 ] By spring of XXXX, when I tried to log in to XXXX and XXXX and see my accounts, Continental Finance had made both accounts inaccessible online, so I couldnt see what they were doing to the accounts, other than what they reported to credit bureaus. Even after theyd made the accounts inaccessible online, I tried to send a few payments to get them to stop the negative reporting. 8 ] Continental Finance closed the XXXX account and reported on credit as a charge off of {$1100.00}. They reported the account as {$0.00} balance. Then reported it as a charge off for 7 more months. [ XXXX XXXX XXXX Bank XX/XX/XXXX page 1-3 ] 9 ] For the XXXX account, Continental Finance, closed the account and reported it as a charge-off, written off {$1500.00}, but turned around and kept it as though theres a balance of {$1500.00} owed. They continued to report it as a charge off every month from XX/XX/XXXX through XX/XX/XXXX totaling 30 months of charge-offs that apparently arent charge-off because they are still maintaining there is a balance. [ XXXX XXXX XXXX XX/XX/XXXX pg 1-3 ] 10 ] Then they proceeded to continue to report the XXXX account as a charge-off every month for numerous years, sometimes also reporting the account as no payment, totaling over months of charge-offs 11 ] I would try to get XXXX to look at what Continental Finance was doing, but since I had tried in the past, they wouldnt accept any new dispute. 12 ] Then in XXXX of XXXX, out the blue, Continental Finance started calling me, harassing me about the XXXX account. 13 ] I tried again to file a dispute to XXXX, but since I had tried to report discrepancies in these cards before, which Continental Finance had responded to and debunked, XXXX wouldnt allow me to appeal any of the false information they reported.
11/23/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • MI
  • 48038
Web
On Friday, XXXX XXXX, XXXX, I received a call from XXXX XXXX XXXX a representative from a collection agency named XXXX. XXXX XXXX advised me this was a debt collector and his intent was to collect a debt that had been sold several times from the originator " Continental Financial, Matrix Credit Card. '' He stated I owed upwards of {$700.00} and he planned to seek legal charges ultimately resulting in me paying close to {$3000.00} in legal and penalty fees if I did not pay the {$700.00}. In the beginning, I informed him the debt was paid for less than what was owed ; until I went home and checked my records and discovered that I received a letter from Continental Finance ( CFC ) stating I was due a refund or at least since my account was a " charge off '' left me to believe I was no longer responsible for the debt, because the letter from Continental Finance clearly states " Charged-off '' accounts are accounts CFC determined are not likely to be collected and are closed to future charges. Since then, this account has been removed from my credit report as I assumed this was finally settled. Initially, I was in contact with several representatives from CFC such as collection manager " XXXX '' XXXX XXXX ) and CFC representative XXXX XXXX XXXX XXXX ; FAX : XXXX ) advised him I was in possession of the letter from CFC dated XXXX XXXX, XXXX that originally explained the consent order and how the " Charged-off '' account worked as described in the letter from CFC and the Consent Order from CFPB. I made several attempts to contact CFC directly ; however, they informed me they sold the account and they no longer could comment on the case I would have to contact the collection agencies to obtain information. I again talked to XXXX XXXX who informed me I was to send him a fax stating I had paid the bill ; however, when I attempted to explain to him the mix-up, he refused to listen and stated he was going to order his staff to begin the legal process against me by checking assets, financial and employment reports ; in addition, not only would this lead to increased fees, but criminal charges may also apply as well. I took this as a threat, even in the initial telephone conversation I was not able to give a full explanation concerning this issue as XXXX XXXX insisted on interrupting me with threats to pursue legal actions. According to your Consent Order to Continental Finance in XXXX Order to Pay Redress, item # XXXX ( XXXX ), ( i, XXXX, XXXX ), it addresses the issues of " Charge-offs, '' if I am reading it correctly, this case should be closed and can not be enforced. I mentioned earlier that several other collection agencies have purchased this account ; however, I have heard from none of them until I reached out to them all on XXXX XXXX, XXXX based on information I received from CFC. Agencies such as XXXX ( XXXX ), they claimed I owed {$640.00} ; XXXX ( XXXX ) who claimed I owed {$660.00} on account number XXXX, and finally, XXXX XXXX XXXX ( XXXX ) XXXX, I spoke with XXXX who then transferred me to XXXX XXXX XXXX.
07/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92058
Web Servicemember
I overpaid contenental finance twice for two reasons and they won't send me a check without making it such a hassle that I give up. On or around XX/XX/2021 I submitted a payment to them for XXXX from my XXXX XXXX XXXX account. The next day I received a call from a gal at XXXX Mastercard ( contenental finance ) that claimed I needed to make a payment, that none had been received. I told her I had paid it the day before and she said it wasn't showing. So, I logged into their site and there was no pending payment showing. So I added a new bank account from XXXX XXXXXXXX XXXX XXXX XXXX and paid a new amount, assuming the lady that called me had been correct and somehow my payment was rejected. So I paid XXXX from that account. I logged out of their site and decided to log back in in an hour to check that the payment didn't vanish like the one from XXXX XXXX XXXX did. When I logged back in to check the second payment ( from XXXX XXXXXXXX XXXX XXXX XXXX ) was still there, it wasn't. There was nothing listed in pending payments at all. So I made a third payment, all the while assuming these payments were being rejected for some reason. This third payment was also from XXXX XXXXXXXX XXXX XXXX XXXX for XXXX. Fast forward about five days, I noticed all three payments had been processed and that XXXX Mastercard now owed me XXXX. This is also reflected on my statement from them. So I called their number, waited on hold for about fifteen minutes to get my call answered. After I explained all this to the lady at XXXX mastercard/Contenental she said she'd have to put me on hold while she talked to her " manager ''. It sounded like she was actually at home, but I'm not sure. After holding about ten minutes she came back and said they " needed to verify my account ownership at XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX '' and do a three party call to do so before they could issue me a refund of the XXXX. I agreed to do this. She called XXXX XXXX XXXX, the normal number, did not have any special number, just the regular hotline that usually makes you wait 45 minutes to an hour and a half before they answer. After about 20 minutes of holding the call failed. I would like XXXX Mastercard to refund my money immediately without having to go through these unnecessary steps that are designed to make people give up so they can keep your money and collect interest on it. I'm not stupid. If Continental Finance was concerned about fraud or " account ownership '', then they would have rejected the payments outright. They did not. They took the payments and now are refusing, by way of making it too difficult, to issue me a refund. I'd be more than happy to email Continental Finance a copy of my drivers license and account statements from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for them to determine " account ownership '' if that's what they want. But to make somebody go through a maze of phone calls that take three hours to accomplish is completely unreasonable.
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OR
  • 97229
Web Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # N/A, XXXX XXXX ACCT XXXX N/A, has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX To : XXXX XXXX, XX/XX/XXXX at XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXXXXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXXXXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # N/A, XXXX XXXX ACCT # N/A, has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27265
Web Servicemember
I am writing to lodge a formal complaint against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX, an entity operating under the holding company XXXX XXXX, XXXX, spearheaded by XXXX XXXX XXXX XXXX. Over the past few months, I have received multiple unsolicited calls from a number associated with these organizations. On each occasion, the callers have been reticent about their identities and their company 's purpose. This includes not properly identifying themselves, abruptly ending the call when asked for identification, and insisting on personal confirmation before disclosing any information. Specifically, the dates and times of the calls are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All but the last were unanswered as I was unable to while working. On the day of the final call, I decided to answer the phone. During this interaction, the representative asked for my name without properly identifying himself or stating the purpose of the call. After multiple attempts to ask for his identity and company representation, he abruptly hung up. This call lasted a mere XXXX seconds. Immediately following this, I called back, hoping to gain clarity about the nature of these continuous calls. However, the representative I reached, again, refused to identify himself or the company he represented, and immediately asked if I was " '' This call ended after XXXX seconds, with little progress made. I called back one more time and I was able to speak with a female representative who informed me that they were calling from " XXXX XXXX XXXX '' on behalf of their client, XXXX XXXX XXXX, XXXX. I was told that I owed a debt significantly higher than what has ever been reported on my credit report. The representative claimed that such increases were normal, and cited an example of a consumer who had a {$200.00} XXXX card but had to pay {$700.00}. I was shocked at this admission. I inquired about how to remove this from my credit report, but was informed that even if I paid in full, XXXX XXXX XXXX would not remove the mark from my credit history, only label it as " paid in full. '' There are inconsistencies with the debt amount these companies claim I owe. Not only is the amount higher than the original credit limit of the card, but I was also informed that even if the debt were to be paid in full, it would not be removed from my credit report. Furthermore, the debt is being reported twice, once by Continental Finance Company and again by XXXX XXXX XXXX. This claim appears to be part of a pattern of trading debt among affiliated companies to maximize profits or evade regulatory scrutiny.
12/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • OH
  • 452XX
Web
In XXXX 2022, I was having financial hardship and was looking to help my situation since I was behind on a credit card payment for two cards with Continental Finance. I contacted customer service on XXXX XXXX to make a payment arrangement with them. The customer service representative offered a financial hardship program in which the payments for two of my cards, XXXX and XXXX, to be split into three smaller payments. If i pay on time, the accounts would not be going into the default and remain in good standing. I thought that was a great idea and the payments were reasonable for both cards. I agreed to the arrangement on the phone that same day. One card ( XXXX ) had arrangement of payments of {$68.00} for three months the other card ( XXXX ) had arrangement for {$38.00} for three months. I made the very first payments for both cards over the phone with the customer representative the same day. Over the next month, I lost my job and still made the payments on time, I obtained a new job at the end of XXXX. On XX/XX/XXXX, I called Continental Finance to get an update on my cards since now I had a brand new job. The customer service representative looked and saw that all that the payments than me for {$68.00} on the XXXX card were not applied to the past due balance. The payment problem was sent to a manager. The manager also looked at the arrangement and saw it was not done correctly and a work order was being placed to correct. I was told by the manager to contact the company again on XX/XX/XXXX since it takes 36 hours to go into effect. I called back on XX/XX/XXXX to which was the due date of the XXXX card 's payment. Customer service said the order was still being processed. I do not want to make a payment without knowing what the payment amount was. I was transferred to customer solutions in which a manager named XXXX also told me to wait and she would contact me in a few days to provide an update. I called again on Wednesday, XX/XX/XXXX and was told that the account was sent to collections and I needed to talk to them. I was given the number and tried to call but they did not answer. I called customer service and they said they were closed. The service rep implied that i should have known about it and I told him that the previous service rep said they were still open. I was told to contact them the next day. On Thursday morning, I called and the rep named XXXX ( XXXX XXXX XXXX looked at my information. He saw as well as the payment arrangement was not applied and passed me up to customer service, who didn't do anything but demanded payment. I did receive a letter from my XXXX card that said the account was in good standing with the payment arrangement. My frustration is that both cards are with Continental Finance and the rep from XXXX only applied one hardship payment arrangement and didn't set the other one and put my account and credit in jepaordy. I have done my part and should not be hurt for this.
07/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • MI
  • 48126
Web
The bank is Continental Finance and the credit card is a XXXX Mastercard. Upon my first payment I set up with my account number and routing number, I did not have the funds. I called in and told them to cancel the payment which they could not so I was advised to take the money out and that it would just be declined because they said they couldn't cancel it. I took the money out of my account and call back in a separate day to inquire about my new balance and attempt to make a payment. I was told I did not need to do so because my balance was less than it was originally. That was weird to me because the payment never went through. So I asked the gentleman that was helping me how is my balance lowered and he stated that my balance is current and it is reflecting the returned payment even and that it is not going to adjust because all the adjustments were set and done. I work in Financing and I understood that something was off so I asked again in full detail to understand why it was showing that the balance was lowered. He assured me over and over and over that the balance on that day was all that i owed and that it reflected all the changes and that it was not going to adjust at all at any point because according to him it already adjusted. I asked about my available credit and he stated that I had {$200.00} to use and that is the amount after all the adjustments have been made. Continental Financial ended up sending me a bill with an update balance that was {$200.00} over what I was assured. I called in to get a resolution I was told that they were going to review the call and call me back but they never did. My payment ended up going 30 days past due and still not response other than calls from them to collect payments and when I asked about the dispute they said they did not know. A client relations manager called me on XX/XX/2022 not to talk about the dispute, no, to collect payment. So I brought up my dispute and was told that even if the representative said something that was incorrect there is nothing that they can do about it other than wave the late fees. I was promised a call today XX/XX/2022. I answered the call and no one answered. I called back right away and a representative told me that there was no Client relations manager available. I gave them time and space to resolve this however it has been 38 days since the dispute and I have yet to get a solution. I have still not talked to anyone that has actually listened to the calls. I am a XXXX XXXX XXXX and I know my rights as a consumer and I know that sadly most consumers will fall for a scam of a lender such as this one but I will not. If i was assured my balance was a certain amount and that it was not going to adjust then that should have been the case plain and simple. However according to this bank its okay to promise something to a consumer and then change it and just say sorry as if that's every acceptable.
05/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 37363
Web Servicemember
I have a XXXX XXXX that is through XXXX XXXX XXXX and issued by The Bank of Missouri. My card came up missing and two fraudulent charges were made to my account on XX/XX/XXXX. There was a charged made to XXXX XXXX in the amount of {$69.00}, and another one to a place called XXXX for {$1300.00}, with charges were made on the same day, which was XX/XX/XXXX. I called and reported the fraudulent charges a few days later when I realized my card was missing. I spoke with a department who told me that they had cancelled the card and would issue another and it would be mailed out. They never mailed out another card, but sent me a letter saying that they had decided to revoke my charging privileges and did not issue me a new card, which is fine. The problem is that I reported the fraudulent charges and they are not addressing both charges. I have called in to Customer Service several times and advised of what charges were fraudulent and was assured they would be taken care of. After a while I did see that they did do an adjustment for the XXXX XXXX charge of XXXX but the charge for XXXX for XXXX was not adjusted, I called in when I saw this and spoke with a customer service agent who advised me that she did not see the charge either but showed the processor was someone named XXXX and provided me with a contact number and email address to send information. I called and did not reach anyone but did leave a message that same day. I also sent am email to the email address provided of XXXX, and advised that I did see that only of the two charges had been adjusted and advised that the other charge made on the same day was also a fraudulent charge, and a week letter I have not received a reply or a response to my email. In the mean time I did get a Unauthorized Charges Claim form dated XX/XX/XXXX, to complete and sign. Upon reviewing the claim form, I noticed that the charge to XXXX was also missing on the form under the list of fraudulent transactions. I manually added the charge to the form and signed and dated the form. Again, I emailed the form along with an explanation advising that the charge to XXXX was also fraud and made on the same day as the XXXX XXXX charge and was fraudulent and needed to be added, as it made no sense they would give me an adjustment for one but not the other when the charges were made the same day! In addition to emailing the form to XXXX, I also faxed it to the number XXXX as indicated in the letter. I also mailed the form back to them. The same day. I waited a few days to see if the charge would be added and it was NOT, so I contacted Customer Service again and spoke with a manager who advised that he would get the charge sent up to have it reviewed. Its been a week and the charge is still out there on my account and not adjusted and its been three 3 weeks since I initially reported the fraudulent charges.
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 34983
Web Older American
The XXXX Credit Card was issued by the XXXX XXXX XXXX and serviced by Continental Finance. To put things into context please allow me to explain who I am and how I became to be associated with this card. I am a XXXX man that was deceived into applying for this Credit Card unknowingly. The application was completed Online. I am not a computer guy, so the application was completed by a third party. To add further aggravation with the opening of this credit card, the XXXX credit card offers an optional Continental Credit Protection program, a form of insurance. I was enrolled also unknown to me. By the time, my daughter, XXXX XXXX, came to the picture, I owed 10 different credits cards, all with a balance between {$500.00} and {$2000.00}. She has been helping resolve this by speaking to the credit cards on my behalf and managing these accounts Online. Most have been paid off. - On XX/XX/2023, accounting ending XXXX was paid off by making a final payment of {$440.00} - On XX/XX/2023, I called to request account to be close permanently. Because there would be a pro-rated refund owed to me due to the credit protection program being cancelled the month prior, the account will show a credit refund. Continental Finance advised this will be refunded. - XX/XX/2023, I called again because refund had not been received. Credit refund of XXXX XXXX was confirmed Online on this date. Continental Finance assured that they had placed request to send refund check to my address on file. On this date they advised it should take approximately 30 days. - XX/XX/2023, my daughter XXXX called to question, why the credit refund had been posted in the account as a purchase instead of a refund. Furthermore, she questioned why the charge showed {$67.00} instead of {$61.00}. The additional {$6.00} was now showing outstanding on the account. This new entry made by the credit card company ( wrong ) did not allowed the account : o To be closed o Issued a refund of {$61.00} o Current balance due shows as {$6.00}. IF this not paid, it will rolled into next month by XX/XX/XXXX, accrued interest and drag me into a revolving door where I can not get away from this company- XX/XX/2023, My daughter, XXXX, attempts to login Online into the account without success. The credit card company has blocked access, thus not allowing to see any changes on the account. Please note that I have gotten on the phone with my daughter, XXXX, multiple times. I have requested them to add her as an authorized person to speak on behalf. Furthermore, she has submitted a Power of Attorney to confirm my wishes to speak on behalf. None of this has been granted and they still refuse to her. I am a very old person with limited understanding of credit cards.
09/23/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 95815
Web
Verve credit card I have a verve credit card with a {$1000.00} limit with Continental Finance, I have had this account for 1 year, and I pay {$35.00} a month through automated payments set up through my bank checking account. I have never been late making a payment. On XX/XX/XXXX, Continental Finance made an unauthorized deduction from my bank account for {$130.00}, instead of the {$35.00} i normally pay. XX/XX/XXXX {$170.00} was deducted from my bank account without my authorization. I called Continental Finance and they said that I had a late payment so they deducted {$130.00}. I filed a complaint to the XXXX XXXX XXXX On XX/XX/XXXX I received an email from Continental Finance, stating that if i pay 75 % of my bill of {$740.00} they will close out my account and my bill will be resolved, and I had to respond by XXXX and If I did not respond to their offer then {$200.00} would be deducted from my bank account as a regular payment and my account would stay open..I responded before the deadline and agreed to pay off my credit card balance and I told them I would pay {$270.00} in 2 payments for a total of {$550.00}, by the deadline of XXXX XXXX XXXX XXXX XXXX they made an unauthorized deduction of {$200.00} from my bank account. I called Continental Finance and told them we had an agreement and they were not supposed to deduct any money from my bank account, and I also asked about the amount owed because the email they sent me said stated my balance was {$740.00} but my credit card statements said I owed {$540.00} for the month of XX/XX/XXXX. I asked them to send me an email confirming the agreement that we made and also with the correct amount I still owe. The person ( XXXX ) told me that my account was already closed so he couldnt send me an email. I checked my account online and it was still open and I never received any notice stating my account was closed. I did receive a letter in the mail saying there was suspicious activity on my account so they had to cancel my credit card. I have not used that card at all for over 6 months or more, but my XX/XX/XXXX statement shows a transaction made for {$41.00} but it doesnt show where or what exact date of the transaction. I have paid this credit card in full already, I do not owe any money, but they keep adding fraudulent charges to my credit card account and deducting unauthorized money from my bank account. I want this account resolved with a XXXX balance and closed. On my statement for XX/XX/XXXX and XX/XX/XXXX it shows {$0.00} credit available but online it shows {$1000.00} credit, I do not have any credit card statements reflecting the amount of {$740.00} owed as stated in the email I received from them XXXX XXXX
12/13/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • TN
  • 371XX
Web
they had a hack into their credit card system, I was n't informed that my card and all the cards who got hacked would be of no use. I went to pay my credit card and it said my balance was XXXX dollars, I thought my husband had paid off the remaining debt, so I thought nothing of it only for me to see that I 'm getting calls from the creditor saying I was late etc and threatening to go after my credit rating. immediately I said my end of it and instead of apologizing they said well you 'll still have to pay the late fees however we wont charge for the over the phone payment and that they would be sending out my new credit card to the new address that I currently live at and that I should throw away the old credit card. so I wait and wait all the while making payments only for the new card to never arrive. 3 months of making payments without any access to my funds or online access then after this I very helpful supervisor saw me make a payment and asked me had I received my card, to which I replied no I had not. she was outraged she said none of your information here has been updated, and they have me down under the same info. so she mails out to me finally the new card only for it to only be activated by .... ( get this ) my old phone number which I had issued when I applied a number that I do n't have anymore I lost that along with the info as I relocated to tn from Michigan. as she goes to try and activate via phone she says its been put on here that you requested to not be phoned about your credit card XXXX I said what???? why would It say that I never asked for that so obviously I 'm being discriminated against by one of the supervisors there who at one point did give her name and its said to be XXXX, however this has just been draining, and more closer to emotional damage. as well as it can interfere with me being able to provide a good XXXX for my children. they once again gave me the same fax number that I had tried to call for 3 weeks in a row that remained ( busy ) ... .. I believe I 'm being discriminated because of my race, and my funds and my credit have been unjustly withheld from me. at this point I will try and do the fax number again, however ... .. I am tired of swimming against the stream of this corporate giant and its workers who think that they can just walk all over people and make life harder than it already is, I do n't know what else to do but to file a complaint. at this point it just seems useless. I remain hopeful that you and your company will be able to help remedy me of this problem thank you .the credit agency in question is continental finance and the card is the verve card.
01/12/2024 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85213
Web Servicemember
I write this to explain the lack of consideration or repeated attempts to have this organization from continuing harrasing me regarding a late credit card payment. On XX/XX/XXXX my XXXX XXXX XXXX XXXX XXXX at my mother 's residence while my family was out of the country on vacation. Upon hearing the news, I drove cross states lines to immediately be on site. Through the turmoil and trying to discover the reason for the unexpected death, I was contacted by Continental Finance ( phone listed below ) in an attempt to collect a payment on XX/XX/XXXX. I informed them of the situation and to please stop calling me 4 times a day at randon times to collect a payment and that I would resolve the matter as soon as I arrive back home. The calls did not stop. Since I was out of my home state, the calls would come prior to XXXX since they apparently were not aware of the time difference and after I have talked to them multiple times. In the last three days alone, I have personally received 9 calls from this organization. Today I arrived back home and as promised, I called them to make a payment on my account. During the call ( 24 mins on hold ), I received two calls from them as I was attemping to make the payment. The representative informed me that they are not dialing the numbers manually and that they do not have control on how the calls are made. That their organizations back end system calls throught the day and their goal is to make sure their clients receives payment. So, my personal privacy nor my families time is valuable to them? I asked him plainly and clearly after I explained to him again my brother 's untimely passing on, " how much do I owe your organization so I can determine how much my brother 's life ment to them ''? He informed me {$100.00} dollars. He asked me " why couldn't you pay the balance then ''. Which I explain that I was not aware of the cost of burrial, travel and expenses while I was gone, during the holidays at that, so therefore I wanted to ensure I have the reserves to pay not only the {$100.00} for my credit card but also all the unexpected expenses. This company is notorious for this and not the first time either. I have been XXXX due to a XXXX XXXXXXXX and due to a XXXX XXXX ( that I developed after XXXX ) and both times this organization did the exact same business practice. I want to bring this to your organization 's attention since according to your fair debt collections practice, this organization is not playing by those rules. Please contact me directly if you have any question or if you would like to see call logs outlining the information I have provided.
12/28/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MN
  • 55337
Web Servicemember
I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.
08/30/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IL
  • 60438
Web Older American
I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP
09/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 11717
Web
Complaint Description As XX/XX/XXXX I was affect by covid 19 and was layoff I called card company and explain my situation as apply for XXXX XXXX among the wait time and they put me on a temporary relief program as my payments were made every month on time prior. The relief program expire as was still not working due stay at home by the governor. I assume the relief program was over in XXXX as recieved a call from card company XX/XX/XXXX the rep said I owed {$130.00} this included late fees I think she said other fees I said still not working then said I owed {$52.00} paid XX/XX/XXXX {$110.00} as my bill generally {$50.00} per month and all my payments were on time prior to this, I assumed was next due XX/XX/XXXX as recieve a call today from XXXX XXXX XXXX it was verve collection saying I was more then 30 days late and need {$140.00} as could hear her that good. I explained my last payment XX/XX/XXXX made was {$110.00} that was get me to XX/XX/XXXX as the last rep XX/XX/XXXX did not say I would have to make a payment for following month as I assumed was due XX/XX/XXXX. Today rep was said AGAIN being charged all these fees as being affected by covid 19 and not working I asked her was this being reported to my credit report as past due over 30 days she said yes which should have not happen as I'm looking for a new job and every employer check your credit report as I work in finance and this is now going to affect me going forward as we being taken advantage of during theses trying times as looks like verve company is taking advantage of the uneducated consumer. I asked please help me as trying to get back on my feet and making payments to verve card company there looking milk the poor people in a difficult time in a pandemic and make a extra buck while doing so. I see continental finance has prior violations by CFBP before as the company was being monitored and seem like they are doing it again, I keep making payments each month and some extra and every month I'm still over the limit you call the company and they tell you everything is fine but continue charging hidden fees to purposely making make you over your limit. I have reach out to the attorney general office for regarding continental finance illegally business practices but seem not getting nowhere as of today I just got another alert XXXX I'm over the limit again when keep making on time payments and some extra payments seem that I will get caught up.
06/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • MI
  • 48076
Web
I've included screenshots. My due date is suppose to be on the XXXX of every month yet the date change daily. The other screenshot shows proof my credit limit increase was changed from the XXXX to the XXXX. I included a screenshot of the email i get every 6 months. Yet when i call i get the run around and a bunch of lies. I called Continental Finance multiple times within the last 30 days regarding my XXXX Credit Card and have received the run around for almost 30 days. This Company 's employees tell one lie after another. Now i'm being falsely accused of applying for a credit limit increase. It's been 6 months and if i had not called this Company they wouldn't have ever sent me an updated card. Any Company that offer credit cards is suppose to send their customers an updated card 2 to 3 weeks before the card they have expire yet i had to contact Continental Finance only to get the run around for nearly a month. Multiple agrnts told me therevis no valid reason why i never received updated cards. I should've received updated cards in XX/XX/XXXX for my XXXX card and in XX/XX/XXXX for my XXXX card yet 6 months later i had to contact them. I've never missed a payment or been late making a payment. Since i've had this XXXX credit card every 6 months i get an invitation by email to apply for a credit limit increase. Continental Finance have now changed my bill due date which should be on the XXXX of every month along with my XXXX card thru Continental Finance. They also changed the date for my credit limit increase which should be on the XXXX every 6 months like my XXXX XXXX. Continental Finance agents have repeatedly lied that i called in and have been lying for a month that my date would be back set to the XXXX for my bill due date and for my credit limit increase. Their agents lie about anything and they leave you sitting on a call even when you tell them due to XXXX XXXX you can't stay on a long call while they lie about getting a Supervisor. A week ago a XXXX agent name XXXX or XXXX from their so called Escalations Department contacted me and left me a voicemail. Since early XX/XX/XXXX i've called her and left voicemail after voicemail yet she didn't bother to even contact me back and it's nearly 30 days later. Customers wouldn't have to keep filing complaints on Companies if they did the right things and not lie snd give customers the run around.
07/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • MS
  • 38671
Web Servicemember
In XXXX of XXXX I paid off all my credit card debt. XXXX of those cards was a XXXX XXXX from Continental Finance / Celtic Bank. I accidentally double paid the balance of {$370.00} twice. Thats when the fun starts. Realizing my mistake months later, I called XXXXContinental Finance customer service and asked them to refund the overpayment. In broken English, I was told that they could not do that because they thought that I might be trying to scam them and that XXXX or both of the payments might bounce. Bear in mind that this is XXXX months since both payments were debited from my account. Frustrated, I asked to speak with a supervisor, I was told that one would call me shortly. I also instructed the agent to close my account. He told me that my account was closed. A few hours later, an English speaking agent working from home called me and assured me that I would received a check for both my over payment and half my annual fee in the mail. About XXXX days later, received a check for about {$20.00} ( half the annual fee ) and another check for {$370.00}. Thinking that the matter was resolved, I went on with my life. Fast forward to this morning XX/XX/XXXX, I woke up to an email thanking me for authorizing a payment to my XXXX XXXX for {$35.00}. Astonished, I called Continental/Celtic customer service again and spoke with XXXX who did not speak English as her first language and later declined to provide me any employee ID number or other identifying information. She told me that I had a balance of $ XXXX on my account. I said, how is this possible, explained that I overpaid my balance, got a refund for the overage and my account is closed. She informed me that it was not closed. And that my BOTH my payments, made in XX/XX/XXXX, were returned so that I was left with a balance. I tried to explain that that was incorrect, but she just put me on hold them disconnected the call. I discovered that my login credentials still work on the website. Continental debited my checking account for {$30.00} on XX/XX/XXXX and initiated another charge of {$35.00} for XX/XX/XXXX. They have also been charging me interest on this fictitious balance. I never authorized automatic debiting of my checking account and certain did not authorize them to reopen my account and start charging me interest on a fictitious balance. I need the FTC to please stop these fraudsters.
08/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80909
Web
This complaint is against Continental Finance. I lost my XXXX Credit Card around the end of XXXX, XXXX. I called Continental Finance and reported my credit card missing. They instructed me to prove my identity because I moved to Colorado and they would only accept a fax to an office I do not know. I sent the fax to them with the requested documents. I never heard from them. I went to pay my bill online as I have done on time every time ( I have the records ) and the companies XXXX/Continental Finance closed the access to the credit card site and I could not get access to pay my bill. I finally received my new card about a month and a half later. I went on line and created a new account and I was able to pay my bill. I received two threatening letters. One in the beginning of XX/XX/XXXX and another on XX/XX/XXXX. They said I owed {$110.00} and there was a {$35.00} payment past due. This is impossible because I paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of {$35.00} each. These companies are criminals. Now referred here to as CFXXXX. They adjusted my cycle without telling me and billed me a service fee the was not due and charged me over {$140.00} in fees reflected in the last statement I received in XX/XX/XXXX that was the first since I had the card because everything was managed online. The statement dated XX/XX/XXXX had the following that I never received before Fees and other charges 1. Monthly network fee $ {$10.00} ( Never was there before ) 2. Annual Fee {$99.00} ( CFXXXX only did this because it was a new card and they are criminals. ) This fee was not due until next year. 3. Late fee of {$40.00} for no reason. In the reverse side of the invoice. ( This is the only one I have received from CFXXXX since I opened the card last year. ) It says " every month I will be assed a monthly fee. '' No amount stated and to close the card if I did not want the fee. So, I called CFXXXX today XX/XX/XXXX and was on the phone for an hour. I asked the person to transfer me to a supervisor to straighten this out. I was transferred 30 minutes later to a rude person that REFUSED to help. The fees that were asses in total I did not owe and this person refused to close the credit card. They are now falsely reporting on my credit report and gouging me in fees that I did not owe and I was not late on any payments. /s/ XXXX XXXX XX/XX/XXXX
07/17/2015 Yes
  • Credit card
  • Billing disputes
  • PA
  • 173XX
Web
I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed!
04/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33578
Web Servicemember
I've been an account holder with XXXX/Continental since XX/XX/2017. I have had an auto payment setup on this account to draft over what my minimum monthly payment is for a while. During this time, the auto debits had always been withdrawn from my account under the name Continental Finance. On XX/XX/XXXX, the auto payment was made on my account. This time, the auto draft came from a company called XXXX XXXX XXXX. Due to an issue that I had with this company back in XX/XX/XXXX, a block was placed by my bank to stop any ACH transactions to be withdrawn from my account. Being that all my payments have been listed as Continental Finance, I was not aware that this payment was returned. I was told by my bank that the auto draft was attempted twice by this XXXX XXXX XXXX company. My credit card company, XXXX Continental, had never contacted me to inform me of a returned payment ; and furthermore, that my account was past due. I have no voicemails, emails or any communications from them. I had attempted to sign on at the beginning of XX/XX/XXXX when I receive my pay to schedule a payment on this card. For a couple of days, their system was down. This was also confirmed by a representative on one of many calls made to rectify this matter. It wasn't until I received an alert from one of my credit monitoring sites that i fell behind on one of my cards. This is totally unfair. Had I known that my payment wasn't made, I would've rectified the situation immediately. This is deceptive since this company has been able to benefit from late fees on this account since the cancelled the auto drafts due to them processing it under a different company name and I didn't even realize that my XX/XX/XXXXpayment was late had I not finally become able to access my accounts online. This is abusive for the simple fact that I am supposed to close on my home in the next week and this recent late payment has put me in jeopardy of loosing out on my home and furthermore, losing out on my deposit on hand with the builder who built my new home. Their acts and practices benefit them solely as they can collect fee 's and additional interest for their gain while not taking a moment to send me an email, text or phone call letting me know my account was late. They have been no help and have not returned any phone calls requested from someone on a resolutions team.
09/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AZ
  • XXXXX
Web Servicemember
Date of incident XX/XX/XXXX COMPANY : CONTINENTAL FINANCE COMPANY ( SURGE CARD ) I made a payment on XX/XX/XXXX in the amount that was due {$35.00}, but later I was checking my acct with XXXX ( surge XXXX ) on line an saw XXXX payments were initiated. I didn't feel like calling and being on hold, so I just said I would let them both process. A week went by and the money never came out of my checking acct with XXXX which is what I used. I called the representative ( male ) told me tht the XXXX payments were being returned by my bank, I told him impossible they money is there, there are no RTItems on my account so something on there end must be wrong. He then said it was rejected never hit my bank, I told him all my information was correct and that the day I made my payment XX/XX/XXXX i only made one but two was initatied and that maybe that had something to do with it. I asked him to remove the late fee XXXX on XX/XX/XXXX and return item fee XXXX for both which would total XXXX and he said he couldn't because it was showing yet wait for my statement. but it did show on my end so I called back XX/XX/XXXX wanted the charges removed it was not my fault that the money was there.I told them he talked to my bank on a three way call, and they confirmed the money was in my acct and had been. that nothing tried or attempted to process and the bank got off the phone. He said he didn't have ref # for calls but that when I called back to get fees waived they could listen to the call and he would put notes. anyways, i asked them to listen to the call and waive all fees, clear my acct so it doesnt reflect anything negatitive as I pay always on time, and twice a month some times since i had the card. they refused. Also, i spoke to a specialist she had over three checking accts on her end but I couldnt see them on the online system were you select your acct and what she had was not anything i use. She deleted them all, but again the accounts i used and read the number back to her, she didnt even have. So what I did and will continue to do is caLL AND USE A DEBIT CARD. ON XX/XX/XXXX WHEN I CALLED I PAID XXXX WITH A DEBIT CARD WHCIH CLEARED INSTANTLY WITH A FEE OF COURSE. IF A CONSUMER HAS TO PAY WITH A FEE BECAUSE THERE IS A ISSUE WITH PROCESSING THROUGH CHECKING ACCT 'S IT SHOULD BE WAIVED. WHY ARE WE BEING CHARGED TO USE A DEBIT CARD?
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28027
Web Servicemember
This is about the Consumer Credit Transaction initiated on XX/XX/2020, with the financial institution XXXX executed by way of signing an Agreement ( Document ). As per 15USC 6827 ( 3 ) The term document means any information in any form. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, The institution XXXX furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, & XXXX ). According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information : 1. Provided by a consumer to a financial institution 2. Resulting from any transaction with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution Further pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and the institution XXXX has violated the provisions of 15 USC 6802. In case the Company XXXX admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). Under 5 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, the Company XXXX has not only infringed my right to privacy but also violated multiple Federal Laws.
02/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • WI
  • 53402
Web
I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via XXXX XXXX ).
01/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 08879
Web
Continental XXXX deducted my payment of {$620.00} twice from my bank account on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted Continental XXXX to find out what occurred regarding my account. I spoke to XXXX. He did see their error and advised me that I needed to have a three way call with him and XXXX XXXX XXXX so he could verify that these two payments were deducted from my bank account. The XXXX XXXX XXXX representative gave him all the information he required over the phone. He stated that my account will be in order by XX/XX/XXXX. On XX/XX/XXXX, the account was still not updated. I contacted my bank institution, XXXX XXXX XXXX to dispute the 2nd payment deducted from my account. Claim ID : XXXX. On XX/XX/XXXX, XXXX XXXX XXXX advised that the dispute was resolved. On XX/XX/XXXX, I tried to use my credit card and it was declined. On XX/XX/XXXX, I contacted Continental XXXX, spoke to Customer Service Manager, XXXX who advised me that she updated account to ensure my entire available credit of {$750.00} would be available by XX/XX/XXXX. On XX/XX/XXXX, I checked my credit card account online and this issue still was not resolved by Continental XXXX. Called spoke to Customer Service Rep, XXXX who spoke to the Customer Service Manager, XXXX who also advised that she updated my account and that my account would be updated in 30 minutes from that call. Later that day, I checked my account once again, and still the account was not correct. I called back at XXXX XXXX EST and was transferred to Customer Service Manager, XXXX who advised that I needed to fax copies of my bank statement showing the two deductions. She gave me fax number XXXX and XXXX. I did fax the statement to both numbers as she instructed. It did successfully transmit to the first fax number ending XXXX. On XX/XX/XXXX, I once again tried to use my credit card and it was declined again. On XX/XX/XXXX, I called again and was unable to speak to a representative. I re-faxed my bank statement which also transmitted successfully. At this point, I do not know what else I can do to have this company correct this situation for me. I need for Consumer Financial Protection Bureau to intervene on my behalf to assist with correcting this problem. Thank you in advance for your prompt attention in this matter.
11/14/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NJ
  • 077XX
Web
My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.
09/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48503
Web Servicemember
I have power or attorney for my ill father. I contacted XXXX/CONTFIN by phone at ( XXXX ) XXXX to inform XXXX/CONTFIN that the alleged account # XXXX opened up on XXXX/XXXX/XXXX for {$500.00} could not be owed by my father ( XXXX XXXX ) as they have reported on his credit report because on XXXX, XXXX XXXX was in the XXXX and XXXX with a condition that left him XXXX. Therefore, this account had been fraudulently opened and fraudulently reported by XXXX/CONTFIN to the XXXX, XXXX, and or other credit agencies. On XXXX/XXXX/XXXX, I called XXXX/CONFIN and spoke with to XXXX, who informed me he could not give any information unless a Power of Attorney was mailed to XXXX, DE XXXX. I told him I mailed it around XXXX/XXXX/XXXX. XXXX then said give it 10 days. I said ok. I called again on XXXX/XXXX/XXXX and spoke with a female associate who 's name stared with a XXXX. At this point I was informed she does not know whether they received a power of attorney form and the debt had been sold to XXXX XXXX XXXX. I said so now I have to mail the power of attorney to them. She placed me on hold and came back and said she does not know whether they received the power or attorney but she could not tell me anything. I ended the call. My problem is that I sent them a Power of Attorney that is not being acknowledged. My original letter to them was sent with the power of attorney requesting they prove the debt is owed by mailing to me the signed application by my father, any statements sent to my fathers home address. I have had power of attorney since XXXX for my father and has never received any statements at his home address of almost 40 years from this company. This is the information I needed to have them correct his credit report they damaged by placing false information to the credit agencies. I want XXXX/CONFIN as a resolution to submit to me proof that the debt is owed, showing the original application signed by XXXX XXXX my father and any statements sent to his home address. When XXXX/CONFIN finds my father did not sign these documents or open this account to remove all negative credit information from all credit agencies including XXXX, XXXX, and other agencies
12/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • 28546
Web
FIT XXXX issued by Continental Finance Company ( hereafter 'CFC ' for this complaint ) has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. FIT XXXX has XXXX since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau XXXX XXXX the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains XXXX its enforcement authority. I also have the right to Opt Out under XXXX CFR XXXX deriving authority from XXXX XXXX XXXX. Also, under XXXX XXXX XXXX ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with FIT XXXX XXXX XXXX open-ended credit line and the credit application became a security the moment my signature was obtained. FIT XXXX XXXX XXXX in violation of the XXXX XXXX XXXX of XXXX for the sale of my security on the secondary market.
04/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 73013
Web Servicemember
In early XX/XX/2019 I noticed an entry from The XXXX XXXX on my credit report. I sent a certified letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX and that letter was received on XX/XX/XXXX. In the letter I stated there was an entry for {$620.00} on my credit report and just to simply get this off my report that I would pay {$310.00} which was half of the debt that was mentioned on my credit report. In the letter I also stated that cashing the check the company would be agreeing to completely remove this off of my credit report with all 3 bureaus and not report this as a paid collection or settled account. The check was cashed by a Continental Finance and when I check my report the entry was completely removed. I was alerted on XX/XX/XXXX that a company by Continental Finance has placed a charge off on my account for {$310.00} which appears to be the other half of the debt that was reported on my credit report. This seems to be a sister company to XXXX XXXX XXXX. So essentially, my money was taken and XXXX XXXX XXXX agreed to the terms of deleting this from my credit report and did indeed removed but turned back around and fraudulently had a sister company list this on my credit report. If there was an issue agreeing to the terms then the check should have never been cashed and a verification letter should have been sent to me and it was not. I have never had any dealing with Continental Finance so I'm not sure why they even have this account and further they are also operating as XXXX XXXX XXXX XXXX, so there appears to be 3 companies operating as one for this purpose. Since the company cashed the check they have agreed to have this completed removed from my credit report so it should not be there and I have kept all documentation. This company should be investigated to see how many consumers they are doing this to. In addition, they should be looked into to ensure that they are abiding by the SCRA ( Servicemembers Relief Act ) laws for XXXX XXXX members of 6 % percentage rate, I don't believe this company is following the law in regard to that and I'm curious how many other XXXX XXXX members are affected by that as a whole.
12/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Credit card company forcing arbitration
  • VA
  • 22153
Web Servicemember
Re : Continental Finance Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX represented by : XXXX XXXX XXXX XXXX XXXX - XXXX in XXXX and XXXX, XXXX server Today, XXXX XX/XX/XXXX around XXXX, I received a call from XXXX XXXX, and XXXX left a very harsh XXXX XXXX saying she was a process XXXX and I would need to sign for papers being sent to my house for a civil legal matter and that I have been notified of legal action against me. When I called the XXXX return number she listed, and to reference a File number, I reached XXXX in the XXXX XXXX, however thats not how the phone was answered. She said " Litigation '', no name, no company name, no ID number, etc, and I said I was left a XXXX for a File # ... .. and had no idea or knowledge of what this was in reference too. XXXX confirmed my identity and last XXXX of XXXX, and said that they represent their client XXXX XXXX ( of XXXX XXXX XXXX ), and that a credit card debt in my name has been sent to them to pursue for a civil lawsuit against me for a balance of over $ XXXX of the suit. HOWEVER ... XXXX HAVE NEVER HAD, NOR EVER APPLIED FOR ANY XXXX XXXX OR ANY OTHER CREDIT CARD WITH THAT COMPANY. I kept trying to ask questions to get more information about this " alleged '' credit card debt of mine, that was apparently opened in XXXX, and sent to collections in XXXX, however I have not received any calls, letters, mail, emails etc prior to today regarding this issue. When I asked for proof of documentation, and stated that this debt is not mine and must be fraud, XXXX then proceeded to state that she will notate my dispute and I will be sent a summons to appear in court on a future date, and I could request all the documentation or account info at that discovery hearing, and then said Good luck to you and hung up on me while I was still talking. I immediately called back, got her back on the phone and stated that she abruptly hung up on me when I was trying to gather any info about this " alleged '' account/lawsuit that I've been threatened with, without being given any additional info. I was hung up on again. Filed XXXX FTC, XXXX
07/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TN
  • 38127
Web
Celtic Bank XXXX box XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Reference Number : XXXX Dear XXXX XXXX Thank you for submitting a prequalification request for the Surge credit card issued by Celtic Bank and serviced by Continental Finance Company . Upon review of your request, we regret that we are unable to prequalify you at this time for the following reason : We are unable to access your credit report due to a security freeze. You may contact the bureau to remove the freeze and reapply. Our decision was based, in whole or in part, on information provided by you and the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX You have the right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply reasons why we have denied credit to you. You have the right within 60 days after you receive this notice, to obtain a free copy of your consumer report by contacting the consumer reporting agency listed above. You have the right to dispute the accuracy or completeness of any information in your consumer report by contacting the agency listed above. If you have any questions about your application, please call us at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sincerely, Credit Officer The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income is derived from a public assistance program ; or because the applicant has in good faith exercised his/her right under the Consumer Credit Protection Act. The federal agency that administers the compliance with this law concerning this creditor is the FDIC Consumer Response Center, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX.
07/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85224
Web
I have been trying to dispute a charge on my credit card for approximately 10 days with this credit card company. This charge has caused my credit to be over the limit & created a high usage credit limit alert from my credit bureau report. I have tried to contact this credit card company numerous times only be hung up on after waiting for 30 minutes to 1hour increments at a time. I was told it takes 7 days to receive a credit back for the disputed charge when a call back is received & when I finally received a call back the general customer service number was left for me to call that has a rediculous amount of hold time & it seems as if I'm never going to get this issue resolved. I even called at XXXX & still was on hold for 45 min never to speak to anyone. Also, shortly, before this incident I called & requested to have my name changed due to a divorce I called customer service & told them that I think that I threw the card away that they sent me. In response, they sent me a card with a new card number without my knowledge. The representative did not tell me a new card number was being sent. Which could have caused a number of things if I did not look or get the new account in time so I added the auto pay back & made a payment I'm not sure what happened but my payment was rejected & it says the information was not entered correctly & they charged me a {$39.00} return check fee & returned my payment. & just a suggestion maybe they should add a double payment box where you enter your payment account information twice because it seems as though there is always a reason to re enter/ re set up auto pay for every little change to the account. With this in mind, now I have, a unauthorized charge, a returned payment, a {$39.00} returned check fee & im still over the limit as well as the balance is accumulating interest & reporting as high credit usage. Also, if I decide to make a payment due to the possible clerical error they will hold my payment for 7 days. This, I am unable to speak to anyone in regards to this issue but continue to wait for long amounts of time & then to be transferred.
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32043
Web Older American
I am writing regarding a banking matter concerning a Credit Card Bank failure to refund money from a transaction where a product was purchased and returned to XXXX XXXX. ( See Attachments # XXXX ) As you can see Verve Credit Card Statement, Closing Date XX/XX/XXXX ( See Attachment # XXXX ) Verve acknowledged the refund and credited my account for {$540.00}. Verve issued a check to me dated XX/XX/XXXX, which I attempted a mobile deposit for {$540.00} via XXXX XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, the mobile deposit was rejected, and the money was withdrawn from my account on XX/XX/XXXX. The transactions can be seen in the screenshots from XXXX XXXX XXXX XXXX website, including the {$21.00} Check Chargeback Fee. ( See Attachment # 3 ) I was told that type of check had to be deposited in person, so I attempted to physically deposit the check for {$540.00} at XXXX XXXX XXXX. You can see in XXXX XXXX XXXX research the check was Returned Unpaid and included a {$12.00} Returned Item Fee. ( Attachment # 4 ) I have never received any money from Verve as a refund. Over the past year I have attempted to resolve this matter via telephone and the US Mail, and they have records to prove what Im saying is true. My most recent interaction was with XXXX XXXX, Customer Experience Support Analyst, XXXX XXXX XXXX XXXX. She essentially asked for items I had already provided, and she stalled hoping Id go away. But Im not going away until I receive payment of the refund. I have never received the payment I am owed by this criminal operation. They have withheld money I could have earned interest on, cost me {$33.00} Returned Check Fees, cost me time and money mailing evidential documentation, and untold hours of time trying to prove I never received the money. I know it would be a simple thing for them to see if that check was cashed. I can see when my checks clear. Please help me receive my refund from this unreputable bank, and to pressure them into obtaining a reliable accounting system, and hiring reputable employees capable of assisting honest customers.
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30296
Web
In accordance with The Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these addresses i have no knowledge of theses addresses... These accounts and wrong addresses have violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
11/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 155XX
Web
I have been having issues using my new XXXX credit card through Continental FinancXXXX when it comes to purchases made through XXXX grocery. I first placed an order with XXXX grocery on XX/XX/XXXX of this year. The original charge amount was {$44.00}. It is not unusual for the actual charge to be a different amount than the initial pending charge, which was the case here. A few days after I picked up the order it was processed through for {$44.00}. However, the amount of {$44.00} remained on my recent activity list and took up available credit. I only had {$1.00} available. I contacted the company about this, and was told the pending would be taken off. I contacted them on, or shortly after XX/XX/XXXX, because I had just made a second purchase through XXXX grocery, not knowing that this was going to be an issue. The {$44.00} remained on my account for at least another week. When I checked my online account last evening, XX/XX/XXXX, that amount had been removed, and I had {$70.00} in available credit. I made two charges in the amounts of {$7.00}, and {$18.00}. When I checked this morning my second XXXX grocery order had processed through. As before with my first order, the original holding charge of {$66.00} is still there, as well as the adjusted charge of {$59.00}. My available credit is now negative {$14.00}. I called them this afternoon, XX/XX/XXXX, to ask if they could remove the pending {$66.00}, as it is basically the same charge as the second {$59.00}, and I need the available credit that pending charge is taking up. My call was forwarded to an account manager who, no matter what I said told me that {$66.00} had been taken off of my account, and my account being over the limit was because of the two small charges I had made that were still pending. I had {$70.00} available credit with the {$66.00} charge on my account, and of course {$59.00} is a lesser amount by {$10.00}. So basically this account manager was swearing up and down that {$7.00} and {$18.00} pending was taking up about {$94.00} worth of available credit.
01/26/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • GA
  • 317XX
Web
They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.
05/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • AL
  • 366XX
Web Servicemember
Finance Institution : Continental Finance Card : XXXX XXXX I have been attempting to have my undelivered credit card replaced for over 6 months without success. I called their customer service as instructed and they then directed me to the card replacement department. Here are the issues I experienced : - They did not send me a replacement card as they said they would. - When you call the card replacement services, they ask for your full card number which is not on your statement or online profile. - After several attempts calling their customer service to resolve the issue, they kept directing me to card replacement services. When you speak with card replacement services, they redirect you back to the lost/stolen department. - After asking me for my phone number to verify my account so they could send me a message showing they were sending me a new card, no message came through. So, the representative proceeded to tell me that I would have to talk to customer service because I didn't receive the " alleged message '' he sent. When I asked him which number he sent it to, he told me that he didn't have a phone number on my profile, and tried to redirect me to customer service. - When they originally said they were going to send me a new card, they charged me over {$100.00} for replacing the new card. - The company does not give you the option to cancel your card on their website. - When I spoke with the lost/stolen department and was not satisfied, I asked to speak with a manager. A woman gets on the phone and takes all of my information again and says that she would replace my card immediately. She stated that I was being transferred to card services. Music played in the background for 2 minutes before the phone just hung up. When I tried to log into my account after the phone hung up, it stated that I was blocked from accessing my account. This company is a total fraud that has been giving me the run-around for months. I would like for them to be investigated for fraudulent practices.
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MI
  • 48503
Web
My XXXX credit card bill is {$550.00} my credit limit is {$300.00} and I have not used the card in over 8 months. ( Part of the time I was suffering from XXXX and was unable to keep up and I believe that the company took advantage of this fact. ) The over the limit information is being reported negatively on my credit report along with inaccurate information about payments being late. XXXXContinental Finance refuse to resolve the issue and I have tried numerous time to do this. Even though I requested duplicates of my bill for verification of the facts the company never provided me with them. Payments have been misapplied since XX/XX/2023. I made contact with the company several times in XX/XX/2023 and XX/XX/2023 and XX/XX/2023 trying to get the issue resolved. I complied with their request, made additional payments and supplied specific information regarding my bank account. to prove that the money was available for my payments. In addition in XX/XX/2023 I attempted to make yet another large payment to bring down the balance and requested that they waive all over the limit and late fees due to the circumstances the representative for the XXXX XXXXContinental Finance that claimed to be a supervisor, refused to process another payment over the phone and stated for me to wait for customer service to contact me with the resolution as they asserted that payments were returned by my bank. I waited and they never contacted me. Again I attempted to go online to make a payment and my information could not be found, I called in to the XXXX XXXX and was told at the beginning of the call that " THIS IS AN ATTEMPTTO COLLECT A DEBT! '' I requested to speak with a supervisor, the rep put me on hold and returned and stated I'm sorry your account has been sold! I told the representative that I did not want the account sold and that I would pay and I have been on hold for 55 minutes. As of the submission of this complaint no one of the XXXX staff has come to the phone to address my concerns.
10/11/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33442
Web
I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.
04/10/2015 Yes
  • Credit card
  • Billing disputes
  • NY
  • 11795
Web Older American
I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.
08/04/2016 Yes
  • Credit card
  • Late fee
  • NH
  • 03103
Web
I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at XXXX. XXXX
03/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TN
  • 38583
Web
Just started off with charges I didn't make. Undisputed is it was taken off told me to wait 30 days it will be complete. Initially they hit me it by XXXX they originally took the charges off. had made my balance correct what is the end of you waiting for it to be settled Last minute they charged back a payment to my cellphone company this very first charge I have made that was right around the amount they has overcharged me. Put my account in collections with the cell phone company had to repay p in 4 days that's how they fix me everything they took off my balance they said to make it right for the fraudulent charges and they had added made it right until last minutes they didn't charge back to my cell phone company for the amount that would have made it right.Said it was settled because I didn't know they had did that this is a plan that put me back in XXXX in the first month been downhill. Pull up in about another claim. It was about putting money from my bank account destroy employees two or three payments at a time it even tried to pull to pay off for a maxed out card. I felt was still wrong then turn around a week later and pulled off another {$42.00} payment and was trying to pull more of my account but it has grain my account in the bank will not pay any more overdraft I had not otherwise you probably didn't know isn't about them until the first watching my credit report it showed it paid off and completely just stopped and went on to pull more payments. I still feel like I'm in dispute. There's always going to be at the bank to it was closed and now they just keep getting my credit rating I don't have any trouble with my other card just this one this all happen in threes or 4 months after you open it. Go talk to the credit card company can was under the impression XXXX XXXX XXXX has bought Continental app but not the credit card division they're working on their own taking every dime they can can from their customers
07/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 76016
Web
In XX/XX/XXXX I called the automated line with Continental Finance to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. However, in XX/XX/XXXX I received an alert through XXXX that my Continental Finance had reported me 30 days late. I immediately called Continental Finance. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and Continental Finance stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called Continental Finance and they said I am no longer able to dispute any misinformation since it has been over 60 days. I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to Continental Finance without any luck.
01/23/2016 Yes
  • Credit card
  • Arbitration
  • IN
  • 46135
Web
A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.
01/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 22315
Web
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to CONTINENTAL FINANCE as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against CONTINENTAL FINANCE in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 CONTINENTAL FINANCE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against CONTINENTAL FINANCE for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. CONTINENTAL FINANCE has committed aggravated Identity theft and is still benefiting from my intellectual property.
12/04/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • XXXXX
Web Servicemember
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
09/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 75252
Web
I opened an account with Continental Finance/Cerulean awhile back. This month I received my statement the day after the due date. I immediately attempted to call them to let them know in hopes to avoid a late fee. The number they list on their statement and on their website goes to an automated recording and does not give you the option to speak with a representative. The only way to talk to someone at this company is to claim you lost your card or it was stolen which I did and finally got a rep on the phone. I explained my situation and they told me they could not help me with the situation or remove any late fees.The only thing they could do was take a payment but I had to again use an automated system and that they would charge me {$10.00} to pay my bill. Why would any company charge you to give them money? I could not believe that based on my situation and calling them to resolve it that they would charge me to pay by bill! After several tries with the automated system that didn't work I was told I had to be transferred to a payment processing team. Upon transfer, I was hung up on, I called back, I was hung up on again, I called back a third time and again, I was hung up on. So I went online to their website to see if I could talk to someone or make a payment. Again, only phone number with automated options, none to talk to a human being. So, I just attempted to pay my bill online, entered all my information, double checked it and it would not accept it. This company appears to be predatory and seems to make it impossible to get your statements on time, to communicate with them, or give you easy options to make payments. It seems they are doing everything they can to make you late, charge you fees and hurt your credit rating. I am writing the CFPB to make them aware that this company is predatory and not operating in a trustworthy manner to warn other consumers.
11/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WI
  • 53210
Web Servicemember
Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several months.
11/29/2015 Yes
  • Credit card
  • Other
  • IL
  • 604XX
Web Servicemember
`THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!!
08/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 439XX
Web
On XX/XX/2021, I received a collections letter in the mail from XXXX XXXX a debt collector for Continental Finance Company LLXXXX XXXX XXXX Celtic Bank. The balance amount owed was {$900.00}. After calling XXXX XXXX, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. XXXX years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to Continental Finance Company with everything included. Police reports x XXXX, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all Continental Finance tell her was she had to contact XXXX XXXX. My wife called XXXX XXXX 's, they finally put an office XXXX on the phone for XXXX ext XXXX, she told my wife that Continental Finance bought back the account from XXXX debt collections due to it being a fraud case. My wife called Continental Finance and they keep telling her they can't help she has to contact XXXX debt collectors. Between the both they are just giving us the run around. But Continental Finance Company is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.
11/07/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 760XX
Web
The creditor known as Continental Finance, XXXX, and/or XXXX has reported inaccurate information on my credit reports. The creditor mentioned above reported my account with them as being 30 days past due in the month of XXXX XXXX. This information is incorrect because I made a payment of {$250.00} on XXXX for recent charges to my account that were not yet due. The only charge on my account that was due on the XXXX due date was a {$10.00} fee " MONTHLY MAINT FEE XXXX DE ''. This is confusing because I pay an annual fee to cover the servicing of my account already. In any event, the {$250.00} payment should have covered this fee. This payment was withdrawn from my checking account by XXXX XXXX on XXXX, but was not applied to my account with them. It is also worth noting that I also made a payment in the month of XXXX. I 've contacted them via phone about the 30 day late on my account and was given a mailing address. I sent correspondence via certified mail on XXXX XXXX, XXXX, XXXX, but got no response. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. On XXXX/XXXX/XXXX I sent letters out to the credit bureaus disputing the 30 day late. The creditor " validated '' the accuracy of the 30 day late with the credit bureaus. The creditor then sent me a letter requesting proof that I made the payment. I then got a print-out from my bank showing the debit from my account by XXXX XXXX confirming what I told them previously. I mailed it to them on XXXX/XXXX/XXXX, XXXX. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. I 've received no correspondence from them as of today. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this issue rectified. I am most appreciative of your services and look forward to working with the creditor to get this matter resolved.
12/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • 21114
Web
COMPLAINT AGAINST XXXX XXXX On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX XXXX account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was $ XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX.Now I see on my credit report a balance that is to be paid by them after I have already closed my account. I did similarly with XXXX XXXX XXXX and they did not come back to be stating that I owe them.
08/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NJ
  • XXXXX
Web
An agency claiming to be conducting debt collection services on behalf of Continental Finance Credit Card has been contacting numerous third parties about a debt they claim I owe. The name they present themselves as is XXXX / XXXX XXXX XXXX. They contacted my employer and asked if I could be served court ordered docs. at work. Theyve spoken to 3 different parties at my job and most recently theyve started reaching out to Family / Relatives. I contacted them directly and asked for the information about the debt they were attempting to collect, I requested to be given time to review my Credit Report in order to confirm whether or not this debt was my responsibility of if it was on my report and I also requested not to be contacted at work. They confirmed my SS # and then proceeded to tell me that I would be served with a court order at work if I did not resolve / pay off the delinquent account. I made numerous attempts to obtain an address but they wouldnt provide me that information. I called back repeatedly since they hung up on me when I continued to ask for an address & for more details about their identity / the company. My request for information was met with threats about being served at work and I was told to pay my bills and then I wouldnt have to worry about the calls. Their contact Number is XXXX ( XXXX ) XXXX The Main Lead / Representative ( person that contacted all of the ppl at my job & my relatives / person managing the case ) is XXXX XXXX. She claims to have a direct number, XXXX XXXX XXXX XXXX XXXX. These ppl claim to be doing business on behalf of Continental Finance, a credit card company that issues three main types of CCs ( under XXXX, Matrix or XXXX ). At this point, no written information / supporting documentation has been mailed to me even though I inquired about receiving actual written documentation.
06/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MN
  • 55446
Web
I have had a XXXX mastercard for a considerable length of time longer than a year. I called several months ago to ask why my payments are not being credited to my account promptly with several small and submitted payments not being credited for upto three weeks time. They attempted to point the finger at my bank, XXXX and their bill pay service. I assured them that they were issuing payments and the problem was on their end by not crediting promptly. When the customer service person was not able to make any other suggestion, she agreed that she would waive any fee related to dishonored payments if I went to my bank and cancelled the outstanding checks that had been issued though not credited to my MC XXXX XXXX XXXX XXXX at their company. Of course all the payments they claimed not to receive were finally credited to my account several days later but then dishonored when presented back at XXXX because stoppage had been arranged at the suggestion of their agent on a recorded line. To their credit they did return the returned payment fee as agreed when asked, but then began a campaign of lying on still recorded line about the status of my account. I was told a hold on the account had been placed that would be removed just as soon as I paid the balance in full with certified funds. I was told this on multiple occasions despite the fact that they had already closed my account and had reported the closure to the credit bureaus as well. I do not believe an institution should be able to lie straight to the face of this consumer or any. In addition to closing an account that has had a stellar record of payment, they jacked up the interest rate north of 30 % ( 31.24 % ) and continue to charge a $ XXXX monthly account maintanence fee despite the fact that the account has been closed by this party and is not being maintained.
08/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 763XX
Web
On XX/XX/19 I received a phone call from an unknown number. When I answered the lady on the line said that she was trying to get ahold of me because they were going to garnish my paycheck and within a couple of hours they were going to serve me papers to sue me. I called the number she gave me XXXX. A man answered the phone and stated that it was a law firm of XXXX XXXX XXXX. He told me that I owed "$XXXX XXXX in credit card debt and that if I could not pay I was going to be served with papers. When I replied that I did not know what he was talking about he started yelling that I" didn't pay my debts, and I was going to get sued". I asked if he had proof of the debt owed and he laughed and started to yell again. I hung up and they called my employer within 10 minutes. I called them again to tell them that I did not want them to call my employer anymore. A woman answered. I asked for her name and she replied, "XXXX XXXX". She answered the phone as before, "XXXX XXXX XXXX" I asked for the address of the company and she would not provide it. She told me it would be on the papers they were going to serve later that day. I asked what state they were located and again she refused to answer. I told her not to contact my employer. That all of the contact needed to be with me. She told me that I did not get a say so. That when I didn't pay my bills this happened. That it was my fault and it wasn't going away. She threatened me with garnished wages in 8 days, unless I could pay the balance then. I again said no and she immediately interrupted and she begin to yell so I hung up. She called my employer two more times within an hour. She gave my case information, told them that I was being sued, and told her "not to protect her employee". The receptionist that she was talking to told her after the first phone call not to call anymore.
06/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 32208
Web
On XX/XX/2022 I made XXXX payments of XXXX and XXXX. I was only due an amount of {$35.00}. Later that same day all of my credit cards were stolen by a student. I call all the companies to have the accounts closed and be issued new cards. XXXX told me I needed to send in proof of new address in order to receive the new card. I have since sent in the information 3 times and have yet to receive my card. I called in early XXXX to inquire about making my XXXX payment towards my account and was told by the representative to hold off until I receive the new card. On XX/XX/XXXX I received notice from the credit bureaus that my score had dropped XXXX points for a late payment. I called and spoke to another rep and he told me he could see on the screen where the other rep told me to withhold payment and we disputed the charge only to be neglected. Neglected because i was never told that the XXXX payments of {$190.00} were returned back in XXXX. Returned because they waited over a week to seek the payment. Ok I tried my best to get them to retract the 30 days late to no avail. I make a payment of {$70.00} to cover XXXX 's missed payment and my XXXX payment. So now its XXXX and it says no payment due. I have screen shots. So im trying yo get my credit score in order so I pay {$55.00} on XX/XX/XXXX which brings my account under XXXX XXXX. I receive notice today from XXXX XXXX that my score decreased. Its from XXXX. The payment in the XXXX was counted as XXXX days late even though my account says no payment due. I thought payments had to be past 30 days to be reported. I called 2 times today. One told me she couldnt hear. The second gave a bunch of information that made nothing clearer and the 3rd hung up on me. Im now XXXX points down on my credit score and would like for the company to fo the right thing and correct my credit report.
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 91606
Web
When checking my credit reports a couple months back, I noticed several unauthorized accounts now showing as negative accounts on my XXXX, XXXX, and XXXX. I knew my personal information was compromised and somebody had opened fraudulent accounts under my name. One of those accounts was by Continental Finance Co and shows a balance of {$0.00} and was closed on XX/XX/2020 ( a time where I was not even remotely looking to apply for any credit or lending products ) with a credit limit of {$500.00}, as I had my two XXXX XXXX cards at that time. So, I proceeded to quickly dispute this information on my credit reports through the credit bureaus and get them to ask Continental Finance Co to provide several pieces of documentation including wet-ink signature, date account was opened, how it was opened. All statements, transaction history, original contract, and any and all correspondence between Continental Finance Co and myself through either physical mail or email. I never knew or authorized this fraudulent account and absolutely did not authorize the opening a such an account. I have never even heard of Continental Finance Co before shockingly seeing it show as a negative account on my credit report. After disputing multiple times, they have provided no such documentation or proof that the debt is mine. If this is not resolved, I will strongly consider pursuing litigation as there are multiple FCRA and FDCPA violations pertaining to the reporting of this account, not to mention I have done everything on my end to ensure my personal information is now secure and will not be subject to compromised information moving forward. Since they have disregarded my disputes and violated credit reporting laws, this account must be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and immediately update that information.
08/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • CA
  • 90604
Web
In 2013 I open a card with Continental Finance for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''
07/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 22030
Web
Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.
10/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • XXXXX
Web Older American
On XX/XX/2022 I found out my card was over the limit. I then found out the reason, someone had used it in XXXXXXXX XXXX without my permission. They had gone to XXXX XXXX, a liquor store and bought Gift cards, as well as XXXX Parking meters. I notified the Continental Finance, aka XXXX XXXX XXXX about the fraud. I have spent hours on the phone to get resolved. I am still waiting on the replacement Credit card. Their website is NOT user friendly at all. XXXX graphics and unable to easily navigate, download and solve muchless understand the many fraudulent charges. I have used hours on the phone. Today is the last straw after being promised over and over my replacement card was being mailed only to call back days later and it has not been mailed. But today when I tried to log on I am notified " unable to grant you access at this time. Please contact XXXX Services and XXXX XXXX XXXX XXXX After calling and getting the same XXXX script from XXXX representatives I was told to call back and get try to get someone. He then puts me on hold until the phone dropped and I had to call back. I have never spoken with XXXX, the fraud manager assigned to my account. Now I learned the replacement account was flagged as fraud as well. I was told not to make any payment on the account until I get the 3rd replacement card and call back in, but I am responsible for all legitimate charges. I tried making the account and keep getting passed and find out my account is now closed and all I can do is pay this account off in full or it will be turned to collection. This has caused my credit score to drop over XXXX points. It cost me time, energy, money, physically as well as reputation. I am so frustrated. I need to find an attorney for class action as I am sure I am not the only person having this issue with them. Thanks
11/05/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 216XX
Web
I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.
09/02/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 630XX
Web
On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.
04/20/2017 Yes
  • Credit card
  • Billing disputes
  • NC
  • 28227
Web Servicemember
Continental Finance issued me a XXXX card that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from one department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over XXXX % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.
03/28/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • TX
  • 78665
Web
I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).
05/13/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • IL
  • 604XX
Web Servicemember
I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 10003
Web
Dear CELTIC BANK/CONTFINCO, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CELTIC BANK/CONTFINCO Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$500.00} written off. Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant XXXX and adversely impacting my ability to access credit and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. Sincerely,
12/22/2015 Yes
  • Credit card
  • Delinquent account
  • CA
  • 92019
Web
Continental Finance -- Verve credit card Since opening the account in XXXX 2014, Continental has regularly charged late fees to my account and reported my account as late to the credit bureaus when that has not happened. Initially, issues began when the card had to be re-issued because the card had not been received. Although, I had not received the card, Continental began charging me fees on the account. Late fees on a card that I did not have! Since that time, I have been charged a late fee each month. This account is setup on bill pay through my financial institution. I have this account setup so that payments are received by Continental at least 2 days prior to the due date and I always pay more than the minimum amount due. My financial institution has confirmed that payments have arrived as requested each month. I have noticed that it takes Continental approximately 6 days to process my payment. According to Continental, because they have not " processed '' the payment on or before the due date -- regardless of when they receive the payment, they consider the payments to be late and as a result, they are entitled to a late fee and can -- and do -- report my payments as being " late '' although the payment was received by Continental at the address as indicated on my monthly statements BEFORE the actual due date. I have never heard of a company considering a payment as being late when the payment was received in their offices BEFORE the due date because it takes them so long so process the order and do not feel I should be regularly penalized for internal payment processing issues at Continental. Continental also charges interest on late fees ... late fees that they refuse to refund. My balance due on this account is a result of late fees and not actual purchases.
09/02/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80012
Web
I obtain a XXXX XXXX from Continental Finance XXXX, making my monthly payments on time, even got an increase of credit. Well in late 2013 i received notice the current credit card was being transferred to a XXXX card and they will send notice when the new card has been sent out. I continued to make my monthly payment on time, during the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX i called XXXX in concern because i had not received the new card, i was told due to the Holidays the delivery of the card maybe delayed XXXX XXXX XXXX. When i spoke to the individual in XXXX, i could not make any payments as the account showed the balance as zero, i called in again to make the payment and they wanted to charge me a phone fee, so i we went back in front on how i do n't see as a customer who has n't received the new card to set-up the online account to make a payment should pay a phone fee. The individual got rude so i hung up. No communication from this company but today i receive a voice mail from a male stating he was on his way to my home and if i was n't in he would be traveling to my place of employment to serve me papers. He left a number and a case # but no information as to what this was in regards to. I called the number left XXXX XXXX XXXX, the gentlemen who i spoke with stated they were suing me for {$1900.00} on a so called {$580.00} balance ( which the balance should have been around {$350.00} from the last time i made a payment ) stated, XXXX had written off and sold the account to them. I have never received any communication from XXXX or this collections company so how can they immediately sue for something that XXXX was negligent in not providing the new card or account information for me to continue to make payments? Please review and help on this matter.
05/10/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • XXXXX
Web
COMPLAINT AGAINST XXXX CARD On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX card account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was XXXX XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX want to close this account but I want a clear explanation as I am totally confused. I am referring my case
06/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77904
Web
On XX/XX/XXXX, myself, my mother and ex husband were called from The XXXX XXXX in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for Continental Finance credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
08/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33334
Web
In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was Continental Finance Company. I disputed the charge and they said, it's legit. Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.
05/27/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AL
  • 352XX
Web
I have tried numerous times to resolve an issue with my account owned by Continental Finance in regards to there subprime XXXX credit card. I closed the account in XXXX of XXXX after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES. W ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off. Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case # XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call XXXX again to get an update. I still got the run around. So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since XXXX damaging my credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.
09/28/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • XXXXX
Web
I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017, will be last payment until resolution is made which I stated before.
07/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • XXXXX
Web
Continental Finance LLC, account ending in XXXX

A dispute was filed for a charge in the amount of XXXX, XXXX on or around XXXX XXXX, 2017. The item, a Mens XXXX watch, was not in package when received. The merchant provided a response which was not received in time for me to respond in the allowed time frame. The dispute dept advised me to go ahead and reply to the merchant response once they emailed me a copy of it. The merchant response is false/inaccurate as it refers to an order sent out in XXXX of 2017, a month BEFORE I placed the order. it was shipped to a XXXX XXXX in XXXX, NY. My name is XXXX XXXX and I live in Connecticut, obviously, this information is false and inaccurate as previously stated. I do not believe I should have to write in a detailed letter to disputes dept explaining these inaccuracies, however, I did so anyway and response was received on XX/XX/XXXX. It was not received in time as again, I did not receive the information in time to respond by due date. The case has been closed in favor of merchant even though I did not receive item. I 've attempted to resolve matter with disputes dept, however, reps refuse to do anything further. I believe they should have seen the info provided from merchant is false and inaccurate and do not need me to write to them stating so. I refuse to pay this charge and needs to be credited OFF the account. The merchant also references a replacement XXXX watch, which is not what I ordered and was placed a month BEFORE the charge on XX/XX/XXXX. The bank has been making numerous harassing collection calls due to a missed payment, the bank account information provided for auto pay had to be corrected, I believe a number was missing from account. They also need to stop calling me

10/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AL
  • 352XX
Web
I am in the process of buying my first loan and recently discharged from bankruptcy on XX/XX/2018. My mortgage company discovered that the company XXXX XXXX has a lien against me dated XX/XX/2018. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Alabama XXXX ( a debt collector ) for XXXX XXXX , XXXX. They filed a small claim with XXXX county XXXX in the amount of XXXX. I do not know anything about this bill. I believe my identity has been stolen because this debt is not listed on my credit report. XXXX XXXX is the debt collector representative and she says that it is for a XXXX Credit Card and that I used it at XXXX and for XXXX XXXX. I have not had XXXX XXXX in 7 years. She asked if I was still in bankruptcy and when I told her I was discharged she said I had to pay the bill. She did not give me any dates of these charges or a copy of the bill. The address on the lien notice is my prior address but I did not have XXXX XXXX. I had XXXX XXXX briefly and XXXX and the internet provider. I have left many messages for her call me back but have not received any answers. She did provide me with the creditors name as a XXXX Credit card, and their file #. When I called Continental Finance, they refused to talk to me stating that my account was sold t XXXX XXXX. I don't believe this is my account and if is I never received a statement and the charges are not mine. From the XXXX charge, this date of the charge is prior to me file bankruptcy and this bill should have been settled through the bankruptcy chapter XXXX. I can not get in contact with XXXX and they are never available to discuss this nor have they sent me the needed information to verify whether this is a true bill. I need this cleared up asap or I will loose my FHA loan.
05/02/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92346
Web
Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date XXXX . Payment mailed XXXX . Payment sent first class standard envelope without tracking from XXXX XXXX XXXX to XXXX XXXX . Payment should of easily been received by Friday the XXXX . I called the bank on XXXX at approx. XXXX in regards to this matter and spoke to an agent named XXXX . Bank agent XXXX stated a late fee waiver was requested and issued back in XXXX XXXX XXXX and another could not be issued. I stated to him the reason for last years late fee waiver request was because USPS tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the XXXX .
06/17/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30117
Web
SUPPOSED " TRANSACTION '' : Date : XXXX / XXXX / 2016 Amount : {$490.00} XXXX Processor : XXXX XXXX XXXX ( illegitimately claimed " sale '' through fraudulent website - XXXX ) Neither XXXX / Continental Finance nor this continually unresponsive " entity '' identified what was supposed transacted on my card by either them or the associated fraudster. The initially attractive {$500.00} card limit -- albeit a whopping {$100.00} processing/activation fee -- that I chose to help build my credit is indeed issued by the indisputably most horrible financial organization in the worl d, Continental Finance. Their management and incoherent representatives ( see " SurgeDisputeOperationsEmail '' attachment for the absurdity of the representative in closing my card / resolving my claim, in which she even deleted one of my email requests having a receipted opening ) have solely prompted serious issues in getting, not only this charge cleared from my account, but now the late fees more than {$300.00} due to Continental Finance 's asinine interest rates and holistic financial insecurity. Now, I wake up every morning wondering how this institution ( whom offers XXXX different bogus credit cards! ) is even permitted to operate in the United States or any country for that matter. They are not interested whatsoever in helping Americans es tablish credit with the XXXX major bureaus. Continental Finance is out to pillage every red cent they can from their unfortunate customers that are experiencing the same indescribable problems as I. Please do yourself a kind favor and run as quickly and as far away from these crooks as fast as you can before you inevitably end up with a catastrophe like I am dealing with.
01/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OH
  • 44143
Web
The week of XX/XX/XXXX I have been in contact with this collection agency who I believe is a law firm but they did not clearly identify themselves ; they are XXXX XXXX XXXX (? ) I believe and they are trying to collect on a debt they say I havent paid on since XX/XX/XXXX. The debt is a credit card called " XXXX '' which is provided by Continental Finance. When they first contacted me they left a voicemail saying there was a litigation pending against me and I needed to call them right away- I called them on XX/XX/XXXX I believe to find out what the debt was and then they explained it was for the XXXX card and if I did not pay up right away that they would go ahead with the litigation and garnish my wages ; I have not received anything in the mail about any proposed litigation or court date, nor have I received anything in the mail to show what my current debt amount is. The first time I spoke with them they asked for {$100.00} right then and there and as I said this was not my pay week they didn't care as they then said I could pay {$500.00} on Friday of this week ; when I spoke to them today XX/XX/XXXX, I reinforced the fact that I did not have the money to pay but I could possibly give them {$500.00} by Friday if they can email me a statement of the details of my debt ; they said they were unable to do that and they were not going to do that because it's an old debt so it doesn't matter anyway. The collection agency representatives were very rude and harassing and accusatory ; they have called my job multiple times which I would like them to stop doing and they have not started with any garnishment which has been confirmed by my payroll department, but they continue to threaten that. Their contact # is XXXX
12/03/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NM
  • 87121
Web
I had a credit card with Matrix who sold to Continental Finance. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was XXXX and had to go through XXXX. I got behind and filed my creditors with XXXX XXXX XXXX, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took XXXX or XXXX payments from my account. I planned on {$45.00} begin taken from my account on the XXXX or XXXX payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the XXXX or XXXX payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
11/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95037
Web
Verve platinum credit card services charged me with three XXXX $ late fees starting on XX/XX/2023 to XX/XX/2023. All of the min amount due monthly payments were made on time for this month. When reaching out to the credit card company they stated that my account was set up to pay a standard amount of XXXX $ per month. I do not recall submitting this at any time and they can not provide a statement or any documentation of when this may have been done. Then in XXXX when my balance was due of XXXX $ and some change that whole amount was taken from my account, at which time I called and was made aware of the information I just stated since I was making payments on time and did not check my account for a few months since I had set up recurring payments. At that time I asked them to provide me with a statement showing the change I have made for them to legally process payment for the XXXX $ since it was not the XXXX $ amount they stated is the payment arrangement I set up. They told me they do not show of me making that change and can not explain how or why it was done. I let them know if my min amount due changed previously why at that time before charging me with XXXX XXXX $ late fees totaling XXXX $ would they not take out the min amount due instead of the standard payment they say I set up of XXXX XXXX They could not explain this as well. At this time I have asked them to close the account to no longer acurre fees but I am still paying for these fees as well as the late fees. I asked them to open a claim and that my fees should be waived since I did not authorize any change or the increased amount to be taken from my account but they have failed to do so. At this time I need help in resolving this account. Thank you
09/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 78665
Web
XX/XX/2021, I tried to log into my XXXX XXXX card account at https : XXXX. When I went to log in, it stated " Were sorry. Due to the status of your account we are not able to grant you access at this time. Please contact our Cardholder Service department at the number on the back of your credit card. '' I did just that. They went on to tell me the card was reported lost/stolen and couldn't say by whom. I DID NOT report this. They went on to say another card will be sent to my address. I was like ok. Weeks go by, NOTHING. I called back and they said the account was reportedly opened fraudulently. I went on to tell them, I was the one that opened the account and there was NOTHING fraudulent about it. After another call, I was advised to call and speak to XXXX at XXXX ext XXXX. After a week, I was able to speak to him. He stated it appears the account was opened fraudulently. I advised I approved this application and applied for it. He was confused. I again told him I applied and wanted this account as I have made purchases and made payments from MY bank account already. He said great and was going to close the fraud investigation and to call customer service back to get a new card sent to me. I called them back, they said they can not reopen the account as there is an investigation. I advised it was just closed by XXXX. Nothing they can do. Was also told to fax a letter stating I applied for the account and there is nothing fraudulently with a copy of my drivers license and SScard. I did just that to XXXX. Still no reply. Weeks have gone by and no-one is helping me. It shows as CHARGED OFF on my credit. I am willing to pay this account. I would like for it to be reopened so I can continue my business with them.
06/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 31768
Web
I've been fighting with Continental finance company for over a year about fraudulent activity on my XXXX XXXX account. I've reached out over and over. Every single time I get someone on the phone, I have to explain the situation all over again. Each rep promises to investigate and get back to me, or escalate to upper management. I don't hear back from them. They reported my account 60 days late and my score across all bureaus took a 40+point dive each. I've called and complained and each time they promise to get back with me within the week, but I never hear back from them. Every investigation reported concludes that it's individual responsibility, even though they have definitive proof it wasn't me who made the purchases. I'm currently making the minimum monthly payment to protect my credit. I've been paying on this account since before the fraud was committed and I'm tired of paying for purchases plus interest, someone else made. I asked about consumer protection and fraud liability that's suppose to be automatic, yet they allowed info on my account to be changed including personal address and payment account number. They won't fix the problem. Instead they lie and string me along and i Personally feel like they're going to drag this out until I end up paying the bill in full then close my account. They told me to keep making the minimum payment and once the investigation was done, I'd be refunded any money I paid in. This was of course after they reported my account being 60 days late which was a result of fraud as well. they also promised to remove that but it's still showing on my credit report. I feel helpless and out of options. I'm not sure what else can be done except take them to court.
10/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89506
Web
I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? XXXX XXXX We aren't harassing you. Calling is part of our job. I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.
10/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11373
Web
Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with Continental finance ( XXXX XXXX XXXX XXXX ). I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX and XXXX ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called Continental finance ( XXXX XXXX XXXX XXXX ) right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. I waited over two months and never received anything from Continental finance ( XXXX XXXX XXXX XXXX ). I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waited another month and called again on XXXX then finally a fraud department agent stated that they're still investigating and may take another month. It's been over 4 months now and XXXX or myself didn't hear or receive anything. This fraudulent hard inquiry is hurting my credit score. Please help me remove this fraudulent hard inquiry on my credit report. Thank you
07/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 064XX
Web
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, Target breach and IRS breach. I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.
01/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 98201
Web Older American, Servicemember
I got a credit card through XXXX XXXX 's insistence that it would help my credit. The card is called, XXXX ' from Continential Finance . From the first moment I received it, it has been laced with problems that seem fraudulent because they try to extort more money than they are owed by their Customers. They are quite good at it. My first payment was {$99.00}, they withdrew from my bank XXXX payments of {$99.00}, on auto-pay but it was MY fault. I had to call and fight with them to refund XXXX payment. Since then, I have had to call them every single month after I've made a payment because something is always incorrect! Wrong amounts, always to the detriment of myself. This month however was the straw that broke the camels ' back. I prefer auto-pay, ( which comes out of a checking account ). I wanted to change that information to a new bank & I went to the account page at XXXX XXXX 2 weeks before my payment was due in hopes all information would sync by my payment. ( Their accounts page won't allow you to select more than one bank for auto-pay ). I always pay my entire bill each month, this month my balance was {$180.00} to come out of a XXXX XXXX checking account. That amount came out and so did a {$35.00}, ( minimum payment. ) from my XXXX XXXX account!! It made that account go to NSF status. It's constant with this company. I have noticed they change information on my accounts page such as dates, and dollar amounts and have deleted a month or two payments, which always return in time. I would say, " As if cooking the books! '' I spoke to a Supervisor today about refunding the {$35.00} along with {$25.00} NSF fees. Help, I know I'm not the only one they're doing this too.
03/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 06320
Web
There are two outstanding fraud charges still unresolved with XXXX card, the amounts of {$370.00} from XXXX, {$350.00} from XXXX. A prior CFPB complaint was filed in re, unresolved, the account shows both charges re-billed, nothing received from either merchant.. Prior, I left several messages for a XXXX at XXXX, ext XXXX. A total of three messages were left, none returned, no one picks up when extension entered, messages are not returned. I was able to get one of the charges refunded, as per an email received from merchant, XXXX. Ive checked the account and do not see credit posted, it might have been refunded as a charge back in which case their disputes team might want to check into it..Most recently, I've been emailing a XXXX in fraud XXXX her email today shows a trade in device which was sent in to XXXX, their reps claim it did not pass inspection, it was in fact reinspected and passed in which case no charge back for it.. XXXX appears confused, claiming the XXXX charge is for the trade in device when it is not ... The trade in device was sent in several days after charge appeared, charged back since the ordered device, a XXXX did not arrive, reps later agreed to refund charge ... I wish to point out as I have in prior CFPB complaint, it is not my job to work out such charges directly with merchants, it is the fraud/disputes dept to do this ... They do not accept or return calls either which does not help in resolution to these charges.. My last email to XXXX stated she can reapply charge, however it will not be paid and again, XXXX agreed to refund prior ... As for the XXXX charge, that will also not be paid, I emailed in re as well, have not heard back as of yet..
09/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89169
Web
I have a XXXX XXXX through Continental Finance ( XXXX XXXX ). There was a data breach at the company that caused them to want the card frozen. Unfortunately, and through no fault of my own, their computers never shut the card down and I was able to continue making purchases on it. One day, after checking my account details, I noticed purchases having been reversed. In addition, there was a 60-day delinquency being reported. I called Customer Service with regard to the matter, and a manager named " XXXX '' called me back the next day. He explained that, in their error, the card was never shut down as they wanted it to be. A new card had been sent to my old address and returned to them as undeliverable. XXXX assured me that all would be taken care of. They would send me a new card, to my current address, and would also remove any and all derogatory information sent to the credit bureaus. This was in XX/XX/XXXX. Last week, around XX/XX/XXXX, my credit monitoring notified me of another 60-day delinquent notice that had been sent to the credit bureaus. In addition, an " over the limit '' indicator was there. This, combined, caused a 70-point decrease in my score. I called Customer Service and they reiterated the conversation I had with XXXX in XX/XX/XXXX. It was confirmed that I had faxed in the necessary information to have the new card sent. However, I was told that they would need to confer with XXXX related to any reversal of late fees and also any removal of negative information to the credit bureaus. I was told XXXX would call me " right away '' but no word from him at this point. Continental Finance indicated this was their error and they would be happy to fix it.
05/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 20602
Web Servicemember
In the middle to end of XXXX I had numerous of unwanted /unknown charges to my checking account. My bank took some time to refund me some of these charges but not all. So I set up a payment for my credit card on XX/XX/2023 XXXX and it was returned due to not having all the funds returned to me by my bank so I initiated the payment again for XXXX on XX/XX/2023 and the payment was returned again due to unknown charges to my checking. I resolved the issue with my bank and had the funds back in my account. So I Initiated the payment for the 3rd time on XX/XX/2023 and it went through and processed. I spoke to a representative with the XXXX XXXX XXXX company and she states she didn't see that payment on the account and that I needed to send them my bank statement to show a payment was made. So a week later I spoke to another representative she states she sees where the payment goes through. Of course I incurred late fees do to this debacle. So I proceed to check the app and after the payment was credited it says I had a payment do for the following month of XXXX and I made a payment of XXXX on XX/XX/2023. A few weeks later I received a ding on my credit report that I was marked 30 past due or missed payment with this XXXX XXXX while I'm continously making payments. I'm making payments and still receiving late fees so i feel like I will never get to pay this card off because of unnecessary compounding fees. I've spoken to numbers of representatives and they state they can't help me because that was a system generated problem and that they will refer me to the back office to have them look at my statements but nothing has been done. Please help! I feel this is very unfair.
01/13/2016 Yes
  • Credit card
  • Other
  • PA
  • 186XX
Web
my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to charge off
06/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29680
Web
On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from XXXX that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this
04/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33055
Web
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX RE : XXXX XXXX Dear XXXX XXXX XXXX, & XXXX XXXX, I hope you're having a great day. My name is XXXX XXXX, and Ive been a customer of Continental Finance since XXXX. Ive enjoyed doing business with your company, and have had many positive experiences over this time period. XXXX writing because when I checked my credit report, I noticed it contains a 30-day late payment posted in XX/XX/XXXX. My credit score has plummeted from a high of XXXX as of XX/XX/XXXX down to it's current low of XXXX as of XX/XX/XXXX. I dont want to dispute the accuracy of this report, but I do want to explain this one-time lapse on my part. I recently switched to online billing, and this caused me to accidentally overlook my bill and miss making the payment that was due on XX/XX/XXXX. I recently have been dealing with a Covid-19 financial hardship of having our families personal home sued for Foreclosure by our current lender. Recognizing the life-altering power of credit information and the impacts it can have on the less vulnerable. The FCRA and several federally backed agencies are asking credit card companies to work with individuals seeking a one time late payment exceptions for a cardholder that's been financially impacted by the corona virus. I was facing the prospect of missing payments as a consequence of income loss during this pandemic. I have since regained my financial footing. I was hoping there would be a good chance Continental Finance is prepared to work with me and remove this one time 30 day late payment. Warm Regards, XXXX XXXX # XXXX XXXX # XXXX SS # XXXX XXXX # XXXX
01/31/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 762XX
Web Older American
I have been a long time customer of Continental Finance regular XXXX. In XX/XX/XXXX, I set up automatic payments for over double the amount due ( {$35.00} ), in the amount of {$75.00}. This went along fine until XX/XX/XXXX when for some reason UNKNOWN to me the company changed their statement date. This somehow altered my due date, which began the string of late fees charged to me from XX/XX/XXXX through today, XX/XX/XXXX totalling {$170.00}, plus the interest -- plus they are also reporting me to the credit bureaus as being late. I manage this card online and since I had the double autopayments going out each month, and I rarely use the card and keep a small balance, I never thought to look more closely at my statements. This late fee kept accruing even though I made double payments regularly each month on the XXXX. Today I spoke with XXXX XXXX at Continental Finance. It took her some time to figure out what happened then she explained to me about the statement date changing in months with 31 days. I could not believe this explanation or this policy. She said she handed this over to her floor supervisor XXXX XXXX who told her there was no way they would pay all these late fees back. should would not let me speak with XXXX XXXX nor would she give me any contact information for him or XXXX XXXX, but did give me the fax number : XXXX. Here is the main customer service number for the company : XXXX I am attaching copies of transaction details as well as my autopayment setup and list of autopayments and when they occurred. At this time I do not know if I will be refunded anything, or if their credit reports will be withdrawn.
01/18/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • NC
  • 27870
Web
A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.
05/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34471
Web
I am now XXXX XXXX XXXX on XXXX XXXX still throughout my whole XXXX due to XXXX. I called all credit card companies letting them know my situation of why I wouldn't be able to make a payment until I could get well from being XXXX and contracting the XXXX XXXX being put on XXXX XXXX with a XXXX year old son while I'm extremely sick and unwell. I've always paid early keeping my balance very low. I was assured everything was well and to call and make a payment as soon as I was well. I called twice in two days once I got better and had paid in full to a {$0.00} balance on all credit cards. I asked for the late fees to be taken off and also for it to come off of my report of credit, to no avail did they help me with my credit report, after being told that everything would be fine and to focus on the health of me and mXXXX XXXX XXXX and my XXXX year old. Me and my husband were in the home buying process and with all of these late payments on our credit our daughter is about to be XXXX and we don't even have the credit to get our home I advised them that I could provide any documentation from Doctors hospitals bank statements anything that they needed and so please contact me to provide anything that they would need to know avail. Please help me. Me and my husband are trying to buy a home for us and our children and we can't because of the hit that my credit has taken is so bad with these late payments I asked them for them to be removed because they said in the beginning that I wouldn't be charged any but I still was if you can please help me I would greatly appreciate it thank you very very much God bless you
10/23/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • AZ
  • 85251
Web
I applied for a Cerulean Credit Card through continental finance. I was pre-approved for a {$1000.00} credit limit and I needed to provide the documents verifying my identity. I had provided all the documents that were requested from me. I then called to verify they received the information. The first agent I spoke with advised I needed to reapply. So I did, the application was denied due to a duplicate application in process. So I called back to continental finance to speak with an agent again. They had advised that the previous rep was incorrect and I did not have to re-apply because I still had the original application in process. I verified they received my information that was uploaded to their website. They advised I needed what for the back office to get me a decision. I waited a few weeks then decided to call back. They advised that the back office was still waiting for the decision. I waited an additional week then called back a XXXX time and was told the application had expired and I need to reapply. They advised that I did not send in all the requested information which was incorrect. I asked to speak with a manager. The manager verified I sent all the documents and they stated they will look into it and see if they can get a decision. I never received a call back from a single person and never received a decision on my original application. No letter or verbal communication. I have only been told to just reapply. I most recently called on XX/XX/23 and was told they are still waiting on a decision. This bank has clearly dropped the ball and has not given a decision within the 30 day requirement.
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32216
Web Older American
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MD
  • 21206
Web Older American, Servicemember
I called Continental Finance card service On XX/XX/XXXX when I have discovered credit card fraud on my XXXX card after I made a {$700.00} payment to pay down my debt on the card and XX/XX/XXXX. When I went to check on my account and payment information on Sunday the XXXX was when I realize that all of these out of town charges were found on my account. There is only one purchase ONLY that I made on my card that was on the XXXX to buy perfume for {$100.00}. I realize that when I checked my wallet that I lost the card from my possession. I have fraud charges from several states and holds on my account from an XXXX XXXX, a liquor store, and a XXXX hold in on XX/XX/XXXX in place. The false charges were for XXXX for XXXX in XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX in XXXX for XXXX, XXXX in XXXX for XXXX and another charge for something else for XXXX dollars. Charges were made on my card on XX/XX/XXXX, XXXX, XXXX, XXXX and the XXXX, I live in XXXX XXXX and I am a partially XXXX XXXX XXXX XXXX XXXXn who does not use my card much and these charges are not mine. I know no one in any of these states and DO NOT eat at any places like these at ALL!. I want my money refunded back to my account because I paid XXXX dollars to reduce my debt on the card and then someone go and accessed my card. I did make a police report in the county where I live here in XXXX XXXX Maryland. All of these charges are from out of state where I have never been which is in California and Texas. They also sent me a replacement card that I have not activated until they return the fees that were taken from me.
11/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 07055
Web
I just got a XXXX MasterCard with a {$500.00} credit line and they took around {$120.00} immediately so your available line is {$370.00}. That is terrible but not even the worst of there service policies. XX/XX/2018 I made a payment of {$35.00} using their website and set it up has a checking ACH. My balance owed before this transaction was {$510.00} overdrawn due to their fees they took from my account. The {$35.00} payment did not even post to the card until XX/XX/2018 and it only reflexted in my owed balance but still not available. My balance on their screen was {$440.00} but my available balance was still in the negative. I asked for a direct debit from my checking and it takes 7 to 10 days to become available? You have to call and pay a fee of {$10.00} to get your funds sooner than 7_10 day 's. You can not even set up a reoccurring monthly debit using your debit card and I mentioned any payment using a checking by any way takes 7-10 days to become available. The only way to get your funds available is to call and pay a {$10.00} Fee!!! This I believe is a violation of the funds availability act and other acts as well as being one point from a scam. This company should be audited by the correct authorities to see how they are violating certain acts. I want my balance to be XXXX and wiped out by them. No reflection on my credit and close the card as per my request and have no negative reflection on any of my credit reports or I will go public or escalate this to a higher authority. All I said is true so there is no chance I am commiting a defamation or Libel offense against them
08/16/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • XXXXX
Web Servicemember
Verve violated the SCRA and FCRA by failing to place the account in SCRA status when I entered active-duty service, revoking my credit line, and providing negative information to a credit reporting company. After multiple attempts to get Verve to put my accounts in SCRA status, Verve charged off my account in XX/XX/XXXX. In XXXX, I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX and hired an attorney to send a letter to Verve to get them to comply with the Federal/State statue. Verve then retroactively placed the accounts in SCRA status and issued a credit leaving a balance of {$540.00}. However, Verve refused to accept responsibility for their role in charging off my account, which harmed my credit report. Verve 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required Verve to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Verve only agreed to retroactively limit the interest rate and refund me checks after I hired an attorney to send a letter and filed an official CFPB complaint in XXXX.
04/09/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • FL
  • 34654
Web
In XXXX I applied for a " VERVE '' credit card through XXXX, XXXX, MO. On XXXX/XXXX/15 an account number was given to me. On XXXX/XXXX/15 the card was activated and an upfront {$35.00} activation fee had to be paid before they would activate the card. The {$35.00} activation fee cleared my bank on XXXX/XXXX/15. On XXXX/XXXX/15 I made a {$100.00} payment on this account through my checking account but accidentally I left out XXXX number and the payment was returned. I did resubmit the payment on XXXX/XXXX/15 that cleared my bank account on XXXX/XXXX/15. My " VERVE '' credit card was placed into a revoked status on XXXX, the same day I made the payment, giving the customer service rep the corrected bank account number. I called " VERVE '' customer service on XXXX/XXXX/15 asking to explain this to me and I was told that I had to resubmit another {$100.00} payment by guaranteed funds because of the XXXX payment issue. Even though they received my XXXX payment on XXXX/XXXX/15 with a bank confirmation number, they requested another payment before my card would be re-activated. So, my account was revoked and I still have to pay the {$120.00} activation fee for a card that was used 1 time, and I only had for 2 months. This company has many bad reviews on the internet and they should be investigated for they way they conduct business. People, like myself, looking to re-establish credit do n't have many options and I feel this company takes advantage of people like me. Basically, I had to " give '' this company {$120.00} of my money and go through drama unnecessarily.
10/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web
I called and spoke to XXXX customer representative on XX/XX/2021 and informed them that I havent received any statements and that the balance is incorrect because I havent made any purchases on this card in the last five months. I told them I need them to send out all the statements so that I can dispute these charges because they were fraudulent. The representative stated that I couldnt do that until they send out a new card I repeatedly told the representative not to send another card I wanted the account closed as of XXXX XXXX when I placed the call. They did not close the card the added XXXX fee to the card left the account open and opened a new card account took my auto payment off which caused a missed payment and they reported on my credit file. Which is totally wrong I never told them to stop my auto payment this has drastically affected my credit profile negative! They continued to report that the card was opened and over the limit because they added a annual fee of XXXX to an account that I asked to have closed immediately! The behavior and response from XXXX is horrible! My account has always been on automatic payments never ever a missed payment until they changed my card to that new card which I told them NOT TO DO!!! They have not given me any statements other than XXXX they gave me a claim department number and no one ever answers or responds to calls they gave me this name and number XXXX claim number XXXX however she never calls back about the claim this has ruin my credit during an pandemic when I need it the most .... unacceptable
03/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36695
Web Servicemember
On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX Associates never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and XXXX ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.
02/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 27405
Web
I was approved for XXXX Credit Card and received the card a few weeks later than promised. After receiving the credit card and getting everything set up with mobile app and auto payment, I noticed the amount of the credit card was reduced by {$150.00} instead of the {$75.00} fee that they outlined in my " Account Opening Disclosures '' documents. ( I have attached them for your review ) The annual fee was suppose to be {$75.00} initially, and my starting available credit was to be {$1100.00}. But what I am seeing is that they have charged me {$150.00} and my starting available credit is only {$1100.00}. ( Note that I have not used the credit card for any purchases ) I called on XXXX XXXX, 2023 at appx XXXX and spoke to a XXXX XXXX I explained the issue with XXXX and she told me that she did not understand why my available balance was not correct and that she was escalating the issue to the back for them to review and correct. She also said it would take about 48 to 72 hours to correct. I waited until XXXX XXXX, 2023 and checked and noticed that nothing had changed. I called a second time on XXXX XXXX, 2023 at appx XXXX and spoke to another XXXX who stated that she could see the issue and the notes from my 1st call. She stated that she was escalating the issue it should be resolved in in 72 hours. So today I have checked my account again and the issue has not been resolved. At this point I feel that they are giving me the run around. I have attached the document that shows exactly what my credit limit is and what the annual fee should have been.
10/27/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89107
Web
I have had this card for a awhile the XXXX card with Celtic Bank since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. Please confirm : do you carry a balance on this card every month? We'll tailor the advice below based on your answer. Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
12/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 344XX
Web
First incident was on XXXX I received in the mail a Surge Master Card from XXXXContinental Finance that I never applied for and immediately contacted the company and cancelled the card on that same day. Was a pain to get it cancelled and they would not provide a confirmation number of cancellation/closure but assured it was. They did give me the operator code who did this as XXXX. After that was done I filed a complaint to FTC Report number : XXXX and wanted them to be aware that this company is is allowing fraud to happen. Then I signed up for XXXX and I froze my credit with them, but didn't do the other XXXXwo as I wanted to monitor. As of today XX/XX/23 I got a second new credit card from the same company that I didn't apply for and of course during the holidays they were closed for me to call and cancel so I will try and call them ASAP Monday to do, so but either way someone is committing fraud big time with my information and it wasn't me and now I'm worried this will get worse and I can't afford to pay for credit screening services monthly for all three and I need this company to be made liable to allow this and remove / black list whatever needs to be done get my name off their records 100 % because now I don't trust that they are a legit company and have actually cancelled/ deleted me out of their system. I also think others are having the same issue I am with this company Continental Finance XXXX XXXX as it looks like they don't care period as case in point a new card was sent to me today and it wasn't me requesting it.
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 600XX
Web
Account # XXXX - XXXX XXXX/Continental Finance On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX/Continental Finance has not been updated. I contacted XXXX & XXXX on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX Alert reflecting that the amount was taken from my checking account. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX & XXXX and was told that XXXX XXXXContinental Finance has informed XXXX & XXXX that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX today. XXXX has updated this account has paid on my credit report. I would like for the XXXX XXXXContinental Finance to request removal from all three credit bureaus. If they are unable to, I would like for them to inform XXXX and XXXX that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, XXXX XXXX Letter , & Police Report from the fire is attached.
10/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IN
  • 46235
Web
I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
06/06/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 91101
Web
I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.
07/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55305
Web
*** THIS ACCOUNT IS CLOSED *** RE : XXXX XXXX XXXX XXXX XXXX/Continental Finance CFC- Correspondence XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I XXXX is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to XXXX actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with XXXX who is advising this is being furnished actively by you, even though this account is closed with a XXXX balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX and XXXX still shows this as being actively reported when it is closed and paid.
10/08/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • NV
  • 89117
Web
On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.
06/07/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97015
Web
I received a voicemail from a private number XXXX/XXXX/16 at XXXX. She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.
01/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33604
Web
I have contacted Continental Finance Company several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. Continental Finance Company acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. I have spoken with 5 representatives at Continental Finance Company since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. I have sent in written statements via both mail and fax to Continental Finance asking that the XXXXXXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). Both my XXXX and XXXX are showing this account as late, when it has never been late. I have also contacted XXXX and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.
08/23/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • SC
  • 29577
Web
This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD. They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.
02/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 65802
Web Servicemember
My credit report reflects an account " Continental Finance '' in the amount of {$740.00}. I have ZERO idea who this is. I have, at no point ever, opened an account with this company. I disputed the item with XXXX and froze my credit and after hours of trying to get ahold of this company, talked to " XXXX '' who was to dispute this claim and report it as " fraud. '' I literally have no card, not a complete account number ( the one on the credit card is absent of the last XXXX numbers ). XXXX " investigated '' ( laugh laugh, cough cough ) and determined this was indeed my account. Strangely, this company has my mailing address as XXXX XXXX XXXX, XXXX, NY ( never been there, know absolutely nobody there, I reside in XXXX, MO ). Clearly, somebody isn't doing their job. Had real eyeballs been placed on this investigation, it would have been determined that I DO NOT OWN THIS ACCOUNT. This has been a nightmare. A literal nightmare. I'm exhausted. I have a child with a head injury and the time spent trying to fight this is unnecessary if people would do their jobs. At this VERY moment, I am on the phone with " XXXX '' from Continental Finance and she is emailing the statement of charges ( that aren't mine ). She's putting me through to the fraud department again, which won't matter. PLEASE HELP ME. PLEASE. Somebody with real, viable organs needs to investigate this. Not an electronic robot ... .by the way... .it 's XXXX getting through to this company without account information.
01/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NH
  • 031XX
Web
I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/2018 claiming that he was with XXXX, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not XXXX ( where XXXX was calling from ). I tried to contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from XXXX played that my call was not able to be connected. I XXXX XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( XXXX ) in the past and now they are threatening garnishing my wages.
01/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 902XX
Web
I have been a Continental Finance XXXX Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and Continental Finance reported me being 30 days past due for thirty-five dollars ( {$35.00} XXXX. Continental Finance had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.
01/25/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • DC
  • 20032
Web
I had a credit card debt with Continental Finance Company that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then XXXX brought the debt for the same amount. XXXX sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. My account with XXXX # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. XXXX looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/24 to open a dispute to contact XXXX to update this as paid and satisfied. On XX/XX/24 I contacted XXXX Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, XXXX informed me that they had no information or could not give me information regarding the status. If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.
05/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19403
Web
To explain this concisely- in XXXX I received a random credit card in the mail. When I called I was told it was merely an offer which I later learned was incorrect- as it turns out an existing account had been sold to their company. Since that time, they could not locate my XXXX payment and assessed a late fee. Both were later corrected however a second late fee then posted in error on XX/XX/21 and suddenly theyre trying to say that I am a payment behind which is not true. My invoice correctly shows a payment of {$35.00} due however, when I logged on to pay it, it mysteriously indica that {$35.00} was past due was a total due of {$70.00}. Not accurate. I have since paid {$35.00} ( for my XXXX payment. ) They have corrected my late fee but today I received a letter from XX/XX/21 ( the date the late fee posted ) that a payment was returned for insufficient funds. This never happened. Totally false. No payment was ever returned for insufficient funds. Everyone you get on the phone says something different. I have to start from the beginning each time. No one calls back. A person who isnt on top of their affairs and/or who isnt savvy in handling problematic issues like this would easily fall victim to the myriad of false information presented by this company. Whether their business practices are purposely deceptive or they are just truly inept, there is a huge problem with the way this company does business and it should be looked at.
05/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WA
  • 983XX
Web Older American, Servicemember
This is a continuation of the same complaint # XXXX for the same company ; Continental Finance . Now, I discover they have closed my account with no mention of it whatsoever, even though the account is still online and I am able to access it. The company will not even tell me why it is closed. Unbelievable. They just took my payment of {$100.00}. This has negatively affected my credit as XXXX is showing I now have less credit accounts. This company has had it out for me from the beginning with mishandling and manipulation and I believe this has veered well into criminal fraud and gross mismanagement and manipulation in order to obtain higher profits. I have been working with a company rep on this and he made considerable changes to the account on my behalf. I thought it ended there, and I just kept making my payments. Then, surprise, I see my account with them is closed. Well, sort of closed, they are still taking my payments. I would like to pursue this in court. I would like to know how to do this. Credit card companies should not be able to act like this. Do NOT get a credit card from " XXXX '' or Continental Finance. That would be my advice. Or, you can, and just take your chances whether they will mismanage your account as well while damaging your credit. I have screenshots, history, email conversations to prove my every statement. I am done, they need to be held accountable. I want to see them in court. XXXX
02/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 75074
Web
I have a credit card with XXXX ( XXXX XXXX ). I have my payments automatically deducted from my bank account every month on the XXXX. My account was paid in full on XX/XX/2022 for the amount of {$120.00}. On XX/XX/2022 I logged on and it was not showing that the payment had been applied ( even though it was deducted from my bank account on XX/XX/2022 ). I was going to be applying for a mortgage and needed my credit card balances at XXXX so I made another payment for {$120.00} on XX/XX/2022. I assumed the other payment didn't go through and that they would credit me eventually for both payments. Today, XX/XX/2022, I logged into my account and my statement showed that both payments for {$120.00} were on my account but they didn't credit my account for the one made on XX/XX/2022. I called the credit card company, spoke to a csr and he agreed that the payment " was lost in their system ''. I waited an hour to speak to an account specialist who refused to do simple math and see that the second payment wasn't applied to my account. She seemed very confused and kept saying that I had a BALANCE of {$120.00} going into my next billing cycle even though I pay my balance in full every month and it even shows that I don't have a balance, but actually a credit. She refused to help me and I told her I wanted to close my account and I would be pursuing help to get my money back. She closed my account and told me that I needed to pay the balance.
11/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • XXXXX
Web
Contintental Finance Company claims I owe a total of XXXX. A charge in the amount of XXXX to XXXX on or around XXXX XXXX is in dispute, Continental Finance refuses to work out a resolution which does not require me to pay this charge for item not received. The merchant, XXXX, provided a response which contained false/inaccurate information such as shipping date, item ordered, shipping address as well as person signed for package. Their reply mentions an order placed in XXXX, a month BEFORE item ordered in XXXX. It was sent to a XXXX XXXX in XXXX, NY, my name is XXXX XXXX and I live in Connecticut. A replacement XXXX watch was sent to this person, XXXX XXXX, my order is a XXXX XXXX watch. The package sent to myself arrived with watch missing from the watch box, XXXX is known to send empty watch boxes or defective items. I disputed this charge, however, I did not receive response from merchant in time to reply, according to regulation set by XXXX. I provided response detailing false/inaccurate information detailed above, it was too late to further dispute. The initial mailing was lost in the mail, disputes dept resent the information from merchant and I was told to go ahead and reply in re despite lateness. Once received, Continental Finance refused to do anything further. The remaining balance of this debt, XXXX stems from fraud charges as well as late and over limit fees, which I refuse to pay.
05/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 170XX
Web
I became very Ill with tumors and was behind in bills but as soon as I could paid them. XX/XX/XXXX I made an agreement to continental Finance company for XXXX and XXXX. I made arrangements through them. Paid through them and paid as agreed. The letters I have said they would just say settled for less than the balance Then my credit report has CHarge off in XXXX, XXXX, XXXX closed in XXXX. I paid in XXXX. I dispute it and it just bounces back. I send the letters and bounces back. I call them and say well sorry we charged it of XX/XX/XXXX and you called us XX/XX/XXXX. we wont change it ITS WRONG, unfair, underhanded. 1. I had no idea it was charged off, I wouldnt of even received the mail. 2 it states nowhere on the letters its a charge off 3. I made the agreement XX/XX/XXXX so I should definitely not have charge offs for the months of XXXX, XXXX, XXXX. 4.I saw a statement in there website that they strive to be transparent and fair. They were definitely not that. 5. XX/XX/XXXX and I made an agreement XX/XX/XXXX would awfully suspicious and convenient for them. 6.Since there was no transparency, no communication, no anything. I want the charge offs for XXXX, XXXX, XXXX, XXXX to be taken off my credit report. Very underhanded and almost spiteful. I was sick and still am. I became XXXX. Every month they continue to ding me is more time I cant try to start over. I need a little compassion.
07/01/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08332
Web
XX/XX/XXXX XXXX contacted me about a card they said I had back in XXXX. They said it was issued to me, this was not a card I had applied for. They gave me the original count number and the original company. I contacted the original company they told me that the card was sent out I am returned twice to them unopened. However there were charges on the card. The address the card was sent to I was not living at XXXX of XXXX. So not only did I not apply for the card, I could not have received the card, and it was returned to them unopened. I don't understand how the original company did not see that an unopened card envelope had charges on it and investigate this back in XXXX. I tried to explain this XXXX the lady didn't believe me put me through to her supervisor who also did not believe me and hung up on me it's an emotional time I not working I'm not getting my unemployment I try to explain this to them and put them telling me that they're sending somebody out to serve me for a complaint to me this is scare tactics that are not needed especially in a time like this she gave me the information for the card then they are nasty with me telling me that was that company no longer owns the card I informed them that I was contacting them back and let them know that the company was investigating are there end the fraud use of the card so I can clear my name they didn't want to hear any of this
12/26/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 349XX
Web
I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.
02/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • NY
  • 127XX
Web
On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • LA
  • 70506
Web Older American
I attempted to make a payment to Continental Finance/Surge Card only to discover that the account has been closed due to Fraud/Theft. I never made any such report. I have the card in my possession. I am fully responsible for all charges placed on the Surge Card. I spoke to a couple of agents about the issued with the card being locked. I am unable to make payments on the balance due. I'm so confused at this point. I haven't received an email or paper statement. I know a payment is dues, so I called an agent to make a telephone payment. Well, I was told they could not accept my payments as the account has been closed because of correspondence from XXXX. I have always made timely payments and for much more than the minimum balance due. I don't understand why they elected to close the account because I " supposedly reported the card Lost or Stolen '' and Fraud was reported on the account. Surge can't seem to explain who made these statements. I had to threaten to speak to a supervisor. Furthermore, she claims that because of the " Fraud '' I am not responsible for the {$690.00} balance. I AM RESPONSIBLE AS THESE ARE MY CHARGES. So, I am sending a payment via my bank today ( XX/XX/XXXX ). They can't close an account that has been reported Fraud when a new card has been issued. Therefore, no account to apply the payment to. Again, I am sending payments until the account is paid in full.
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 350XX
Web Older American
There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. XXXX XXXX, XXXX- Continental Finance - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. XXXX XXXX, XXXX XXXX XXXX XXXX- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. XXXX XXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
10/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 132XX
Web Older American
I was billed {$59.00} a month XXXX, XXXX, XXXX, XX/XX/XXXX by a company XXXX XXXX on my Cerulean XXXX. I notified the credit card co. on XX/XX/XXXX by phone. I received no response back. I notified XX/XX/XXXX them by mail to the address it says to write to on my bill. i received no response. I called again on XX/XX/XXXX and I requested a new card. The person said they would refer to the fraud unit. on XX/XX/XXXX I received notification fraud unit received complaint. on XX/XX/XXXX fraud unit sent letter cant reach me by phone. I called the # provided and gave them all the information. on XX/XX/XXXX I received letter from card services to file a complaint with fraud unit ( which I did on XX/XX/XXXX ). I received a 2nd letter on XX/XX/XXXX also from card services they are working on case. may take up to 45 days.on XXXX I received a letter from fraud management services they began a review. ( by now I am frustrated feeling like this is a run around. ) On XX/XX/XXXX I received a letter from fraud management services I was issued {$170.00} credit. I mailed a letter on XX/XX/XXXX stating this is appreciated but unacceptable as I was charged unauthorized charge 4 times at {$59.00}, credit should be {$230.00}, {$59.00} x XXXX is {$230.00}. I do not understand the {$170.00}. I still have no response back from them. I am getting the impression they are not refunding to me what I was charged.
01/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32223
Web Servicemember
This debt was sold from XXXXXXXXContinental Finance XXXX XXXX XXXX XXXX I know this because I called Celt/Cont to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX XXXX XXXX report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
07/16/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33013
Web
so 2 months ago today i called the creditor of this credit line and asked why when I make payments, my balance doesn't go down, ive been making consistent payments for 2 years never been late, yet my balance seems to not decrease. I am waiting for supervisor call back is been 2 months.. This is the second credit card I have a with new Upcoming credit card people and am noticing this is a pattern between these companies as they are both doing the same thing. I am not going to pay another dollar until we get this resolve. I am submitting reports everywhere that will accept one for these thieves.. I NEED ANSWERS ASAP. Continental FIN CO you have no consent to sell my account to anyone as this needs to be resolve by the original creditor. My history of payments reserve the right as Ive been treating this account responsibly and making payments. never had any issues until this caught my interest and decided to address it. My account has been closed, I have no access any more, and has been also hit with fees as if in retaliation, thats the current status. I need a president type of rep to give me a call and resolve this matter expeditiously. until then I will be submitting reports everywhere and see where else this will lead. I will retain a lawyer for this matter, if this is not dealt with correctly. I don't deserve this treatment. taking more than expected through auto pay as well
10/01/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91007
Web
I contend that all of the inquiries made by CONTINENTAL FIN CO, XXXX XXXX XXXX, XXXX, DE XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. Any internet inquiries into my credit, if any, were unauthorized by me. Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SD
  • 570XX
Web
This is the third complaint I have filed against the company for incorrect information being reported on my credit report. In their last letter dated XX/XX/2020, they stated that the AUD from the first complaint was sent however " it appears that this updated did not reflect on your credit report as there was a delay in updating with the bureaus. '' The implies that they have made two requests to update the bureaus however this is false information. As you can see from the attached documents the reporting has been incorrect in several different ways and times : The account was listed as open but incorrect balance The account was listed as open but delinquent The account was listed as closed with incorrect balance The account was listed as closed with a {$0.00} balance The account was once again listed as charged off and sold to a debt buyer The accounts are reported differently on different credit reporting agencies during the same time period. I have also sent a separate certified letter to the VP of Customer Relations and two separate certified letters to the President of the company and those letter have not been answered other then the original answer to the CFPB complaints. I am at a loss as to what I need to do to get this fixed. The company has lied to me on multiple occasions that this would be fixed and has provided false information to the CFPB.
06/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WA
  • 983XX
Web Servicemember
Complaint is against a Credit Card Company named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MO. ( XXXX XXXX ) I mistakenly made two payments on XX/XX/19 in amounts of {$750.00} and {$750.00} to payoff the card in whole. Credit card company accepted both payments and placed a lock on my card without notifying me and held the double payment without notifying me or placing a " credit '' of one of the payments on my account. I called their XXXX on XX/XX/19 that is when they told me they needed to validate the payments with my bank, thus we did a 3-way call with my bank. Afterwards I was told that my refund would be credited back to my bank within 7-10 business days and that the lock on my account would be lifted within a few hours of our call on XX/XX/19. 10-business days later I still have not received my refund for one of the payments and the lock on my account had not been lifted. I called their support again on XX/XX/19 ( 10-business days which included the XXXX Holiday, and they said they had a system error and the refund had not been submitted so they said they submitted it during our call and that it would be another 7-10 business days until I see the refund. I demanded this is unacceptable and that I wanted my refund immediately and if not received I will file a complaint with the CFPB and XXXX. They did lift the lock on my account on XX/XX/19 though.
08/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55305
Web
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for XXXX, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct XXXX as now my score has dropped due your oversight, and if the same things happen to my XXXX report I will open up a dispute on that account as well. PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.
02/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 06320
Web
XXXX XXXX account ending in XXXX was re-billed in the amount of {$370.00} on XX/XX/XXXX, XXXX. This charge was reported as fraudulent along with another charge, {$350.00} to XXXX, the charges came in a day apart on XX/XX/XXXX, XX/XX/XXXX, I believe as I do not have statement available at this time. Prior to this, I called XXXX, the fraud department numerous times at XXXX, extension XXXX, a rep by the name of XXXX. No one pics up the phone and keep getting a voicemail, even when entering extension. credits were issued to account for the charges, however, it appears XXXX has been re-billed and do not have an explanation. I was able to resolve XXXX charge by chatting with several online chat reps, a refund was issued to card ending in XXXX, which was reported lost/stolen as well as the fraud prior. I was unable to resolve fraud charge with XXXX reps, they advised me to report it as fraud which I have. Unfortunately, it appears the bank expects me to pay it, since it was re-billed. I have not received anything from XXXX in relation to this charge. Further, it is not my responsibility to resolve fraudulent charges with merchants as I have with XXXX, the bank is supposed to work out such charges. Luckily, I was able to get a refund from XXXX, I have not had same luck with XXXX. I request bank to re-investigate charge, issue credit if possible.
12/26/2015 Yes
  • Credit card
  • Billing disputes
  • OR
  • 97317
Web
I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX.
05/14/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 914XX
Web
I had a credit card with Continental Finance Company but had not used this credit card in over a year and no longer have the card because it was at a XXXX balance. However, they keep adding fees, late fees, interest and penalties to the account. I get periodic emails from them saying a payment is due and to login in to their website to see my statement, but couldn't log into their website because I do not have the account number to register for an online account. I could not see my account, and could not see any statements. I called to them over 5 times to request a replacement card and that my statements be mailed so I can somehow look at my account. I never received either. The last time I spoke to them they said my balance was over {$500.00}, and none of the charges were due to any spending. They were just fees, penalties, and interest piling on top of each other. At that point I told them to close my account and to stop charging me. I told them to close my account and requested a statement showing all of the charges they are charging me for. Now I'm also getting notices from the credit bureaus saying my payments are late, even though the account is closed. The representative I last spoke to over the phone also could not tell me why my balance was so high when I had not made any charges on the card and had a XXXX balance.
03/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 92344
Web Older American
On XXXX the due date.. a check ( # XXXX ) was written to XXXX XXXX ( Continental Finance ) in the amount of {$61.00} ( {$1.00} over the minimum payment ). On XX/XX/XXXX I called to see if the check was cleared..the recording stated that the check was received and that I had a {$61.00} credit and cash limit available. I checked my checking account to see if it was posted..for 7 days it did not post. Yesterday XX/XX/XXXX I received a call from Surge XXXX requesting a payment due..I inquired of what happened to my check..I was told that the check was returned and to check with my bank.. subsequently I did so and my bank ( XXXX Bank ) stated that no check has been returned. And again I spoke with a XXXX XXXX representative. I inquired further of the check and I asked if they lost my check.. the representative insisted that the check was returned.. I then stated that I would have to send them a cashier 's check for any further payments because I could not trust them with a check payment.. ( I admit at that point I was rather heated and did hang up the phone ). Today I received a XXXX loss of credit on my report. I would like to have this matter resolved and my credit restored to the previous amount. And I will be forwarding a cashier 's check or money order for payment. Thank you for your attention to this matter. Sincerely
06/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77057
Web
I went in to pay my credit card bill on XX/XX/XXXX. My payment day is on the XXXX of every month. I called to wave the late fee of {$37.00}. Looking through my account with a credit limit of {$500.00} I noticed that I was charged a total of {$170.00} in late fees and interest fees and a {$10.00} fee every month which would make this card {$120.00} to use for the year plus an annual fee of {$99.00}. So {$290.00} to run a credit card with {$500.00} credit limit. I called in to waive the late fee only to be told I missed last months payment which is untrue. I logged in and made XX/XX/XXXX 's payment but this was not updated to my account. Upon calling on XX/XX/XXXX I was told the late fee could be waived. I want my late payment erased from my credit along with {$60.00} in fees refunded to this account so I can pay the balance and close this account. This company is a fraud and preys on people who take on their card. This late fee update has cost my credit 68 point drop! I need this fraudulent company put on notice and this updated. I also have plenty of instances where I pay and I do not get an email stating a paid nor any proof of payment. Currently this company is reporting to credit agencies that my monthly payment is {$77.00} and credit limit was {$760.00}. This is untrue and I need all of this updated ASAP.
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32256
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
05/23/2016 Yes
  • Credit card
  • Billing disputes
  • CA
  • 90255
Web
I have a XXXX Credit Card and make my monthly payments online. However, for the past months, every single time I make a payment online, the transaction goes through and then there 's a " payment reversal ''. I 've contacted the credit card company to inquire on the reason why this happens and they can not give me XXXX. They 've made up different excuses as to why the payment is reversed and the common one is blaming my bank that they do not process the payment. However, I 've contacted my bank and they have not received any transactions from this company. Another reason is that I do not have the sufficient funds to cover my payment which is UNTRUE. I make my payments on time and sometimes before the due date and by more than the minimum, but they return them. This results in reporting a negative report to the credit bureaus and the reason I got this credit card was to re-establish my credit after a bankruptcy. I 've tried working with them in resolving this matter but nobody can help and I just get the run around. The only options they give me is to pay through XXXX XXXX or check but I will have to pay an additional fee that I do not pay through online. I began paying my bill online and did n't have a problem until XXXX 2015 and ever since, every single online payment I make results in " payment reversal ''.
06/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • IN
  • 46221
Web Older American
Company repeatedly called or texted me prior to payments being due to tell me there was an upcoming payment due. I asked them not to contact me when their call was relating to an upcoming payment, and to only call if my payment was past due or if there was a problem with the account. The last time they called was on XX/XX/2022 at XXXXXXXX XXXX and became really rude when I spoke with them. The gentleman would not give me his name and when I told him not to call me with regards to payments upcoming, he cursed at me. I cursed back at him and he hung up. They had also called earlier that same day at XXXX, both times from the same number XXXX. I also believe they called at XXXX am on XX/XX/2022 from another number XXXX. They also called on XX/XX/2022 about my upcoming payment. The due date on the account is the XXXX of the month. Since that time I have not received a billing statement from them. I went online to ask to have the billing statements emailed to me, and received a confirmation email saying I made that change to my account, but still no emails or billing statements have been received. I have never been late on any payment on this account and until the rude behavior and cursing incident, have always paid more than the amount showing due. Since that time, I have only paid the minimum amount due.
03/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • SD
  • 570XX
Web
OnXX/XX/XXXX I filed a complaint with CFPB against Continental Finance Company XXXX. The complaint was regarding information on my credit report and not receiving any billing statements. A representative from the company called and we worked out an agreement where they will purchase back the account from the debt collection agency, reopen the account, credit past fees and correct any negative credit reporting information. I also have a letter dated XXXX stating the above information. The company did eliminate the negative reporting however the balance information was incorrect. I decided to wait until the next update hoping the information would correct itself. Unfortunately the next updated was dramatically negative. On XX/XX/XXXX the company once again reported on my XXXX and XXXX report, the account as charged off and sold to a collection agency for a bad debt. The collection agency ( which the debt was bought back from ) is also still reporting this information despite disputing the information. A separate complaint will be filed against the collection agency for violation of the FCRA. On XX/XX/XXXX I called and talked to the same representative and he said he would look into it and get back to me. Unfortunately the representative or anyone from the office has failed to return my calls or email.
03/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 152XX
Web
In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for fraudulent charges.
10/26/2015 Yes
  • Credit card
  • Late fee
  • MO
  • 631XX
Web
This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. I am going to paid this credit card in full and close this account. But I want this companies ' unethical and predatory behavior on the record.
04/28/2015 Yes
  • Credit card
  • Billing statement
  • CA
  • 90680
Web
I opened a credit Card account with Continental finance a few months back to try and restore my credit rating. Since then they have been charging me {$4.00} for Credit Protection that I didnt want and clearly checked that box during the application process, made calls to remove and they still will not. This last Month I got a phone call from them wondering where my payment was. They asked me if I mailed it to there new address or old address. I told them i mailed it to the address that was on the payment stub ( i have no idea where this is ). She said it was okay but they went ahead and charged me a {$25.00} late fee. Why they would do this to there customers ( in researching this I am not the only on they have done this to ). They have so far refused to take this off my balance even though they sent out there payment invoices with there old address on the stubs. I just felt like you should know they are ripping off customers and do not help you when you call them. I just want to pay this debt off and close this account but they are making it impossible by tacking on late fees and credit protection charges againt there customers who are tring very hard to pay the debt on time and do the right thing. This should and must be Illegal. Thank you for your time and consideration. XXXX XXXX ( XXXX ) XXXX
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 291XX
Web
XX/XX/XXXX I noticed 5 transactions on my surge credit card that were not mine. I live in South Carolina and these purchases were made in XXXX New York. I called my credit card provider and disputed the charges. When I got my statement in XXXX the charges had been adjusted. I made my payment on XX/XX/23 that would be due on the XXXX of XXXX. When I got my XXXX Statement the charges had been put back on my card. Since this was fraud they cancelled my old card and sent me a new card and i have not even activated the new card. I called customer service again and asked why these were taken off and then put back on the card. This is NOT a low interest card and it has a XXXX yearly fee!! I am trying to work on my credit and this is a SCAM! The representative said that i needed to talk to the " fraud department '' I asked to speak to a supervisor because i clearly have not traveled to New York and I should not be charged interest on these transactions amounting in {$170.00}. They seemed to not care at all them or the supervisor. They gave me a claim number and a number to call the fraud department. I called them and they didnt even answer. I had to leave a message and they called me back a week later and i was unable to answer bc i was at work as i stated in the message i left them. This is a SCAM!!!!
06/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • IN
  • 463XX
Web
This is from me talking to Continental Finance in XX/XX/2019 I asked how much to close out my Credit Card in full I was told I needed to pay {$320.00} which I paid. My monthly payments where {$35.00} which I did make a online payment of {$38.00} which would have went towards my monthly statement not according to them. I was told over and over my account was closed and paid off this is XX/XX/2019 they're now telling I owe them {$38.00} with monthly maintenance fees which {$170.00} they said was reversed they've been lying since I paid off the card in XXXX. A supervisor told me what happened apologized for my inconvenience and told me everything would be reversed nothing to worry about call back in 3 business days to make sure I was at a XXXX balance. I called back 3 days later to find out I have a charge of {$50.00} {$38.00} returned check 12 maintence feel I saw no reason after I already paid {$320.00} to pay off my card and multiple people in that company telling me I was paid in full and as I paid my matrix card off I was told I wouldn't inquire any fees which was another lie. And my is jacked up due to XXXX XXXX and their thieving ways. I read the reviews on company and their horrible. Idk what to bcuz I feel like when you're thinking your in the clear they come with outrageous fees quote.
09/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 32819
Web Older American
XXXXXXXX XXXX is engaging in unethical and deceptive fee credit practice with its ongoing monthly fees. I previously called Reflex over a year ago, I stated I did not realize the credit card company charged a monthly fee, ( it is not clear in the terms of agreement/its vague ) and requested the card be closed so I am not charged any fees. I was told they can not remove the fees ( monthly fee of $ XXXX ) because there was a balance. Once the balance was paid they could remove the fees. Now a year later, after interest is paid, and there is only a small balance of approx $ XXXX XXXX dollars, XXXX is stating they cant remove the fees and I have no choice. So XXXX has amassed over {$200.00} in extra fees while the account was closed, I paid interest and never again used the card. This is clearly a deceptive practice that is robbing the consumer of money. My account was closed and XXXX rightfully charged interest but ALSO a monthly maintenance fee. This is unacceptable especially after customer service stated I would be refunded once I pay off the balance due. Please feel free to have the company review the recorded customer service calls to verify these interactions. I am also led to believe ContinentalXXXX XXXX are aware I am a senior citizen and are eager to take advantage of such.
06/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 75067
Web Older American
In XX/XX/2019 I paid off the credit card balance by phone with a representative of Continental Finance Matrix Card division. During the conversation it was clearly discussed to close out the account and the representative advised once the funds cleared the account would be closed and acknowledgement was received on XX/XX/2019. In XXXX I received a collection call regarding past due funds and I shared with the representative the XXXX conversation and confirmation and was advised this would be corrected and resolved ASAP. In XXXX another call and another conversation with the party stating they did not show that but would get resolved. This party was not pleasant to deal with and I felt threatened. In XXXX again more calls and was told funds being assessed to account including late charges and must be paid. Also received a collection letter and my credit has been reported as late as well as seeking {$74.00} in fees for an account again paid off and closed in XXXX. Each time the party being spoken to has become unpleasant and threatening. In good faith I paid the debt in full, and was told resolved and now being threatened in collection and credit report reporting as late. I am on social security XXXX but in good faith resolved this and seek this being closed and my credit being corrected
09/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web Servicemember
As I was reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being XXXX XXXX ( Also known as/part of Continental Finance ). Yes indeed Ive attempted to rectify the issue on my own by initially disputing and requesting validation via the 3 major credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified It appears that these agencies aren't doing any type of validation but asking these creditors is what they've posted accurate and no one doing any real investigation. I then decided to contact them ( XXXX XXXX/Continental Finance ) directly on XX/XX/2018 ( letter of dispute requesting validation along with fax confirmation attached ) and to date, I've received no response at all. I attempted calling ( XXXX ) today for another fax # or to confirm that which I have and the young lady ( XXXX ) advised me there wasn't one she could give me. The fax number ( Fax : XXXX ) is indeed associated with their company. I have learned in my investigation they have several different cards/multiple company names and have had some legal issues as well having to refund customers an approximate $ XXXX ( XXXX XXXX XXXX ).
11/03/2016 Yes
  • Credit card
  • Late fee
  • VA
  • 20109
Web
XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.
05/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07024
Web
The XXXX XXXX XXXX I own has been closed by the company due to being over the limit. I attempted to make a payment to satisfy the overage but they refused it. They stated the balance had to be paid in full. I expressed to them that I couldnt sue to economic hardship during our current conditions. Therefore, I agreed to pay the minimum of {$100.00} on its due date of XX/XX/XXXX. Unfortunately they didnt process the payment since my account was revoked internally. I received notification to make a payment, which prompted me to call them. It was explained to me that due to the revocation the payment couldnt be processed via ACH. A supervisor got involved, she then removed the revoked status to finally accept my new payment of {$200.00}. Lastly this payment went through successfully, however this company submitted a late payment on my credit. Today, I spoke with three individuals to get this fixed. Ultimately a customer relations supervisor named XXXX assisted and stated that she would call me back and I got no resolution or call back. They need to assume responsibility for this as I am working hard to pay them and repair my credit. I have no control over this company revoking my account and refusing payment. Its unfair to make a late report on my credit when they are responsible.
12/17/2015 Yes
  • Credit card
  • Delinquent account
  • CA
  • 90304
Web
Continental Finance Company took advantage of me by taking DOUBLE Monthly Minimum Payments from me for months and only allowed double payment ( on-line payment and by phone when I checked to see if minimum for each month was being received by CFC. We I found out by looking at XXXX 2015 Monthly Statement CFC was actually receiving {$70.00} and not the agreed upon {$35.00} I contacted CFC to ask and was told to turn off auto pay and I would not suffer late fee or other penalty while the matter was being fixed and that I would be refunded for XX/XX/XXXX double Minimum Payment received by CFC. I was told I could use the Refund for XXXX 2015 payment. I have not received a Refund and CFC still charged me with a late Fee. I have never been late with a payment. My account with CFC is now Delinquent. I contacted my bank XXXX for help to stop double payments going to CFC. I think I was being double charged Interest for each double Minimum Payment I made. XXXX Contacted CFC. That same day or the next my account was charged late fee and is now somehow delinquent. How can my account be delinquent when I never missed a Minimum Monthly payment? On one or two occasions CFC applied the Doubled Minimum Payment for the next months payment, like XXXX XXXX and other well known Creditors do.
07/28/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 954XX
Web
I applied for the XXXX XXXX XXXX XXXX XXXX which offers credit to people with " bad credit ''. I was willing to pay their high fees to get a credit card where I would carry an unsecured balance as opposed to a secured card which I have already applied for and advanced money on with another company. I went through the entire application process only to be declined and offered another secured account where they told me to send them {$500.00}. It was absolutely misleading from the from the beginning. Their advertising says the card is appropriate for people with a credit score of between XXXX and XXXX . Mine is XXXX . Now that company has my personal information and did not come through with the credit they promised. upon completion of the application, I saw a page come up that said congratulations I received a credit line of {$500.00}. But then it suddenly went off the screen to another credit card offer. When I went to pull it back up they said I did n't qualify and that I would have to send them {$500.00}. Extreme false advertising. I would never have applied with them had they been honest. This company is committing fraud, perswading people to provide personal iformation such as email and phone with no intention of providing the credit they promise!
02/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • XXXXX
Web
I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20746
Web
There is incorrect information on my reports with XXXX pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
07/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06066
Web
I was reviewing my credit reports from the 3 CBs and found that I have a hard inquiry on my credit report from Continental Finance Company from XX/XX/19. I never requested credit from this company on or near this date. I called XXXX and spoke with the fraud department who told me that I need to call the creditor from the inquiry to obtain a letter before they can delete the inquiry even though I told them that this particular inquiry was fraudulent. I called the creditor at the number listed on the hard inquiry on my report on XX/XX/19 & XX/XX/19 and stated that I needed to speak to the fraud department because I never applied for credit with the company and my information was fraudulently used to try and obtain credit. Both representatives in the fraud department stated that they could not find an inquiry under my name or social security number. I need a letter from the company in order to get the hard inquiry off of my credit report. They said that they cant find this inquiry even though its clearly on my report. I have included a screenshot of the inquiry from my credit report. I have also placed fraud alerts on my credit reports with XXXX, XXXX and XXXX so that creditors must call me to verify my identity prior to extending and offer of credit.
06/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NM
  • 871XX
Web Older American
It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : XXXX
01/26/2017 Yes
  • Credit card
  • Other
  • NC
  • 275XX
Web
I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 557XX
Web
Continental Finance reported that my payment was 30 days late during an investigation into payments not going through. I shut off autopay and paid it direct and still the payment did not go though for the XXXX XXXX I do the same process to pay the XXXX XXXX and don't have any issues with the payments being made. Their claim is the money isn't there, when in fact it is and still is from the most recent payment attempt. Both the XXXX XXXX and the XXXX XXXX were paid on XX/XX/XXXX. Both showed paid on the XXXX of XXXX. XX/XX/XXXX the XXXX XXXX showed it was late, then it showed there was yet another returned payment. This is the 5th time it has happened. This is a bad business practice that other credit card companies have gotten in trouble for. There claim is that it takes 3 days to clear the payment, which is not true. In some cases it can, but typically those are only on new payment methods. When the same payment method is used it is within 24 hrs. They also increased the amount owed for a single payment on the app from {$50.00} to {$170.00}. It seems rather no matter how I try to make a payment, they won't accept it. Then they report that it's late 30 days to the credit reporting agencies while it's being investigated and make things worse yet.
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31088
Web Servicemember
My Continental Finance credit card was closed, because I could not pay the bill. There was a {$500.00} limit with a {$700.00} high balance. When I was able to pay the bill, the account was sold to a collection agency, XXXX XXXX XXXX. I settled the account for over {$600.00} with XXXX XXXX. This company closed, and did not report my account as settled. I called Continental Finance to inquire why they haven't updated my account as paid to the credit bureau. They said that they do not handle my account. XXXX XXXX XXXX handles my account, and gave me the number. I called XXXX XXXX XXXX, and they verified that the account was paid off, and provided me a letter to give to the credit bureaus. XXXX reported my account as written off after my dispute. I disputed it again, because it was paid off. They said that Continental Finance MTOB is reporting it as closed after the dispute, they sent them the documentation from XXXX XXXX XXXX. My problem is that I paid the account, and it is still hurting my credit with a balance showing that it was never paid. If I dispute it, the credit bureau should show the company proof that it was paid, and annotate my account accordingly. They should not tell me there is nothing we can do about it when I paid over {$600.00}.
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 28306
Web Servicemember
Account appears on customers credit profile twice. I have reached out to both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX
12/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 730XX
Web
Spoke with a card services member with contentinal finance. About a payment I had scheduled on XX/XX/XXXX using my XXXX / checking account with XXXX XXXX XXXX XXXX. Contentinal finance told me the transaction was declined due to no funds. I contacted XXXX XXXX and was I formed I have over {$300.00} in my account and XXXX declined transactions since XXXX. I verified multiple times that there are no account restrictions on my account. I then called contentinal finance ( verve card ) back informed them about the information XXXX XXXX gave me and even verified all account information with contentinal finance i was then told different stories about my bank beinf the issue and the. Was told they are getting an error code telecheck nfts not offered. Contentinal finance then informed me telecheck was blocking my transaction from processing and advised me to contact them. I explained to contentinal finance that my bank is not declining anything as it would show on their records. Contentinal finance then told me I was late and needed to pay the late fee due to the declined transaction on their end and the interest included. They informed me nothing was wrong on their end and refused to check/take action to verify their system is intact.
02/05/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • FL
  • 33021
Web
Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.
04/04/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 90604
Web
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.
05/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 273XX
Web
On XX/XX/XXXX, I had a payment returned payment that I had made to Continental Finance aka XXXX. Once I realized the error, I made a payment of {$120.00} ( XX/XX/XXXX ) and {$80.00} ( XXXX ) to cover and then a regular payment of {$30.00} on XX/XX/XXXX. Today, when I looked at my account, my balance has increased from ~ {$500.00} ( on XX/XX/XXXX ) to {$600.00}. I have not used the card in months. I called the company around XX/XX/XXXX to inquire about the balance and what transactions make up the balance due. The customer service rep just kept saying I was past due and needed to pay {$120.00} asap. I have asked several times for a statement of charges/payments but they will not provide. When I look under statements online, it just says " no statement available ''. I can not figure out why my balance keeps increasing, although I am making payments. I realize there is a late charge and a returned check fee but I have paid {$230.00} over the last 2 months so I should be up to date. My current payment due is {$160.00} and I can't get the company to tell me why or what transactions have posted to my account. How is it that I continue to pay ( haven't used the card in 2 months ) but the balance keeps increasing?
09/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OK
  • 741XX
Web Older American, Servicemember
This account was originally established in XXXX. There were several times that as I have been XXXX XXXX, and XXXX, that I have had to use the credit protection plan. Since I was XXXX in XX/XX/XXXX, and then placed in an XXXX XXXX XXXX, then after XXXXXXXX XXXX XXXX XXXX and required XXXX XXXX XXXX I began to try communicating with the credit protection plan department ; XX/XX/XXXX to XX/XX/XXXX, about having payments made for the monthly charges that began to be delinquent. I was advised by the manager of the credit protection plan to send ALL the necessary information concerning my date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent everything that was requested, and had further issues with the same manager of the credit protection plan department manager. After some research, I then tried to reach out to Celtic Bank in XXXX XXXX XXXX, Utah in XX/XX/XXXX, because my account is somehow linked to my credit card bill, and discovered that the credit protection plan was discontinued because I requested that it be removed. I have never made that kind of request. I have been unable to resolve my problem.
04/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • CA
  • 91324
Web
My complaint is about Continental Finance Corporate Office/XXXX XXXX XXXX XXXX, XXXX XXXX, MO I made my timely regular payments and established stable payment history, without delays. Last year, I have been affected by COVID-19, pandemic. During that period of time I notified as a credit cardholder of my financial hardship and unemployment.and requested the bank a forbearance and flexibility for the repayment. However, all my requests remained ignored and the bank avoided response. They never responded to my letters and inquiries, rotated in an endless runaround. This deception, fraud and unfair practices adversely affected my credit card account and imacted my credit score, resulting in a delinquent status and being charged off. My credit card # is:XXXX XXXX XXXX XXXX with the Continental Finance. Please assist me to overcome this consumer fraud as a victim since this bank is not willing to respond to my letters and repeatedly refused to address my concerns or resolve my account related negative reporting problem. I will also contact the Treasury Department and Attorney General in addition to my speech on XXXX and through the social media. I am an innocent victim of circumstances and consumer fraud.
07/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NC
  • XXXXX
Web
XXXX credit card through continental finance has charged me a late fee for a card I made a payment on that they never took. Every month I've had issues making payment on this card and no corrective action has been taken on XXXX side to assist. Precious payment in XXXX and XXXX I had to call them over the phone to make..In XXXX I had to call twice because it had been over 5 days and the payment was not pending or posted. they claimed there was an issue when I called on XX/XX/XXXX but they NEVER contacted me in any form to let me know there was an issue. So I would have been charged a late fee had I not called back. In XXXX after month of having issues adding my valid XXXXXXXX XXXX account to pay ( routing number issue ) I added another bank and made the payment. Only for it once again to NEVER post. I have now been charged a late fee by the company. Despite having made a payment. XXXX has done everything to ensure I can't make effective on time payments Attached you will find my call logs to XXXX to make payments and ask questions about the account. What happens when I try to add my valid account information and proof that there were funds available in the XXXX account when I made the payment.
02/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 77578
Web
Incorrectly reporting late payments during pandemic under Cares act The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( Mar. 27, 2020 ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). If the consumer was already delinquent when the consumer received the accommodation, but complies with the accommodation agreement, the creditor or other furnisher must report the same delinquency status during the accommodation period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( aa ). If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ).
06/06/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MA
  • 01876
Web
I was contacted by XXXX XXXX ( XXXX ) XXXX XXXX XXXX , NV a XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX Fl. I had called the office and spoke with XXXX and was set to call her back Tomorrow. XXXX XXXX from XXXX XXXX proceeded to call my elderly XXXX year old mother in law and was verbally abusive and threatening. When I called XXXX XXXX and XXXX with this information they told me he went " off script '' and was not reading the script provided to him. XXXX XXXX threatened to be on MY door step here in Massachusetts on XXXX XXXX . What his intentions are I do not know. I am on social security XXXX and do not make enough to cover what they want. I do not own property. This is a very old debt. When I called XXXX XXXX back to tell him not to contact my mother in law again the phone went right into a message that " This phone is not set up to take calls at this time. '' These kind of threats are very frightening to all involved. Last year Continental Finance Company had so meone call and personally threaten me. They were reported to the XXXX Police Department and were called while I was present in the room. This is not the first time.
06/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 307XX
Web
I mailed in a letter to close my account. They never Received it due to that only being a payment address. I only found that out when my credit monitoring alerted me an account went 30 days late and I contacted them. The rep told me he could close the account because the amount showing due were fees only, not an actual balance. I explained to him I was affected by COVID-19, he spoke with supervisor whom instructed him to transfer me to credit protection. I told him I never received any late notices or phone calls trying to try to collect so I assumed the account did close from the letter I had mailed. I spoke with a lady and she assured me due to my circumstances that my credit reporting would be corrected meaning removing the delinquent status that reduced my credit by 53 points. The credit protection is in place now however its still reporting 30 days late on my credit. I have disputed this with XXXX but they continue to report information is accurate. It is not! I want this delinquent status removed off my credit files. I have NEVER been late with this company in YEARS that Ive had the account. The reps that I spoke with at the company agreed and said it would be removed as delinquent.
08/21/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93940
Web Servicemember
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
08/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 48236
Web
Hello, I recently applied for a credit card with XXXX/Continental Finance after receiving a pre-approved offer. In an effort to build my credit, I applied and was approved for {$500.00} ; I was aware this would be decreased to {$420.00} due to the {$75.00} annual fee which is deducted from the available credit. Upon receiving the card, there was an available balance of {$390.00}, this is due to the company sending me 2 cards, 1 in a previous last name and 1 in my current last name. Due to this extra card, I was charged an additional {$30.00} ; the problem is, I did not request an additional card, I applied for the credit card in my current name which is also reflected on my credit report and the card should have only been issued in my current name. I tried to contact the company by phone, multiple times with no success. The hold times will start at 14 minutes and the longer you hold, the longer the wait time becomes, 15 minutes, 17, minutes, 20 minutes ... which is absolutely insane and quite baffling. I would like the {$30.00} charge reversed and this company needs to do a better job at of being sure they're issuing cards correctly and not charges customer from non-applicable fees.
05/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 189XX
Web
I acknowledge the validity of the debt. The company calls me multiple times every day. Some days it is in XXXX hour to XXXX minute intervals. The number they are calling from closely resembles XXXX XXXX I have also received several text messages. The calls are more than XXXX in a 7 day period. I answered a call today XX/XX/2023 to find out it is Card services for my XXXX PLATNUM MASTER CARD Ending in XXXX. They claim last contact was beginning XX/XX/2023, but phone record from this past weekend ( XXXX ) show otherwise I requested a settlement option before filing a complaint or taking them to court for violation of debt collection law. My settlement option was to keep the account active, open, and wipe the full balance due which is less than the minimum {$1000.00} I can sue them for ( plus court costs ). They tried to change it to a payment settlement where I PAY. Asked for a supervisor, was told they were busy and said I would wait on hold. The call terminated without speaking to a supervisor. I am attaching missed call and call log record screenshots as evidence. Called back and had to wait from first to XXXX caller Explained to agent and requested a supervisor.
12/09/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NY
  • 14304
Web
I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX XXXX XXXX XXXX
07/11/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • SC
  • 29577
Web
Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.
02/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AZ
  • 85326
Web
I have had a Cerulean card by XXXX XXXX for two months now. The first month I tried to make a payment ( the card had an automatic {$99.00} balance ) I was not allowed to make a payment online. I called in and made a payment by phone and was told they would wave the {$10.00} charge for making payment by phone. so next payment is due XX/XX/2020 Again tried to make a payment and was given the same error message as the first time. ( Error 3811 Credit Account not Authorized to use this application for ACH. This account is marked as unauthorized. Please contact customer support XXXX. ) I call customer support and try to make a payment via the phone system. I enter my banking info and then I'm transferred to customer Service. I'm told that they would wave the {$10.00} fee this one time and then I thought the payment was made ... received an confirmation email and everything. The funds are still not out of my bank account and I got an email from the credit card company say that my payment was declined. There is no activity at all in my bank statement and the bank said that they did not receive a request for payment. I just want to be able to pay my bill, should not be this hard.
02/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • ID
  • 83687
Web
I opened this card in XX/XX/XXXX since then I've had 3 payments to make XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. In both XXXX and XXXX of XXXX I have received numerous phone calls and text messages from the company stating to call them immediately regarding my account. The exact message reads " It is important you contact us regarding your XXXX XXXX. Click ( link to payment website ) or call us at XXXX. '' Not to mention the numerous phone calls from " potential spam '' numbers if my payment is not made or scheduled by the 8th of the month. However my due date is the 11th of the month. I contacted them today before filling out this form to complain and state that I did not want any more of these types of messages unless my payment is past due or missed. The person on the end of the phone just kept asking how I was going to make the payment and when I was going to make the payment as well as giving me my payment options before saying " I'm making a note of these payment options on your account '' not really taking what I was saying and doing anything with it. At this point I feel they are doing debt collecting practices on something that isn't even in collections.
04/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • XXXXX
Web
In XXXX of 2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXXContinental Fin Co opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to XXXX XXXX which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by XXXX that the account has now been sent to another collection company named XXXX XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX and I have to call them to handle it. I am so tired of the run around!!
11/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 390XX
Web
XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
07/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • GA
  • 30906
Web
I 've made a few payments for this debt after they threatened to deliver a subpoena for a lawsuit. The debt is valid but when I tried to find identifying information about the debt collector, I was unable to. They have been very aggressive with phone calls and threats. I believe this company does not own the debt nor are they authorized to collect. Their web site XXXX is currently inactive and parked by XXXX. I have not received any replies to my email messages either. I believe they are using SMTP spoofing to send me messages I ca n't reply to. The only information I have for them is mail address and XXXX phone numbers, but they are registered to other companies. XXXX and XXXX are the numbers I know of for them. My contact there is XXXX but he did not provide a last name or alternate contacts. XXXX XXXX is an ambiguous name. The only company. I found as XXXX XXXX or XXXX XXXX XXXX has filed for bankruptcy and is no longer in business. Business directories show the business as an investment firm, not a collection agency. It is my firm belief that this company is scamming people out of their money. I have not received any mail from them, either. Please advise.
02/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85718
Web
On XX/XX/XXXX I received an email notification from XXXX XXXX regarding a credit card that is past due. I reviewed the information on my credit report. A credit card was opened on XX/XX/XXXX with a limit of {$300.00}. This account is past due for an amount of {$430.00}. This is identity theft. I did not apply for this card. The card is a XXXX XXXX. The creditor is Continental FIN CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Customer service XXXX Fraud line I spoke to someone in the fraud dept. I let them know I did not apply for this card and that this is identity theft. Information was documented. Today, XX/XX/XXXX at XXXX. I received a call from a collection agency representing this company trying to collect debt. I notified the rep that this is fraud. The rep was able to see in the system that yesterday XX/XX/XXXX someone called impersonating me and filling for a lost card. I asked them to please report this as identity theft. More information was taken and I was advised to file this complaint. The representative was able to confirm that an address in XXXX XXXX, Flordia is where the bill is being sent. I have never lived in XXXX XXXX, Flordia.
06/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • TX
  • 77373
Web Servicemember
On XX/XX/XXXX a rep from XXXX XXXX XXXX XXXX called my job, my parents and my sister threating to come to my job and deliver some type of litigation document. Once I got them on the phone and spoke to a woman named XXXX which I now see is the name of the so-called firm. She claims I owed {$880.00} for a Master card I had back in XX/XX/XXXX or XX/XX/XXXX. Since her tone and her abrasive language and calling me a liar she told me I kept asking her how to get in touch with the creditor. She told me they were no longer in charge of the debt they were, but she insisted she was not a debt collecter but agreed to settle the debt with monthly installments. She would not give me an address or a direct number so I agreed and was sent a docu sign statement that included their address and phone number. I then sent a cease and desist letter on XX/XX/XXXX by certified mail. The ups tracing claims the letter can not be delivered. After researching online the address given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX is a donut shop. their number is XXXX. I did my research and the CC they are referencing was charged off in XX/XX/XXXX and the account was closed.
05/02/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 11219
Web
I called yesterday to try to make a payment in full which is {$280.00}. But I have a recurring payment every month which is {$50.00}. So I called the customer service of the build company today to make sure they wont double charge my bank account. I found out the payment of {$280.00} didnt go through. They told me to call my bank which is XXXX XXXX XXXX. And I did. The bank said they didnt see any attemp or transactions from the build card company. So I called back n asked to speak to the supervisor. The supervisor said she cant collect the money either told me to call my bank. I already close the build card account, but today is the due day. If I dont pay it in full today, I will end up paying the interest tomorrow. This is is why I spent my day calling back n forth n still cant make the payment in ful. Funny, the customer service told me my recurring payment of {$50.00} dollars is going through tonight, but I cant make my payment in full. So I guess, the build card company just want me to keep on paying the interest every month instead of paying in full. It wastes my time of the day talking on the phone back and forth and still cant solve my problems.
05/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IN
  • 47711
Web
I have a credit card through Continental Finance. I have one of their XXXX Mastercards. The problem I have is keeping up with payments. Every payment I make gets ate up by their absurd interest rate, fees and charges. This is a predatory company that preys on people like myself that find themselves in dire financial straits and don't have the best credit history. My current limit on the card is supposed to be {$700.00}. But I have gone over that limit and now every month my it seems like my minimum amount gets raised more and more. Not just that, but these vultures also keep increasing the total amount. Instead of {$700.00}, I now owe them almost {$1000.00} in total. I have no problem with them increasing my minimum payment, but I can't keep having them increase the total amount I owe. I have missed a few payments because I can not keep up with the avalanche of debt they keep throwing at me. No company should be able to treat their customers this way. I have no problem going back to our original arrangement, where I was paying a minimum of {$35.00} per month, but they can't expect me to keep paying XXXX XXXX dollars one month and XXXX XXXX the next.
03/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • SC
  • 29301
Web
I, XXXX XXXX had applied for a credit card known as XXXX XXXX that is issued by XXXX XXXX and serviced by Continental Finance Company on XX/XX/2021. I got denied because of one reason : We were unable to verify your identity. I called their customer service number a few times about my current application and their number is XXXX. The customer service representatives told me different things, most of them was very untrained but one of them told me to fax my personal informations directly to the company for review. It have to include my driver license, social security numbers card, and voter registration for proof of address to their fax number XXXX. I already fax them and called them again but they told me they had received but took no action without justify explanations. On the online application, I had given them my full social security numbers, name, date of birth, address, e-mail, phone number, and other informations they had requested. I even fax them my social security numbers, driver license, proof of address, and a copy of the reference numbers that is attached to the notice that was sent to me after I applied stating why I was denied.
12/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 94804
Web Older American
I started having problems paying on my Cerulean Continental Credit card. I reached out to Cerulean to see if they would be willing to offer me a program temporarily to help me get back on track. The customer service representative told me they didn't have any program they could offer me. The late fees and over-the-limit fees are excessive and I am unable to repay them XXXX dollars in minimum payment. I have called them and told them I can not repay them this much money at once. They don't care that my hours were reduced due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just pay them the outrageous fees. I am writing you to look into their fee practices and to see if you can help me as a mediator so I can get an affordable payment plan to repay them back. They are XXXX me by phone, text, and email daily, 7 days a week. I want the excessive phone calls to stop. I want whoever is in charge to call me and help me so I can repay a reasonable payment. Thank you. I am being charged XXXX every month since XXXX plus interest. I have called and asked for help and I am unable to get help on my own. That is why I am reaching out to CFPB.
06/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • GA
  • 303XX
Web Servicemember
On XXXX I received my new card in the mail which needed to be activated. However, I changed my phone number in the interim of receiving the new credit card. I called the company to update my number so that I could activate my card and was advised that I could not activate my card unless it is with the number I put on application. This was after they did their security questions regarding my ss # card # and billing zip code. They told me I needed to send a copy of my cell phone bill to show the number change. I advised them I am not the bill holder of the mobile account but could send them proof via the XXXX app that it was my new number and has my name associated with just that number and was still told no. The representative did not give me any other option to use to help validate I was the correct person after I passed all the security questions. This is not good customer service as to how to activate a new card that has my name on it my address and I provided my social security number and everything they asked for. You ran my credit, approved me but now I cant activate the card because they refuse to update my contact information.
04/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AR
  • 72762
Web
I scheduled a payment on XX/XX/2021 to be processed on XX/XX/2021. I cancelled the payment but Continental Finance deducted it out of my bank account on XX/XX/2021. I have called on XX/XX/2021 to inquire as to why it was deducted if it was cancelled. The representative I spoke with said that they would have to verify it on a 3 way call to my bank that it was in fact deducted. I could not do that due to the bank being closed. So I called back on XX/XX/2021 and the representative did a 3 way call and was able to verify that it had been deducted. She asked me if I wanted my money refunded since I had canceled it or if I wanted it credited to my account. I told her that I wanted it credited to my XXXX account instead of my bank account. She sent an email to Client Services on XX/XX/2021 and told me it took 24 hours for it to update. I checked my account today XX/XX/2021 and it still has not been credited to my XXXX account. Therefore, I called and spoke to customer service again and now they are telling me it takes 48 to 72 business hours instead of days. I think that is absolutely ridiculous and have never heard of anything like that.
07/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 380XX
Web
This complaint is associated with complaint # XXXX and XXXX. Continental Finance and XXXX XXXX revolving account has not giving me a reasonable answer as to why my payment to this account is not being reported in a timely, accurate manner. I have spoken with Continental Finance/XXXX Credit Card and XXXX repeatedly about this concern. I finally was able to speak with XXXX at extension # XXXX from Continental Finance. He had reached out to the Continental Finance/XXXX Credit Card department that handles disputes, complaint, and reporting agency issues, on my behalf. He followed back up with me today XX/XX/2018 to tell me that XXXX needs to unfreeze my tradeline because any dispute that I have open will cause my file to not be updated. He explains that this is what has happened in the last three months. My disputes in the past has caused the credit card company and XXXX to block any updates to my account. Continental Finance/XXXX has confirmed this issue is due to XXXX XXXX system and XXXX has confirmed that the an issue is with Continental Finance 's system. My account has not been update with my XXXX credit report since XX/XX/2018.
02/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • XXXXX
Web
A fraudulent charge was reported to XXXX, the company whom handles fraud claims for XXXX XXXX, Continental Finance. The details are included here : XXXX XXXX {$350.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX This charge was reported to XXXX along with another charge from XXXX on XX/XX/XXXX, which was credited back on XX/XX/XXXX in the amount of {$370.00}. However, the XXXX charge still remains outstanding. I was told to speak with a XXXX in fraud at XXXX, ext XXXX, two messages were left and none returned. I've since spoken with several customer services reps as well as a supervisor as of yesterday, XX/XX/XXXX, additional messages were left for her. It appears the XXXX dept does not return calls and appears to be an issue with the XXXX charge itself. I've reached out to the merchant, was told a phone was ordered which I have not received and have no use for as I already own a cell phone. This was explained to XXXX rep ( s ), was advised to inform bank of fraud, which I already have.. Unfortunately, reps in fraud do not seem to return calls so there is no way of know what is going on with regard to this charge.
08/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 78504
Web
A credit card account was fraudulently established with Continental Finance Company , LLC using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with Continental to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from Continental responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from Continental confirming the removal of the account. I contacted Continental 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. Continental repeatedly refuses to provide any contacts within the company that can resolve this issue.
11/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 28117
Web Servicemember
The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
09/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NJ
  • 08753
Web
I made a payment on due date of XX/XX/XXXX. On their app it stated {$10.00} minimum due. On auto pay. I paid that. There was only {$39.00} used on the card at the time. I check back now XX/XX/XXXX and it says {$88.00} due past due. No notification, no phone call, nothing. I called them today. At first I called and after going through prompts continental finance it seemed like someone picked up the call and I heard background noise but no answer for like 5 mins. 2nd time I called I was eventually transferred to a lady who told me that minimum {$35.00} you paid less. I told her auto pay said 10 was minimum which I paid. She was firm and didn't refund my late fee. I ve been with this company for almost 3 years. I've paid my bill on time almost every month. At worse maybe 4 or days late but even through COVID I always tried to make it a priority to pay them on time. Made a lot money off my back with their interest. They have yet to give me any increases on my limit and shown me they don't value me. I can't cancel the card as it will hurt my credit age but I am disgusted with them and would like something done.
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 452XX
Web
This debt buying company, XXXX XXXX, recently added a derogatory account to my credit report. All three bureaus, in fact. They say I have an {$870.00} debt with a XXXX XXXX dating back to XXXX. Upon checking my credit scores, no debt with this information appeared before XXXX. The company reportedly bought it back in XXXX of XXXX. I received notice of a debt collection on my credit report on XXXX of XXXX. I quickly started disputes with XXXX and XXXX, XXXX did not show a new mark but did drop my score XXXX points. I reported a fraudulent act to these bureaus and was told it would be 30 days. I reached out to this parasite company and told them that I never had a XXXX XXXX and that this card had been fraudulently opened without my permission. 7 years ago, according to them. They said they'd mark it as fraudulent. I have NEVER had a XXXX XXXX, I would think the proof would be as simple as the credit bureau checking through my information and seeing that that card has never reported on my credit report. Surely, if I defaulted on a credit card, I would have heard about it before 7 years had passed, right?
07/07/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37076
Web
I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).
06/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web Servicemember
NOTICE OF DISPUTE! I had a credit card account with CELTIC BANK which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that XXXX IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't Celtic Bank have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {XXXX XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like Celtic Bank did with me.
11/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39212
Web
I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them XXXX. I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.
06/10/2015 Yes
  • Credit card
  • Late fee
  • CA
  • 956XX
Web
good evening, First on XX/XX/2015 i applied and was approved for the Verve credit card throughContinental Finance.After activation " the rep said we have charged your account XXXX '' stunned i " said why so much?? this rude women said very fast XXXX monthly maintance fee,XXXX if i call to make payment over the phone, and i now have to pay XXXX up front " i said no i 'm gon na wait till my due date '' .Which brings me forward to XX/XX/2015, I madeXXXXXXXX online payment to them, well i was not aware you could not use a debit card .... so they waited uXXXXtil XXXX XXXX XXXX " said you went in and deleted your debit card on line and put in your checking account number right? " I said yes because your site did not mention this.. very rudely the gettleman said that because i now paid 2 days early and changed the amount from XXXX to XXXX mind you the amount is only XXXX well i have to send XXXX XXXX or money gram of return fee of XXXX on top of the XXXX to make up for the XXXX that never even cleared bank of america.Meanwhile the revolked my account and reported me to credit bureau for XXXX and being late.
02/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • XXXXX
Web
5 years ago I got a HELOC to pay off some credit card debt. 1 of the ones paid off was XXXX XXXX. Seeing how it was paid off from funds through a HELOC I have the amount written in a check register. I do not have access to a canceled check because the bank I had atvthat time has since been sold. I explained to these people that they were paid in full 5 years ago. About 1 year ago they have started putting on my credit report that I still owe them and I do not!! Why would they wait 4 years to notify someone they owe them. Think what I just stated. They waited 4 years after I paid them to say I didn't pay them. Would you wait 4 years to report a bad debt. I have been and will keep disputing this debt. I do not owe them not 1 penny. I'm sick of the constant false reporting on my credit and I'm sick of the harassing calls. Now they are sending stuff to my wife who had nothing to do with my debt that has been paid. It needs to stop now or else. I'm so sick of being harassed by XXXX XXXX and the companies they have supposedly sold my debt to. They need to leave me alone. I'm not giving them any more money.
09/24/2016 Yes
  • Credit card
  • Late fee
  • NY
  • 11550
Web
XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.
01/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • NH
  • 03301
Web Older American, Servicemember
XXXX XXXX XXXX, also known as XXXX XXXX. I paid this account off with a zero balance and closed this card myself. Then mysteriously a new charge in the amount of {$580.00} appeared from new jersey I reported fraud and Verve said they correct this. This never happened and they continue to destroy my credit scores. I also sent several letters to Continental Finance LLC and XXXX and no response, with copies of their paid off letters and the fraudulent charge on my account. I live in New Hampshire and this charge was made in New Jersey. I called the so-called number and reported this on six occasions to their representatives and they all hang up however one person slipped up and gave me a different account number that was taken out in my name. XXXX is a fraudulent company. I also requested disputes from XXXX and XXXX and XXXX credit reporting agencies they denied my disputes and continue to harm my credit standings. I received a credit refund for {$400.00} and then I was charged one month later for the same amount, along with a late fee and notice on my credit reports implying this was my fault.
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • OH
  • 43016
Web Older American
I made a payment yesterday for the amount of {$150.00} to my XXXXContinentalFinance Mastercard credit card. This amount has already cleared my checking account but Surge isnt releasing the available credit line that should be available to me. This has never been a problem in the past when I have made a payment the same exact way. When I called them they stated they had recently change their policy. It now takes two business days for the new credit line amount to be available. That is unacceptable to me if they already have been paid by me. They also said that I could make a payment by using a debit card but that option isnt available on their website only by calling in to talk to a customer service rep and paying a fee to process a payment with them. This is totally unfair to me as their customer. I have been an excellent paying customer since I open this credit card. Please call them to get this issue resolves See attached document that show Continental Finance who is XXXX has been paid {$150.00}. This isnt a pending charge. The amount of {$150.00} has been taken from my checking account.
03/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 194XX
Web
Hi, My debt was sold by XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX , XXXX. I managed to find their contact information through the XXXX ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about XXXX XXXX XXXX. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. Please refer to this link to the XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX If you're able to help shed light on this situation, I would greatly appreciate it.
08/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 43614
Web Older American
I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 902XX
Web
I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the immediate correction of the information posted in three credit bureaus.
09/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 554XX
Web
I received a 30 day late notice on my XX/XX/XXXX payment from Continental Finance after successfully making my payment within the " CFC '' app. Once I received the notice, I called their customer service team and they informed me that I would need to send in a fax stating what happened and it would be reviewed/taken care of. I sent in a fax on XX/XX/XXXX and was told that it would take 72 hours to review the fax with a decision. 1 week went by and I heard nothing from the company. I then called back in and another customer service representative directed me to send in another fax because the initial one had not been received. I proceeded to send in another fax on XXXX. I followed up with calls and was told by 4 different customer service representatives that they would follow up with an answer. I never received a follow up call from the reps so I called back in on XX/XX/XXXX. on XX/XX/XXXX I was told that the fax hasn't been received and I would need to send in another fax. I am in the process of applying for a mortgage and this 30 day late is stopping me from getting good rates.
06/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • NJ
  • 074XX
Web Older American
On XX/XX/XXXX I received a call from Matrix Card Continental Finance saying that my card payment is past due. I pay my cards every month on time. She said it was the {$12.00} monthly fee and she would only take payment on the {$12.00} fee for XX/XX/XXXX and also for XX/XX/XXXX and a late fee for a total of {$35.00}. This is absurd! When I try to use the card most vendors do not take it. It is extremely embarrassing to give a vendor your card knowing there is NO balance and it being declined. In speaking to the customer service rep she gave me attitude and we had it out. I told her I would pay my bill online. When I went online I was unable to access the account and after speaking to a new customer service rep she too was unable to access or allow me into the system. I am not exactly sure why I keep it open other than to allow my daughter to use it. THIS IS ABSOLUTELY THE WORST CREDIT CARD! After being told I would have to request the account be reinstated and a new account had to be started, that was all a lie. I paid the fee and all they did was reinstate the existing account.
11/15/2015 Yes
  • Credit card
  • Other
  • MI
  • 49009
Web Older American
About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.
11/09/2015 No
  • Credit card
  • Bankruptcy
  • UT
  • 84118
Web
In XXXX 2015 I filed chapter XXXX bankruptcy due to medical issues and overwhelming medical bills. Contental finace was included in my chapter XXXX, They have refused to listen that I am in bankruptcy and continue to add illegal fees. I have been harrassed non stop by collection agencys for them who all refuse to even take down my bankruptcy case number or attorney information. On XXXX/XXXX/2015 as i was waiting to go into surgery, at about XXXX MT, I recieved a call from XXXX claiming to be attorneys hired by contential finance as I am in breach of contract. As teh person i spoke with was in no was fammiliar with the laws in regards to bankruptcy and again REFUSED to take my case number or attorneys name. I called him out on not really being an attorney. They became Irrate and refused to even listen to the my rights or the laws. Refusing to take down the information does not make contential finance immune from the automatic stay and does not entitle them to keep trying to collect and add fees that are not legal. they need to stop these clear violations of my rights asap.
07/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 77477
Web Servicemember
I will start by saying Continental Finance just IGNORED me first, and then sent me a standard rejection letter. I always make sure and take care of my bills on time, however I had an unavoidable situation that occurred late last year. In XXXX of 2022, I became very ill, XXXX related, and was bed ridden for 3 weeks. I could not walk, much less leave the house. Needless to say, I fell behind on some bills, one of them was my Continental Finance account. I am also a Veteran of United States XXXX, retired on XXXX. All i wanted was mercy for ONE month, i am still a customer, and i have paid on time every other month, before and after my one late payment. Their response, they are required to report accurate information to the credit bureau. I understand that, but i also know they are lying. Credit card companies often time forgive late payments on credit cards, they just can not be bothered helping a single mother, veteran on disability, trying to purchase a home, with one late payment. I think this is unreasonable. I will attach my letters and lastly their " response ''.
01/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • DE
  • 19702
Web
I had fraud on my account in XXXX. In XXXX a new card was issued to me and the full balance was transferred to my new card. Then credits were provided for the fraudulent charges equal to about XXXX. In XXXX the charges were reissued to my card seems they didnt document the card was lost/stolen and not in my possession. In XXXX I received a letter that the charges were credited dispute was resolved in my favor. I never received new credits after the rebill in XXXX. I have called this bank over 25 times spoken to mangers and mangers mangers. They all say they are submitting to the fraud department and I should see the credits within 2 days. Last time I called was about 20 days ago my account is overdrawn due to this my credit score has dropped over XXXX points due to this and I refuse to make another payment. They owe me the credits for the dispute being resolved in my favor. I also have an email for a XXXX who never answers supposedly he is working on mh case from day one. When I call the number on the letter from fraud department I get a voice mail no one calls back.
11/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 17356
Web
I originally had a late payment XX/XX/2022 in the amount of {$99.00}. I was going to pay the entire credit card off and close the account XX/XX/2022. I talked with a representative and they advised if I had paid {$100.00} they would delete the late payment from XXXX. However, they never did. I talked to a supervisor and tried to dispute but they insisted that they couldnt take the late payment off. After someone told me that they would, they even placed me on hold In XXXX to talk to someone higher up so Im not under standing where the confusion had gone. I asked if they could look in to the recorded call from XX/XX/2022 to investigate and they refused. When all calls are recorded and monitored. This is with XXXXXXXX XXXX XXXX. I even have a dispute report where they had changed the late payment from {$99.00} to {$0.00} being past due then a month later changed it back to being past due. The confirmation number with XXXX was XXXX. Where they reported {$0.00} for XX/XX/2022. Then XXXX is the confirmation number with XXXX where they put it back on my credit report.
03/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • TX
  • 76131
Web
I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0. One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on me.
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • ID
  • 83442
Web
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continental Finance Company LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78213
Web
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, Continental Credit, and Continental Finance Company , LLC notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92374
Web
I am a victim of identity theft. I am a victim of XXXX data breach i have had my account hacked many times here are some documents to prove and back support that 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
01/24/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NM
  • 870XX
Web Older American, Servicemember
About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either one of these accounts. I called XXXX XXXX XXXX and Continental Financial and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from XXXX XXXX Bank and Continental Financial Company. I am a XXXX veteran and this is aggravating my mental and emotional well-being.
01/20/2016 Yes
  • Prepaid card
  • General purpose card
  • Unauthorized transactions/trans. issues
  • MI
  • 48101
Web
I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. I would not recommend this company to anyone.
01/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • PA
  • 19144
Web
I believe in XX/XX/2021 someone applied for a surge credit card in my name and used it to the maximum limit of {$300.00}. However i was not aware until i started receiving calls from a number I did not recognize. This number would call really early in the morning or in the evening. Finally, I answered and they inquired about a payment. At that moment I let them know this card was fraudently opened. I asked them for the information they had on file ; they told me all my information. Everything was correct except my address. They had an address listed from a house I lived at five months ago. I went on to let them know i did not open this credit card. They informed me they would stop reporting this information on my credit report and close the account. They may have closed the account but it is still negatively affecting my credit report and is still listed. After doing my research i looked at their reviews on XXXX and I'm not the only person who has experienced this there are at least 25 people who have similar issues.
06/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19380
Web
My problem is with XXXX XXXX XXXX, It is a fraudulent company. It never allows me to get online and see my account. They consistently increase my balance and I haven't used my card. They only send spam and the online acct system NEVER works so I can nerver see my acct. It always sends me and all customers SPAM emails about late payment but my payments are not late. I have to call in my payments My last payment was on XX/XX/XXXX for {$68.00} by phone and and one week later they mailed me a letter and a bill for {$150.00} saying I was late but my next payment wasn't due till the end of XXXX. They frequently claim their system is down and can not give account info and as of this month ( XX/XX/2022 ), they say this to their customers everyday. They also refused to close my account and continue to raise my balance even though I have not used my card in months.. I have also reported them to the XXXX I am trying to build my credit after Covid and I don't know what to do I just want to close my account ASAP Thank You
09/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 370XX
Web Servicemember
I closed both Continental Finance credit cards ( XXXX ) and ( XXXX ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.
12/06/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NY
  • 130XX
Web Servicemember
The amount of interest is 25 %. I had no problem with that until I kept getting hit even after making my minimum and/or extra payments interest charges on purchases even though I stop purchases on this card. Last month on top of my payments they charged me {$31.00} per month. This month XXXX I made a {$100.00} payment to try and help myself out with the balance that just drops minimally. I feel as if every month that I am being cheated for at least {$30.00}. So far they have made over {$300.00} in interest fees and other anonymous fees that I don't even know about. I am trying to pay this card off and they are cheating me month after month and I need some kind of relief. The credit limit on this card is {$1500.00}. I had no idea that every month that I pay my monthly payment that no matter what they are after me for that {$31.00} with no mercy in sight. Please help me find some justice help, and relief over these predatory lending interest charges plus fees that are being inflicted upon me without mercy. Thank you.
12/07/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IN
  • 47274
Web
I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.
07/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • ME
  • 049XX
Web Older American
I applied for and got a credit card to repair my credit after I made the first payment I requested a payment date for which would work for me and I wouldn't have the problem I have now on my first request they said they would change the date of payment to be received because my ssa check wouldn't be available till then nothing happened and they started raising my interest and late charges so I called them again and and again it took about four month to finally get the date changed by now evary payment I have been paying all went to interest and late charges.i just could not get down to my regular payment now instead of helping my credit I lost almost 100 points because of this I just can't seem to get caught up with them because of their lack of costumer support .and now I am thinking about bankruptcy .this might be my only option.my credit score is so low now I can't see it getting back up there. this was a bad choise getting this card but I did it to raise my credit score not lower it .Thank you
04/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80634
Web
My employer was contacted by someone representing a XXXX XXXX an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}! XXXX the company that currently hold the debt, would n't discuss anything with me and kept referring me about to XXXX 's office and the person at XXXX 's office said that everything had to be approved my XXXX . They kept running me in circles ...
07/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NY
  • 10452
Web
I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.
11/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 142XX
Web
I am repeatedly receiving phone calls 2 to 4 times a day form Cardservices, beginning at XXXX and going several times throughout the day from a XXXX phone number, which my area code is XXXX but cardservices is in New Mexico XXXX And this has been going on for over a month now. I've asked them repeatedly to STOP calling me. I've spoken to 4 agents including today XXXX today.. and told them all to 00 my number out of their system and to not call me again and I keep getting phone calls still repeatedly daily harassing me causing me XXXX and triggering my XXXX XXXX with XXXX. My account is not even in collections, its under credit protection and I've told them repeatedly that it is and I'm quite sure they see that my file. So the fact they keep calling is asinine. I WANT THE CALLS TO STOP.. and I want to be compensated for them breaking the law. My phone records every conversation and my phone ledger has tracked their number. They've called me an over 100 times in 4 weeks. This is ridiculous.
02/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 23222
Web
XX/XX/XXXX, I noticed XXXX XXXX company overcharge me for the rental I received. After contacting the CC company they stated they would help. No results, but in XX/XX/XXXX XXXX go to charge mt card 2 additional times after my dispute was filed and new card sent out because of unauthorized charges. XX/XX/XXXX the CC company stated someone had to give XXXX my new account information because thats the only way my account would keep being charged. After talking to their fraud department, they reimbursed me {$69.00} and was waiting for the conclusion of investigation to reimburse the other {$200.00} charge. The CC never reimbursed, I sent a couple of certified mailings asking if they can investigate and provide me with the details of their investigation. I received no responses and have emails where the fraud department acknowledge they have not even investigated the fraudulent charge. This email was back in XX/XX/XXXX and still no response after I bring it to the representative attention.
04/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33712
Web
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
03/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 06320
Web
According to emails from XXXX reps, a refund was supposedly issued for purchase made on XX/XX/XXXX, the amount of {$350.00}, has not posted to my XXXX account to date. The last email from XXXX rep, XXXX, on XX/XX/XXXX states refund was issued to prior card ending in XXXX. It is now XX/XX/XXXX and has not posted. Prior to this, I emailed rep in fraud/disputes by the name of XXXX XXXX, she was explained the above and emails from XXXX were forwarded on to her. Never the less, she placed charge back on to account, refused to review emails and or assist with dispute any further. This issued was detailed in prior CFPB complaints, still unresolved, last complaint was marked as duplicate to avoid addressing it and attached screen shots of emails from XXXX reps. I suspect rep replying on behalf of XXXX aka Continental Finance will also mark this complaint as duplicate, if so, I request CFPB investigate the bank for this behavior. I have attached screen shot of XXXX email showing refund
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • XXXXX
Web Older American
i have been a customer with this bank for over XXXX year. never miss and payment never late all way the balance in full, in XXXX my bill was XXXX in XXXX my payment was XXXX so therefore i pay the XXXX in XXXX i pay a XXXX on my account, in XXXX i pay XXXX. talk to the bank they stated that i have no payment for XX/XX/2024 that what so confuse is why there is no payment for XX/XX/2024. ti though that by my pay the XXXX a moth payment. that i did not owe any payment tile XXXX XXXX i apply for a credit limit increase. and they response back by e-mail reference # XXXX stated that your account has ad a past delinquency over the last XXXX month and i disagree with bank iam over pay by a XXXX, i believe that my next payment shall be in XX/XX/2024 for XXXX because i have pay XXXX in the last month the bank is wrong. that not how my credit card work/ the bank needed to correct this error. i do not miss any payment on any of my credit card and i got XXXX card. and they are never last
06/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 21207
Web Servicemember
While I was out-of-town, my identity was stolen and used for fraudulent purposes, included among this fraud was a purchase from XXXX XXXX for {$400.00} XXXX I immediately reported to the credit card company ; however, it did not conduct an immediate investigation as required by law. It was months before I atually heard anything from the credit XXXX company. In the interim, I contacted the company by telephone and was informed that the4 unauthorized transaction was removed from my account. Months later, by letter dated XXXX XXXX, 2022, the company informed me that I was being required to pay for said unauthorized transaction. Consequent, phone calls with the company regarding this issue only resulted promises of further investigation, which were not honored. Recent, phone calls to the company regarding this matter has resulted in me being informed that nothing further will be done about this and that I musty pay. I have been advised to sue and file this complaint.
09/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33647
Web
Company claims to be named XXXX XXXX XXXX and also says that they are direct validation services. Their phone number is XXXX. Company called and said that I had documentation and documents that were unable to be delivered to me and were requesting information from me to deliver said documents. Then they told me that this is from a debt that is over 6 years old and it's from 2016 for a credit card, XXXX XXXX or something to that effect. They told me that they had advised their client to shoot me is there client to shoe me for the amount of {$2600.00}. The debt is way beyond the statute of limitations of 5 years in Florida. I advise them of such and they told me that they would contact me via the court system and that I would have to pay over {$2800.00} in legal fees, {$2600.00} in a judgment, and other fees if I wanted to clear this from my name. They also advised me that I could be arrested at any time for this debt. They Gave me a file number of XXXX.
11/10/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 21113
Web Older American
I defaulted with a credit card, XXXX which is owed by XXXX XXXX. To pay off bad debt their collection agency XXXX XXXX contacted me. XXXX XXXX set up a payment arrangement for XXXX biweekly payments. In XX/XX/2020 my remaining balance was XXXX which I paid in full. XXXX XXXX sent me a confirmation of the payment and stated on-the receipt paid in full. XXXX XXXX stated the would contact XXXX XXXX of the account. being paid in full. XXXX XXXX states to date they never received payment from the collection agency XXXX XXXX. XXXX XXXX the collection agency state they notified XXXX XXXX of payment. XXXX XXXX sent me a fax number to fax all documents to them but the fax does not work. I mailed information to them. I filed a dispute with XXXX but their result stated the XXXX XXXX reporting wad correct. Please help me get this paid account updated. The account shows on my credit bureaus account derogatory, charge off XXXX which has been paid in full.
08/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 94590
Web Servicemember
Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of domestic violence and had to move but besides that I check all my credit reports XXXX, XXXX, XXXX and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
03/29/2016 Yes
  • Credit card
  • Other
  • OH
  • 44146
Web
This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 75253
Web
I opened an account with Celtic Bank/Continental Finance in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by Covid. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 8 years. This one late payment is causing me extreme hardship. I am hoping that Celtic Bank can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Celtic and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Celtic/continental finance XXXX Thank you for your time.
12/20/2016 Yes
  • Credit card
  • Payoff process
  • OH
  • 43232
Web
When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.
03/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33444
Web
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
04/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20721
Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 325XX
Web
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37207
Web
On XX/XX/2019, an inquiry was done using my social security number for a XXXX credit card through either XXXX XXXX or Continental Finance. I didnt not authorize this. I have tried to contact both companies and they tell me to contact each other regarding this matter. The only think XXXX XXXX could tell me, was that the inquiry was for a XXXX credit card. I finally called XXXX, and they told me to contact the companies. I stated that I have already tried and didnt get anywhere. XXXX told me that there was one other option, and that was to submit a complaint through this website. Again, I have tried and tried to contact everyone and all I get is call this company and this company. Can someone please dispute this inquiry. Im trying to rebuild my credit and this is hurting me. I have not authorized anything for any credit card. I dont even know anything about or heard of either one of these companies, XXXX XXXX or Continental Finance.
12/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • IL
  • 60563
Web
I received a guaranteed letter for a credit card of {$500.00}. Once they bring you to a " website '' for your approval, they take your information and then say you are declined and then try to get you to sign up for some other XXXX type of company. My girlfriend and myself are both subject to this. I now have a hit on my credit, I would be glad to share the misleading letter. It tells you your credit limit and everything. I have an approval from a much more reputable company, so I know my credit was good enough to get a card. I just want this off my credit and would like to be removed from their system. I would also like to know how they got my information. My personal opinion, companies like this should be held responsible for lying to consumers and effecting their life in such a bad way. I now have a credit pull and decline tied to my name because of them. Please help and please make them pay for their shady advertising tactics.
11/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • FL
  • 32548
Web
I paid off a XXXX credit card balance with Continental Finace. Then on XX/XX/XXXX, I noticed a {$96.00} fee. I called them on XX/XX/XXXX and paid it in full again and told them to close the account. Then, when I got my statement, I realized that the charge was for an annual fee beginning after I closed the account for the following year. I called and spoke to a rep on XX/XX/XXXX and he said it was a mistake for them to take the payment from me and it was already in the works to be processed back to me. I then called on XX/XX/XXXX to follow and the rep told me that she was very sorry it hadn't been taken care of and that a refund would be issued to my account within 72 hours. When that didn't happen, I called again and they said they didn't know why anyone would tell me that and that it takes 30 days to process and refund and I should have it no later than XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from them.
01/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30034
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor Continental Finance Company LLC Assignee of XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
06/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 63367
Web
Ive had this credit card for 5yrs with a {$500.00} limit and have never been offered a credit line increase. I called customer service on XX/XX/19 to inquire about an increase. The rep told me I was eligible for an increase and proceeded to ask for my income. I advised that my monthly income was {$6600.00}. He then told me that unfortunately my debt to income ratio did not meet their guidelines. I find that hard to believe considering that my credit cards are paid off and Ive never been late on my car and mortgage payments. I called back to speak with a different rep who advised that I have more income going out than I have coming in. IMPOSSIBLE! Im sure the first rep must have entered my income incorrectly. The 2nd rep told me theres nothing she can do and that I would receive a letter in 5-10 business days. I have credit cards with {$3000.00} credit limits with no problem, but all this company can offer me is {$500.00}.
06/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19154
Web
XXXX mastercard is charging me for an amount that they already refunded to to a charge made on my account that was not made by me. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged {$10.00} each month for XXXX which I did not purchase. I called and disputed these charges and XXXX refunded my account. I closed this account afterwards due to the annual fee and they reinstated these charges. I've called several times to resolve this and the last call I was informed that a supervisor would call me back ... This has not happened. I would like to file a complaint and know what my rights are as they are trying to extort money out of me because I simply closed the account. I have the letter of dispute and the final statement that shows a XXXX balance which should have been enough, but XXXX told me that it doesn't matter and the charges are valid. All files are electronic and now I can only access back to XX/XX/XXXX ... ..
12/29/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85296
Web
I MADE A PAYMENT ON THE XXXX FOR {$300.00} AND CANCELLED IT AND PROCEEDED TO MAKE ANOTHER PAYMENT FOR {$200.00}. THE PAYMENT {$300.00} WAS DEDUCTED FROM MY CHECKING ACCOUNT WHEN THE PAYMENT WAS CANCELLED. I CALLED XXXX XXXX/CONTINENTAL FINANCE ON XX/XX/XXXX TO ENSURE THAT THE PENDING AMOUNT WOULDN'T POST AND THEY ADVISED THAT IT WILL FALL OFF MY ACCOUNT. HOWEVER, IT POSTED LATE THAT EVENING. ON XX/XX/XXXX REACHED OUT TO XXXX AND THEY ADVISED THAT THEY WILL MAIL A CHECK AND THAT IT WOULD TAKE 5-7 BUSINESS DAYS. XXXX THAT I NEED THE FUNDS DEPOSITED BACK TO MY CHECKING ACCOUNT. I WAS TRANSFERRED OVER A MANAGER WHO COMPLETED A THREE WAY CALL WITH XXXX XXXX TO CONFIRM THE {$300.00} WAS POSTED. AGENT FROM XXXX XXXX CONFIRMED THAT THE PAYMENT POSTED ON THE XXXX FOR {$300.00}. HOWEVER THEY ARE STILL ASKING FOR DOCUMENTATION. SENT OVER PAYMENT INFO ON XX/XX/XXXX VIA FAX TO XXXX AND RECEIVED CONFIRMATION THAT THE FAX WENT THRU
03/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 20770
Web Servicemember
This company negligently allowed my credit card account ( ending XXXX ) data to be exposed to online criminals. Whereas the account was attacked and approximately {$700.00} USD was fraudulently charged. The card held a {$0.00} balance at the beginning of the year 2022 and fraudulent charges were made in the month of XXXX and continued into the month of XXXX. I notified the company 's fraud department of the incident and a new credit card was issued. However, after review of the card 's dashboard, fraudulent debt was transferred to the new account and additional fraudulent charges are present. At this time, company is refusing to allow me access to a detailed report of charges dating back to the beginning of the year- which would prove that fraudulent activities occurred. They are expecting payments on a current balance of {$350.00} So far, the company 's appears to be giving me runarounds and disconnecting calls.
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • CA
  • XXXXX
Web Older American
Continental Identity Monitoring Credit Protection XXXX Website : XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX Connected with my Continental Credit FIT Card added this service and I do not remember ever adding it. However, I have attempted to cancel it numerous times. Today I spoke with agent maned XXXX and she stated she could not cancel over the phone and I needed to do it in-line. But we could not locate WHERE to do it online. Every time I apply for credit it demands I send proof of identity numerous paperwork Identifying such as drivers listens, social security card, proof of residence etc. very annoying and is preventing me from applying for credit. I believe this bordered on fraud and or spam as I did not order this and have no means to cancel it. Please tell me what I can do or if you can contact them to cancel this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX
02/03/2017 Yes
  • Credit card
  • Customer service / Customer relations
  • FL
  • 33319
Web
I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33880
Web Servicemember
There is information on my XXXX, XXXX, XXXX and other Credit Reporting Agencies that need to be removed immediately. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between consumer and a person making the report are not supposed to be on my report as well. All of this is FEDERAL LAW, the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX XXXX XXXX XXXX Removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilities. I did not authorize or consent to any transactions as the consumer.
06/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89121
Web
This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account. To end this company does not have a license to collect anything in the state of NV.
12/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77021
Web
I made a payment of {$500.00} on XXXX to XXXX. On XXXX I reached out asking why the payment had not posted to my credit card. I was told the payment hold would release on XXXX and when I didn't see the payment posted, I called and was told the payment was returned by my bank as " account closed ''. I contacted my bank and they advised that sending that information to the bank was in error and they provided XXXX documentation that the {$500.00} was in fact taken out of my account and account was not closed. I called back to XXXX and requested a XXXX on XX/XX/XXXX who said that the bank documentation had been received, but the back office was reviewing the documentation give them 72 hours to credit the payment. Every time I have called them I get the same excuse. Two supervisors said they would reach out to me and it is now XX/XX/XXXX and my payment still has not been posted nor has any one called me back.
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • MD
  • 20874
Web
I had filed for hardship with Continental Finance and they sent me a letter that my payments would decrease after XX/XX/2023, however, it has not decreased at all. They are not conducting the due diligence stated in their letter that my payments for the XXXX card will be approximately {$29.00} and the XXXX card will be {$25.00} [ see attached ]. They never allow me to see the contract or the hardship program that I suppose to sign which their was no signature they are conducting fraud and deceptive practice. Ask them to provide you my signature now because I filed with CFPB they want me to pay regular payments ; Continental Finance is trying to charge me the same amount for the XXXX card {$42.00} and a XXXX card {$37.00}. They are being dishonest. I will be paid as stated in the letter that was sent. Contintial Fianance never provided me a copy of their hardship contract and their is no contract.
01/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NV
  • 89119
Web
I made a payment to Continental Finance ( XXXX XXXX XXXX ) on XX/XX/22 when I got my XXXX check and since I have had this card I have always made my payments to them every month but now they're harassing me for more by phoning, mail and email. I had to resign my job recently due to medical issues ( I worked XXXX XXXX XXXX XXXX ). I send them what I can as my husband became XXXXXXXX XXXX XXXX XXXX XXXX XXXX and isn't able to work and has filed for XXXX so we're down to just my income which I receive XXXX every month. Sometimes I get my money early and when I do I send them their money. I have sent a written letter letting them know that I sent them a payment and that they're harassment is a violation of the fair credit practices act and for them to stop harassing me and that they will get their money when I get mine. Plus they're charging me outrageous fees and interest. I am doing the best I can.
11/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 27455
Web Older American, Servicemember
According to my statements from the credit card company I started getting fraud charges on the card number ending in XXXX on XX/XX/, I called the company and reported the fraud. They closed the account and sent me a new card. I was advised that it could take up to 30 days for them to look into the fraud charges. Today is XX/XX/XXXX and I still have no resolution to this. I have called the credit card company three times, the last time was today ( XXXXXXXX ) when I requested a supervisor and was told there was none available and they would have someone call me ( which I did not receive ). On XX/XX/XXXX they charged me interest of {$29.00}, On XX/XX/ they charged me a late fee of {$28.00}. The interest and late fee was charged against fraud charges. On XXXXXXXX they gave me an amount of {$450.00}, the actual fraud amount is {$800.00} which is shown on the statements dated XX/XX/XXXX and XX/XX/.
07/12/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32303
Web
about couple of months ago i received a call from about a credit card that i had i think was charge off and was sent to another company and it was reopened with balance of {$1900.00} the guy ask me did i have knowledge of it i said a little bit.the guy said they sent me letters pretaning to this but i do n't recall he said to keep a judgement from going against me or garnishing my wages he would take the balance down to {$1200.00} i was nervious so i agreed to make payment but what i quote him at first was to high for me i could n't afford it.so we agreed on {$50.00} bi - weekly .i Sign the document by computer and i also had to give them my account # to the back for debiting.I can send you a copy of the contract.when i look the company up by name i think just and address and phone # came up.please let me know if i did the right thing or if anything can be done at this point please help if you can
05/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 302XX
Web
I just received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
04/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33444
Web
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
05/31/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IL
  • 60517
Web
I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from XXXX XXXX XXXX stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at XXXX I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.
09/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MO
  • 63116
Web
Signed up for the XXXX XXXX. Received XXXX XXXX. Had to call and pay XXXX processing fee to even access the credit limit. I did not even apply for this card so they illegally accessed my credit file. Upon payment they read the terms. It was clearly stated on a recorded line that the annual fee of {$99.00} would not occur until the 2nd year. After payment I looked online at my balance and seen that the {$99.00} was charged. Called and got all attitude and hateful people on the phone. No resolve. I also made a payment, their site clearly stated all ACH payments will post to your credit line in 5 days. I waited 6 and seen my limit was not adjusted. Called and got a rep who stated it was 7 days. I stated your website in FAQ clearly stated 5 days. She got snippy and said not her problem and hung up. The company is clearly out to get consumers and has no compassion or regard to regulations.
11/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NY
  • 13502
Web
Good day, I applied for the XXXX card on and around XX/XX/XXXX or the XXXX and was approved I have been in contact with XXXX since then, I had my original card sent back because XXXX did not honor my change of address in which they left this just in ladle for weeks until I contacted them back around XX/XX/XXXX to inform them why havent I received a letter or email concerning the original card being sent back to their offices. I then had to send proof of my new address to verify so they can issue a new card and I did so on XX/XX/XXXX as of XX/XX/XXXX it will be three months and I still dont have the physical card, I have informed them while on the phone that if I didnt contact them they would have closed my account and it would have affected my credit score I have several recordings of so called managers and customer service reps telling me several different things every time I called.
08/30/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 34952
Web Older American
On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant
11/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91706
Web
There was several attempts made to open accounts with different lenders. All of those attempts were fraudulent as i did not apply for them however now all of those are showing up as hard inquiries on my credit report. I have already filed a Fraud Alert with XXXX and they mentioned that they also send the alert to the other credit companies like XXXX. I also called XXXX to file a dispute with them and the file # is XXXX. My goal is to get all of the inquiries removed from my credit score as i did not apply for any of these accounts. These inquiries have already hurt my credit score and i would like to make sure they are removed since it was not me who applied. XXXX : 1. XXXX - XX/XX/18 2. XXXX XXXX. - XX/XX/18 3. XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18 XXXX : 1. XXXX XXXX XXXX - XX/XX/18 2. XXXX XXXX XXXX. - XX/XX/18 3. XXXX XXXX XXXX XXXX - XX/XX/18 4. XXXX XXXX - XX/XX/18
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32738
Web
Continental Finance has obtained and trafficked my nonpublic personal information without authority or my consent. Upon lawful request and in conjunction with my consumer rights, I have demanded that Continental Finance cease trafficking defaming and falsified statements to nonaffiliated third parties pursuant the FCRA and the Gramm Bliley Leach Act, but Continental Finance has refused to do so. Continental Finance never afforded the opportunity to avoid such communication and trafficking of my information. Continental Finance is intentionally ruining my credibility and reputation in order to coerce payment on an account that I do not own. Continental Finance has violated various FCRA laws including reporting items on a credit report that should not have been reported in the first place pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681a ( d ) ( 2 ) ( C ) AND 15 USC 1666.
05/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • LA
  • 710XX
Web
My card was comprised in XX/XX/2019. I called the credit card company and they would never cancel the card. I kept getting late fees and continued to get charges. I paid all the late fees and charges because it was negatively affecting my credit. I had the old card closed and a new one was to be reissued. I have not gotten the new card because I told them I dont want it. Even though, they issued a new number, and now the same thing has happened again. The new card is now comprised. The credit card company hangs up on me when I call about the pending transactions, and the only suggestion they have is to reissue a new card. Representative act like they cant hear you and hang up. This is a Continent Finance Card, and their customer service is not helpful at all. One representative said the transaction was on the old card and another said it was in the new card that hasnt been issued.
11/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 77396
Web
I will describe my complaint in short but accurate detail. See attachment for full details. The Original creditor, Continental Finance sent me XXXX emails stating that the account was charged off and sold to : Email dated XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX Email dated XX/XX/2017 ( XXXX. ) XXXX XXXX, XXXX. Both emails states that I should refer any future questions I have regarding the account to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. That is misleading, and deceptive practice. Violation of the ( FDCPA ). Continental Finance continue to report onto my credit report making it seems that I owe them. This reporting has been going on for XXXX years. This reporting is a detriment to my credit and character. Also. XXXX furnished my private and personal information to two debt collectors without my permission. Violation of the ( FCA ). See attachments for full details.
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29209
Web
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with Continental Finance Company whose is reporting a collection amount of {$1400.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
11/10/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33139
Web
On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating.
10/28/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48092
Web
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
07/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30297
Web
My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.
10/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MN
  • 56560
Web
I had clicked on a website that believed was a promotional offer for an unsecured XXXX credit limited credit card XXXX by XXXX XXXX and serviced by XXXX XXXX XXXX toompany. I applied and i was approved. The confirmation email looked cheap, it was formatted weird and looked unprofessional. Another red flag was the basis or explanation for the factors used to determine my credit worthiness, the report stated my credit score was XXXX. I knew it was way lower then that. Today is the 4th day since i applied and i was expecting the card, if it was going to arrive, itd arrive today but instead i received an email from a company called prosper thanking me for applying for a loan but iwas not approved. I never applied for a loan through prosper. There is no company link or contact address on the confirmation email i received for the XXXX card, just the website html address. XXXX
02/14/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • NY
  • XXXXX
Web
Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.
09/29/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 75216
Web
I had taken a credit card from Continental Finance worth about {$300.00} back in 2013. Once i read the fine print about the credit card, i called in to close it and pay off the balance of {$250.00} the rep told me " No '' and that he could not do that. Later the card went into collection and now here it is 4 years later and a law firm called me threaten to sue me for over {$4000.00} for this card that was worth {$300.00}. they called my job and told me they sent correspondence to an address i no longer live! they told me they were go to subpoena me and take me to court to garnish my wages. they called my job. i have no idea how they got this number but this should be against the law to take advantage of a person. Not only that, they have this on my credit report twice as if i had two cards with them and i never did. its fraud in my eyes and i want both of them removed
05/08/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • 06320
Web
My account with Continental Finance w as re-billed in the amount of XXXX on XXXX , this is for a disputed transaction, an item I did not receive. Apparently the merchant provided a response to dispute which I did not receive, was not provided. I was not given a chance to reply, my account was automatically re-billed without my knowledge. I found out about it after recently checking my account, it is currently over-limit due to this. The item in dispute, a mens XXXX watch, was not in package when received. I 've attached photos of XXXX box showing it empty. The merchant, XXXX , is known to send defective items and or empty watch boxes out. This is nothing new for them, its happened twice in the past. This information was provided in dispute, however, the bank does not seem to care as they have re-billed the amount without giving me the chance to reply in re.
06/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 08648
Web
On XX/XX/2021 I called in to Continental Finance Company regarding an annual fee, was in seek of a potential waiver or reduction. I explained to the representative that I would potentially consider closing my account because I dont use the card often. We had a discussion and he explained he was unable to grant a fee waiver. I ended the call. I never gave him authorization to close my account but I believe he did so out of retaliation because I hung up the phone. I mentioned I considered closing my account but did not state affirmatively that I wanted the account closed. I called back and spoke with a manager who reopened the account and escalated my complaint but I wanted to take it a step further because this rogue employee has negatively impacted my credit by lowering my available credit and now triggering a new account on my credit report when its actually aged.
02/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30189
Web
Someone made a {$190.00} fraud charge on my XXXX / Celtic / Continental credit card in XXXX. I reported the charge and they just kept sending me new cards without investigating. The balance continue to grow with late fees. I repeatedly called and Could not speak to the person who could fix the situation so I filed a complaint with the XXXX. In the meantime, it has been reported on my credit that I am currently {$99.00} past due and that I have a {$270.00} balance with the card co and I do not. I have contacted them again and again and disputed with all 3 credit bureaus and they can not get the company to provide update information. I have it on my phone, it shows paid and credits/ adjustments where they issued credits for the past due fees and charges. It is obviously this credit card company that is the issue since none of the disputes have rectified the problem.
12/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • FL
  • 33134
Web Older American
Over 3 months I been train to resolve a problem with XXXX Credit Card and nothing has been doing, I find out 3 months ago went I received my stamen I found I have fraud charges in my account I call customer services and they told me they will open investigation they cancel my card and send me a new one next month I call because nothing happened they told me the investigation is on process this month again nothing happened this month I call ageing and agent XXXX told me I have to speck with XXXX at XXXX but this is a recording line and not body answer the call, in the mid time I been charge with late feet and interest. I don't have other to report to you agency for help. Thank you for your attention to this matter. XXXX XXXX XXXX Account ending XXXX ( new Card number ) XXXX Crdit Card XXXX XXXX XXXX XXXX XXXX IL XXXX Continental Finance XXXX XXXX XXXX XXXX NY XXXX
01/05/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22314
Web Older American
XXXX XXXX. Received call from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, trying to deliver papers for me to sign from company named XXXX XXXX XXXX. I asked what papers. He said he didn't know. Gave some file # XXXX. Told him I didn't sign papers don't know abt. Did a check on them found out since 2008 same people doing same thing to others. Another call XX/XX/XXXX. Same number, XXXX XXXX XXXX. I asked for company name address guy wouldnt give it to me.Told him not to call back. He gets angry say I owe some debt from " XXXX '' which I don't. Gave a date over 10 yrs. Told him not to call back. He gets angry, name calling. I record some part of message. Seems these guys been doing this for years. XXXX. I blocked number. I don't owe XXXX. Need to request Do Not Contact. Trying to collect debts that may have been written off. Request an investigation to stop calls.
07/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31088
Web
I called months back when I was in a financial bind and asked if they had any programs to allow me to pay but without hurting my credit. I was advised when I asked multiple times as my account was current and is still current that I did not want to enter into any financial program or agreement if it would report adverse or negative on my credit. I was promised it would not. however I pulled my free annual credit report and discovered I was lied to. this account is reported as a adverse account which is harming my credit. if I was not lied to I would have just left the account alone as I was current and still am. I have never had a late reported. but because it has a remark now saying paying partial agreement its showing as a adverse. this is frustrating when I asked numerous times and was basically lied to and now my credit is taking a hit.
01/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 948XX
Web
I have a Surge Card from Continental Finance and as usual I made a minimum payment due ( {$28.00} ) like I always do every month and they couldnt process the payment 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and my payment wasnt posted on the account which resulted in late payments on my credit report. Honestly I thought that my payments were going through and one day while checking my credit report, I noticed that they reported me late 3 times on payments and I even called them many times and stated the problem which was due to their system and they told me they couldnt help me with it. I always made the payments on time but it was some problem on their system and I am the one whose credit report shows 3 late payments. I even called in today and they said theres nothing they could do and they want me to dispute to the credit bureaus instead!!
11/16/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 34983
Web
This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.
09/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • NV
  • 89103
Web
I applied for a credit card from XXXX in approximately late XXXX or early XX/XX/2023 to start rebuilding my credit. When I initially applied, I had a different phone number. However, I had to change my phone # prior to receiving the card. When the card finally arrived, I contacted the cc company and told them I needed to update my phone # so I could activate the card. Well, I was instructed to email them proof of my new phone number and it would take less than a week to complete. It's been well over a month since all this started and my number still has not been updated which means I still can't activate the card. I keep being told the same thing. I would prefer not to deal with XXXX, however, if I close my acct it will adversely impact my credit. I need them to complete the process. It's causing me undo stress. I appreciate your assistance.
08/17/2015 Yes
  • Credit card
  • Billing disputes
  • CT
  • 06320
Web
A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX
01/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 64155
Web
I have sent requests and information to a collection agency notifying them that I had never had or applied or had any knowledge of the credit card or its & XXXX debt. So far they have been intransigent and have never supplied any documentation to verify. It is hurting my credit score for something I did not have or apply for or use. I am evidently, a victim of someone using my name and social security number. The collection Company is named XXXX XXXX XXXX and regards a credit card called " XXXX ''. I have gone through the respective credit reporting agencies and have no address for this collection company. I have disputed numerous times over the last several months, to no avail. I understand when a debt is owed but causing me such trouble and time for something I have not done is not warranted. Any assistance is appreciated. Thank you.
12/07/2015 Yes
  • Credit card
  • Delinquent account
  • AL
  • 36869
Web
I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 193XX
Web
I never opened a credit card with XXXX XXXX issued by Continental Finance under Celtic Bank. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is not mine and is a result of confirmed identity theft.
06/21/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 207XX
Web Servicemember
On XX/XX/XXXX I called card servicing for my XXXX and XXXX Cards continental finance. I made a payment on both cards prior to their due dates. On XX/XX/XXXX I received a credit alert that I had a delinquent account. After reviewing the alert I contact continental finance to advise that I made my payment. Instead of the customer service representative applying the payments as requested one to each account. They applied both payments to the XXXX Card. This happen to me in XX/XX/XXXX on the XXXX Card they claim that I missed a payment and have been reporting such. I suspect in this case they applied the payment to my mother 's account as I also call in payments for her account. I suspect that the same thing happened in this case. This behavior is unacceptable and could cause people to have damaged credit due to this types of mistakes.
04/18/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19140
Web Servicemember
I am a customer of continental finance, by way of Celtic bank.On or around XX/XX/XXXX, I disputed a charge of {$620.00} with my credit card department. Followed all procedures and answered all questions. On or about XX/XX/XXXX the dispute was finalized in my favor and I was awarded a credit of {$620.00} and also was sent a letter stating so. I then called in the following month, XX/XX/XXXX, and was disgraced to find out that the disputed balance of {$620.00}, had been reapplied to my account. This reapplication then created a balance owed of {$1800.00}, taking me over my credit limit. This is the only card I have in a negative status as I have worked hard over the last 2years to rebuild my credit. This also came at the worst time and disqualified me from the ability to purchase a home. This has effected me as well as my family.
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75254
Web
There was a {$500.00} Credit Limit card that was issued by Continental Finance. I never received or used such card. XX/XX/XXXX There is now a balance of over $ XXXX default/collections. My credit score has declined by over XXXX points. I have disputed via all 3 credit bureaus ( XXXX and sent certified letters to finance companyboth verified info. ( XX/XX/XXXX ) The info that was provided was not my phone number or email used when applying for credit card. The charges show payments to card company In astronomical amounts. Please help me because I am not able to receive funding for my business or dental funding because of this discrepancy. Its completely ruined my life and livelihood. I do not believe my account has been thoroughly investigated by XXXX, XXXX, XXXX, XXXX XXXX, The Bank XXXX XXXX or XXXX issuing company.
03/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 11207
Web
I contact reflex credit card and let them know that I was no longer working and I applied for unemployment. Unemployment still never paid me because DMV put my numbers in wrong and I have an appointment on the XXXX day of XXXX to correct my driver 's license. I notified reflex credit card and told them I'm still waiting for unemployment and I still didn't receive it then they made an agreement with me to pay {$310.00} on the XXXX day of XXXX for a {$500.00} credit limit card I paid the {$310.00}, they promised to restore my account and to date they still have not restored my online account privilege. I want them to stop lying to the customer to get what they want and then they didn't but they didn't answer the phone when XXXX from customer service called them more than 5 times 2 ask why didn't they reinstate My account.
03/14/2017 Yes
  • Credit card
  • Other fee
  • NY
  • 10031
Web
Good day, I paid my XXXX Master Card, under Continental Financial, credit card bill in full on XXXX XXXX, 2017, before it was due and on XXXX XXXX, 2017, I was charged a {$10.00} " monthly maintenance fee '' so I contacted XXXX Credit Card customer service, on XXXX XXXX, at XXXX, and inquired about a monthly fee when the balance is XXXX and the customer representative informed me that every month I will be charged {$10.00}. I think that is not only unfair but unscrupulous practices. I paid off my credit card in full to increase my credit score and increase my available credit, but now I will close my account immediately after I pay this insane {$10.00} fee to maintain my account ; when there is absolutely nothing to maintain. I will continue to complain and shed light on these practices. Thank you and have a wonderful day.
11/06/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • PA
  • 189XX
Web
Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 335XX
Web
Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this XXXX XXXXXXXX XXXX Continental Bank-Celtic Bank that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
10/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 92345
Web Servicemember
# 1 on XX/XX/21 I contacted XXXX XXXX XXXX ( continental finance ) because of fraudulent card payment activity on my credit card. I spoke with several representative and explained to them that there was a payment of {$460.00} and a payment of {$520.00} made out of my bank account that was not authorized by me. The account was closed and I was issued a new card but still charged 2 separate {$30.00} stop payment fees. # 2 on XX/XX/21 I received to separate emails from continental finance confirming my payment to the card for {$140.00} and another payment of {$340.00}. Also the name on my account has been changed to XXXX XXXX. I contacted continental finance and nothing was done about the charges and my account is compromised by this company including my social security number, home address and bank account information.
06/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32811
Web
My mother was contacted, my work was contacted and i was contacted from a company that claimed to be a place that served papers! They said they were serving me at work and my home or i could settle this debt today outside of court! They put me on hold several times to supposedly look up the information for the case! The number they gave was connected to a law office in ny and i live in florida! Then they told me about a old debt not even on my credit report anymore! I chose to settle so i could stay out of court but they did not send any paperwork or reciept as they claimed they would! I reported to my credit card company so i can dispute the charge! XXXX XXXXXXXX XXXX XXXXXXXX is the company but it shows up as only XXXX on the charge! I feel i was scammed and my family and myself were harrassed illegally! XXXX XXXX
04/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 303XX
Web Servicemember
I called customer care because I noticed an incorrect minimum payment due of {$63.00} but my minimum is always $ XXXX/month and I've never been late for my XXXX credit card. I spoke with XXXX ( ID : XXXX ) and explained that i was in the hospital and as soon as i was released i submitted payment but I also let her know I had called in and told them about the surgery. My account was assesses a {$28.00} late fee which is incorrect. XXXX was able to reverse the late fee but was unaware of how to ensure there is no late reporting to my credit report nor was able to reverse the minimum payment of {$63.00}. She said she could not guarantee the balance would be corrected nor would she able to ensure I would not be charged a new late fee because I refuse to pay the extra {$23.00} after I made a payment of {$40.00} already.
08/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • CA
  • 94549
Web
XXXX / Continental Finance has done the following : 1 ) After paying off my entire balance they added the Annual Fee charge of {$99.00} to my account and backdated it on my statement. 2 ) They never sent statements for me to know that there was an additional costs. 3 ) Then I called on XX/XX/XXXX and found out that I had a 30 day late via a credit alert 4 ) I called and asked them to remove the late fees since I didn't see a statement and I paid the balance off in XXXX, as well as they needed to remove the fees and the late payment. 5 ) They removed both late fees but refused to remove the late fee caused by their negligence 6 ) XX/XX/XXXX I process a payment to pay off the account again and the payment is cancelled 7 ) I processed the payment again on XX/XX/XXXX and they still refused to honor their mistake
10/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 31904
Web Servicemember
I opened a XXXX credit card issued by Continental Finance in or around late XXXX early XXXX. It did not have a high credit limit so when I started to become ill I paid it off completely with no intention of using it again. I lost my vision in XX/XX/XXXX after contracting Covid-19 and am now 100 % XXXX. My spouse informed me that XXXX aka Continental Finance has a collection /charge off for an unknown amount which is impossible, unless it has been fraudulently used. I lost my wallet while in the hospital in XXXX and I can't get any information from this bank as to why they claim I owe them money after the account was paid in full. I do not have my account number. I am attaching a copy of my bank statement showing the amount paid. I am hopeful that I can get this resolved with the help of the CFPB. Thank you
06/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 92571
Web
On XX/XX/XXXX, I received a phone call at work at XXXX local time from a " local '' number. XXXX. The lady on the phone told me they have been to my house to deliver legal papers but nobody was home and I need to schedule delivery ( she told me she is a courier ). She also said she talked to my supervisor. I could either schedule delivery with her or call the office that is trying to deliver these legal documents at XXXX and give them case file XXXX and to talk to XXXX XXXX. I called the XXXX number. Found out it was a debt collector. They are trying to collect on a credit card debt that was past due since XXXX. The lady told me she is going to sue me and threated legal action against me. I live in California and told them this debt was past the statue of limitations and she said she never heard of this.
10/13/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30339
Web Servicemember
To whom it may concern, This is a good will letter asking for Celtic Bank XXXX credit card to remove the 30 day late payment from credit file. I am currently undergoing XXXX and had no one to assist me in paying my bills. This 30 day late has dropped my score significantly and I need special financing on medical equipment and they wont approve me due to the 30 day late payment. I am inXX/XX/XXXX need of this life changing device. Medical insurance is not covering the entire cost and ai have to finance the rest. Going forward I have set up automated payments so this wont happened again. Please excuse this 30 day late and have it removed from my credit file so I can get financing on my medical equipment. At the time of this payment I couldnt even walk and had a breathing tube down my nose. Thanks in advance
10/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • LA
  • 714XX
Web Servicemember
On XX/XX/2022 I emailed the documentation in regards to the SCRA Act for service members and there families. I faxed over the enlistment documentation for my husband showing his military status and I asked them too lower the interest rate accordingly and also to retro back the fees that was accrued doing the time before the documentation was submitted. Every other credit card company, loan, and even mortgage adhere to the law and I received the 6 % rate with all the fees retro back to me. Every time I called this company I talked to 3 different customer relations managers. There names were XXXX, XXXX, and XXXX. XXXX and XXXX were very helpful but XXXX was arrogant, rude, and snobby! I've called them over the last 3 weeks and they keep giving me excuses as to why I cant or shouldn't receive retro pay.
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28052
Web
Continental XXXX : reported a charge off. On my account at 120 days. But wasn't suppose to close account until 150 day. I called and paid account which rep. Didn't tell me the account was close. And if i pay my card will be ready for use. The next day i called to try to get late forgiveness to remove late payments to my credit report. The rep told me it was charged off. So i reported it to the bbb. And the supervisor listened to the recording of me and rep. So they decided to remove the charge off and reverse my account from charge off back to open and paid. Not report a new account. That dropped my score 70 something points for a new a account and the charge off is still reported. On my credit report and when i disputed it. It came back as change off with experian. Even though it has been reversed
09/24/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • PA
  • 17603
Web
I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. off.
06/03/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • AL
  • 35160
Web Older American
Applied for Verve mastercardNever received cardCharged {$120.00} annual fee on XX/XX/2015 but never got card or activated it. Cardholder services said card mailed out XX/XX/2015, three days after i was charged. To me this should be illegal. This has happened to many people that i read about online. XX/XX/2015 the Consumer Financial Protection Bureau ( CFPB ) ordered Continental Finance Company LLC, a subprime credit card company based in Delaware, to refund an estimated XXXX to approximately XXXX consumers who were charged illegal credit card fees. The agency found that the company 's " fee-harvester '' subprime credit cards misrepresented certain fees and hit consumers with illegal charges. The order also requires the company to pay a civil penalty of {$250000.00}. they are still doing this!
05/01/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20745
Web
Debt was charged off by the company 12 Continental Financial in XX/XX/XXXX. Without my knowledge debt was re-opened by XXXX XXXX XXXX in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, XXXX reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with XXXX XXXX XXXX that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
10/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MS
  • 39452
Web
I applied for a surge credit card and was approved for a XXXX dollar limit. Once I received the card i webt thriugh the online account set up. But once I read the interest rate abd fees I hung up on the account activation specialist abd decided not to activate the card. HOWEVER, continental finance still activated my account and though the card was thrown away and never activated for use, they are saying I owe XXXX dollars with XXXX dollars past due. I never activated the card, I never fully opened the account. I decided I didn't like the terms. I thought The account would be closed when the card was not activated. If they did activate the card they never got my permission. AGAIN the card was never used but I have a XXXX dollar ballance? with XXXX due and XXXX past due? What? No way.
06/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IN
  • 46060
Web
I filed a complaint with this company before and I got a letter from them about the issue and now I have a new issue involving making payments. I logged in to pay off my credit card last month. Instead of the payment going through on that date, they posted the payment date as XX/XX/XXXX. It was showing in pending payments. So, I thought it would go through on Saturday, XX/XX/XXXX. I made sure I had enough funds in my checking account to cover the payment. The payment never went through. I went back to the website and the pending payment is gone and it shows I never made a payment so now I am late which means they can charge me a late fee. This is the issue I had before with this company. This company is fraudulent and actions should be taken. Actions need to be taken.
09/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90723
Web
Hello, My XXXX account was account was compromised ( XX/XX/2021 ) and an item was ordered fraudulent. I first called the merchant ( XX/XX/2021 ) and since the item was already shipped they advised that I file a dispute with my CC. When I called my CC ( XX/XX/2021 ), they did not want a police report nor had me sign any forms. They issued temporary credit, for {$770.00} after I filed the dispute. Now on XX/XX/2021, I received a letter dated XX/XX/2021 in which my CC company said the purchase was valid. And if I wanted to to speak to them to call them. The number they provide for the fraud department does not work. All calls go to voicemail and no one returns my call. I have called over 40 times and no one picks up in the fraud department nor do they return my calls.
03/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • RI
  • 028XX
Web
I purchased a vehicle XX/XX/XXXX The next day I was supposed to pickup the vehicle I decided not to go further with the purchase and cancelled the transaction The dealership already refunded XXXX $ I used my credit card XXXX $ to make it XXXX $ I notified credit card company the following week of cancellation of purchase and let them know I wanted to dispute the charges I called the credit card company various times and they just strung me along and lied to me I went to the car dealership yesterday XX/XX/XXXX and they said that they never heard from the credit card company I asked credit card company what reason they denied my claim they did not have one I did everything they asked of me now I'm paying interest in this charge and it is messing up my credit as well
12/19/2016 Yes
  • Credit card
  • Billing statement
  • NV
  • XXXXX
Web Older American
In XXXX I applied for and received a Verve credit card. On or about XXXX XXXX, 2016 I called and cancelled the card. I never activated the card and made no payments and I was told I would therefore owe nothing on the card. Nevertheless, on or about XXXX XXXX, 2016, I received a letter from Continental Finance indicating that I had a balance of {$120.00}, with a minimum payment of {$35.00} due on XXXX XXXX, 2016. When I called the customer service number from the back of the card, XXXX, I was told by the automated teller that the balance on the card was {$0.00} and no payment was due. I have been unable to reach a Continental Finance representative to discuss the discrepancy between the content of said letter and the information provided by the automated teller.
03/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NY
  • 10312
Web
On XX/XX/2019, I received a call from XXXX XXXX ( XXXX ) XXXX. The message when I answered said I may be a party to a claim and that I could lose my chance to collect on the claim if I didnt hit 1. I hit 1 and was transferred to a debt collector. I then asked for information to be mailed to me and they told me no. I then asked that they not contact me at this number and they said they could. I again asked that they mail me something and they still refused. When I told them the robo message was deceiving and I wanted the name of the Debt Collection agency and their license number they refused to give it to me and hung up on me. I looked this number and name up online and nothing comes up, so I am unsure how to even figure out who the debt collection agency is.
11/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TX
  • 78028
Web
There really wasn't any correct answers I could choose. I opened my account XX/XX/XXXX. At that time, I paid for my card and added credit protection. In XX/XX/XXXX we had a major Ice storm and I had asked to not have to pay my bill due to this and then the same in XXXX to get caught up. They said I could. then in XX/XX/XXXX I realized that I had a lot of late charges added. When I called them, they said that they never agreed to this. So I cancelled my card. On XX/XX/XXXX, they were still charging me credit protection, and I had to cancel that then. Now they have my payments so high that I can't make them. They are still charging me interest and late fee 's. I called and told them that I was filing a complaint and I would not be paying until I got a anwer.
05/12/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • DE
  • 19803
Web
Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.
10/24/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 294XX
Web
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28208
Web
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. XXXX DEPT Of ED Account # XXXX, XXXX XXXX XXXX account # XXXX, and Celtic Bank/ Contfinco Account XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit reporting Act.
12/27/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85375
Web Servicemember
I am being sued by a company ( XXXX XXXX XXXX that is not a registered entity in my state of AZ. The XXXXXXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor Continental Finance that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
04/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32726
Web
On XX/XX/2022, XXXX Continental Finance Conmpany LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
12/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77584
Web
I logged in to get a hold of my account. Both of my balances on my XXXX and XXXX cards are double the limits. I let them know this is a fraudulent payments and charges to my account. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem thats put me out of life for the last XXXX months. I have been battling a XXXX XXXX episode for the last XXXX months. I have been out of my day to day life with nobody available to help me make payments. I am trying to get myself back together now and made a payment only for my account to be severely damaged. I need access to credit all of this has destroyed my life. I need assistance with this. This has happened to my XXXX and XXXX credit cards
02/23/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 33647
Web
I received several calls on XXXX/XXXX/2017 from phone number XXXX and in the messages the individual states they are trying to deliver sealed documents that require my signature. When I called the number back, I spoke with XXXX XXXX. After confirming my name, he proceeded to discuss the debt. He never disclosed that this was an attempt to collect a debt and information would be used for that purpose. Also, when I advised him that I would need to do additional research and get back to them, he proceeded to tell me that he would put it down that I refused to pay. I explained to him that I have not refused to pay and he can not document that inaccurate information. He became belligerent and combative with me, at which time I disconnected the call.
01/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30815
Web Older American
my XX/XX/XXXX.payment was not received so they say .so i called they told me to send my bank statement so i fax it and still they is giving me the run around this is being going on for about 3 weeks they have the bank paper i fax the statement XXXX XXXX XXXX payede by phone XXXX dollars withdrew from my account on XXXX.got ready to pay for XXXX thats when i learned about itive called about 20 times talked to 20 difference peoples keep saying the same crazy stuff i dont understand what the problem is because they have the bank statementplus i want to sue them for stress this has took a tole on me i pay a XXXX dollars on this account every month never missed or late plus my credit when down about 40 point they said because of XXXX credit card
08/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IA
  • 514XX
Web
I was pre-approved through XXXX XXXX ... I applied this morning on XX/XX/XXXX ... it says I was denied due to having a duplicate application .... I called and a representative said I applied XX/XX/XXXX... It says you can't apply within 30 days ... 30 days from XX/XX/XXXX would have been XX/XX/XXXX ... Today is the XXXX... She told me they go by a different calendar so I would have to wait till XX/XX/XXXX .... That is 60 days from XX/XX/XXXX. She was so rude and wouldn't transfer me to a supervisor!! She said she had no way to!! They kept telling me to call back later due to system updates!! This company has been blowing up my email with pre-approvals and offers!! And then they can't even let me speak to a representative that will help me!
10/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • XXXXX
Web Older American, Servicemember
On XX/XX/XXXX, I contacted My XXXX XXXXredit card customer service ( XXXX is owned by Continental Finance ) to dispute a charge from XXXX XXXX, XXXX from XXXX for {$24.00}. I informed the agent this charge was not authorized. XXXX charged me for a membership which I cancelled timely, before the deadline and have an email notification to confirm this. Incredibly the agent would not file the dispute. I also complained about a {$40.00} late fee, that I was 2 days late on payment. {$40.00} late fee.. WOW! I explained to the agent I was not making anymore payments if I am not allowed to dispute a charge. The Agent sai d she would transfer me to a manager, but instead placed my on a very long hold, over 36 minutes before I finally hung up.
07/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19152
Web
Going back well over a year with XXXX XXXX credit card through XXXX XXXX XXXX someone ordered someone opened up numerous accounts and tried to pay my card off I've been trying literally for over a year without a card with multiple accounts open and someone trying to pay on it that certainly Bank I'm XXXX won't do anything I want this I want it resolve I even have a case number here that I that they keep giving me XXXX they keep giving me the same complaint number in case number what I want is you know my card back and all the charges taken off so I can start over or or {$20000.00} because this is this right here has caused me not to get a car loan and not to be able to move on with my life with with my house and mortgage and so forth
06/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • SC
  • 29418
Web Servicemember
I have made three attempts to pay my credit card through their online bill pay using my checking account number. The second time, I verified the numbers and tried again. It went pending for six days, which took me past the 30 day mark and added a late fee when they claim that the checking account number was wrong. They then instructed me that I could pay over the phone for a {$10.00} charge. They also refused to waive the late fee. I reentered the checking account number for the third time, had my wife look over it, and submitted two payments plus the late payment. It pended until it was late again. Now I am trying to get in touch with Continental finance to get this card paid off and shut down and they " can not locate my account ''.
11/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 557XX
Web
For the last XXXX weeks I get an email saying I need to make a payment when I made a payment on XX/XX/2023. They pulled the money for said payment XX/XX/2023. This is after they claim it takes 3 days to take the payment. They are trying to force the late fee and returned check fee and God knows what other fees to be paid immediately. I made a {$50.00} payment ; from the money that was in the account from the beginning of XXXX ; and it was confirmed paid and that left it at {$120.00} left to pay according to their system. Returned check fee is I think {$39.00} and late fee is {$29.00}. When those two are added, they do not add up to {$120.00}. Even when XXXX add in the payment I made, they do not add up to {$170.00} like they wanted.
06/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48336
Web
I have starting recieving calls from " XXXX XXXX XXXX '' ( XXXX ). The callers were very aggressive and demanding that I " verify '' my personal information so that they can share with me what they are calling for. I refused to verify my personal info with a strange caller and they refused to tell me what creditor they were calling for. They said I can go online to XXXX XXXX XXXX and I also called them back and another person answered the phone but knew exactly who I was and continued arguing with me because I wouldn't " verify '' my personal information. On the second call, they didn't ask for my personal info, but immediately stated that they were collecting for a specific credit card account that I do not owe a debt for.
01/31/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • UT
  • 846XX
Web
I really dont know what this is. It was continental finance company a MasterCard from the XXXX XXXX XXXX. XXXX XXXX management company is the person calling at XXXX XXXX XXXX is the partner at XXXX. I dont know what the account number is I do have my name, social and date of birth. I believe this is an old collection, or it was part of my bankruptcy. The lady says theyre filing a civil lawsuit against me and they keep repeatedly calling, they call me they call my husband they call my kids who are XXXX and XXXX. I dont know what this is and if theyre going to civilly sue me they should submit some information to me if its a debt over 10 years old I dont know why theyre still reaching out, or if it was part of the bankruptcy
05/22/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • OK
  • 73170
Web
I sent certified mail to Continental Finance XXXX, they signed for the mail. They elected not to respond. I went above my legal obligations in an effort to resole my concerns and to have the bank update there records. I emailed the vice president of customer service, she explained that they never got any correspondence from me. I explained I had the signature card. She explained it was my responsibility to send her a copy of said signature card. I reminded her it was not. She said she tried in good faith to respond. I then explained an example of good faith would be responding to mail they signed for. She disagreed and refused to remove said inquire and or provide proof I agreed to this company accessing my credit reports.
12/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94565
Web
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • PA
  • 159XX
Web
I paid off my credit card in XXXX and even LITERALLY chopped their card in half and at my expense sent it back to XXXX in Delaware. The rate 33 % and they just charged me {$100.00} for new years- my resolution is/was to close so i scrimped and saved and paid IT OFF. Then last night i get an email stating my card was used. I called FOUR TIMES and the third and final call on XXXX i was put on hold for over ten minutes. They maybe realized that i have no card so saying i used it is an impossibility. I called and did my due diligence yet they continue this chirade. i spoke with XXXX XXXX XXXX XXXX and a supervisor i did not write the name down however i have taken a screen shot of all my lost time over THEIR NEGLIGENCE!
07/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • XXXXX
Web Older American
A year ago, I opened a XXXX XXXX account, issued by XXXX XXXX, but serviced by XXXX XXXX. I immediately signed up for electronic billing so that there would be no postal delays in getting and paying the bills. I have never received notification that a monthly statement was available, including the one created on XX/XX/XXXX. I almost missed a payment date because of this. I spoke with Customer Service for months to no avail. For the last six plus months, I have been dealing with a gentleman in their Corporate office, who is also being stonewalled. Because of this, I closed the account in XX/XX/XXXX. All of this is handled by an outsourced company and no one can get any answers. What can be done about this?
04/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NY
  • 11357
Web Older American, Servicemember
I had a XXXX credit card from Continental Finance co. and because of hard times and illness could not pay it. They hired a company called XXXX XXXX XXXX XXXX. to harass me and my extended family members. They called my x-wife and grown daughter and told them they were looking for me with legal papers to serve. They have nothing to do with this. They also keep calling me with the same threat. They won't let up. I asked them to stop and send me some paperwork on this and they refused. Spoke to XXXX @ XXXX XXXX XXXX. They are clearly breaking the FDCPA law 15 u.s.c. 1692 against harassing the debtor. They call and say they standing outside my house ready to come in. This is crazy. Please help me with this situation.
12/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 92591
Web
I paid {$30.00} on this account, which was the amount due every month, before the due date.i was promised a increased, for no apparent reason, in addition to being charged {$99.00} a year and {$10.00} a month.Well after I made the payment, of $ XXXX.I decided to close this account. I never received a bill for {$37.00}, which they say was due and not the {$30.00}, which sound suspicious. I received a call stating you should have paid {$37.00}, not {$30.00}, and we are going to charge you {$29.00} late fee.I have been billed {$71.00} for the month of XX/XX/XXXXI am not going to pay, these people are scammers and take advantage of people with less than perfect credit.There was no description of a {$71.00} charge.
11/09/2016 Yes
  • Credit card
  • Transaction issue
  • CT
  • 066XX
Web
I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.
01/29/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • NV
  • 89523
Web
This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19401
Web
In accordance with the Fair Credit Reporting Act Continental Finance Co. XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
08/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 37130
Web
On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.
08/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30102
Web
I never received any communication from XXXX XXXX XXXX, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.
08/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 441XX
Web
They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. They begin again. They told me they will call my cell phone and job daily until I pay them. I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. They are very RUDE when they call and say I need to pay it all or nothing at all.
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • XXXXX
Web
I have a prior complaint against Cerulean about my credit protrction. I was previously told that my credit protection stsrted XXXX of this year, and it ends XX/XX/. Today I get a message saying a payment is due today. I called Cerulean and they confirmed I have credit protection on our recirded call XXXX but yet they changed me late fees XXXX through XXXX... yet no one will waive these late fees. IT'S BEEN CONTINUOUS ISSUES WITH THIS COMPANY. LATE FEES NEED TO BE WAIVED IMMEDIATELY AND PROPERLY REPORTED TO THE BEAURUS. IN THE RESPONSE TO THIS COMPLAINT I NEED A ACCURATE DATE OF WHEN MY CREDIT PROTECTION ENDS.I NEED TO ALSO VERIFY PAYMENTS HAS BEEN MADE ON MY ACCOUNT WHILE I HAD CREDIT PROTECTION.
03/09/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • OK
  • 73112
Web
I was contacted at work and given the number XXXX to contact about a case # XXXX. I called the number and gave the case #, I should not have given my social security number over the phone. There was no company greeting, just a " how can I direct your call '' I was transferred to a representative and was told that there was a judgement being filed against me. I was given the terms of the judgement. I asked for a payment plan, he placed me on hold and " spoke with the client '' they wanted to know when I could pay the money. He then started demanding my pay schedule at work. I said I would not give that information to him. he said fine I 'll just get it from the judgement. He then hung up the phone.
03/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 95501
Web Older American
Continental Finance Verve Card. Each time for the last three months I have attempted to make a payment on time. Each time my payment bounces. There is plenty of money in my bank account to pay for this, and in fact, the bank is not getting the charge - the bank is not charging me for a bounced account. Each time, there is a problem at Verve card 's end, where the information I have given them is not the information they are using to get my payment. I believe, since this has happened three times now, and I have checked and double checked that the Routing and MICR numbers are correct -- I believe they are doing this deliberately in order to extract late fees and retuned item fees from my account.
02/02/2017 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 32210
Web
Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.
02/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 915XX
Web
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Continental FIN CO, XXXX XXXX, and XXXX XXXX. The Account Opened is Continental Fin CO Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
12/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • MI
  • 49445
Web Older American
This company Continental FinanceXXXX has continued to blow smoke!!! They sent a letter stating they were going to lower my monthly payment, credit late fees back to XXXX and lower my interest rate. They have done nothing!!! I've tried emailing ( attached their email ) I did receive a call message back stating we are looking into this!!! I'm working with XXXX XXXX a debt consolidation company and have been since XXXX of 2022, I'm on social security XXXX and ran into some major issues. They just keep charging late fees, even though they are receiving payments that they supposedly accept, and outrageous interest that they supposedly were going to lower see attached letter!!! This needs to stop!
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 283XX
Web Servicemember
I contacted XXXX XXXX XXXX about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.
08/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32211
Web
XXXX " Law firm '' XXXX XXXX XXXX contacting Regarding XXXX. This agency has been calling. My Son, sister in law, neighbor, Son 's girlfriend and My workplace. Boss handed me a message. On a disputed debt from years ago. They are recorded as stating they plan to " serve me " at work yesterday. I spoke with them yesterday and today, still calling, still no papers. Still have not been served. Told them stop harassing me and STOP calling work, neighbors and people I do not know. They are giving out my address and name. I have not gotten information or detail. They just need to cease and desist at once before I collect XXXX each recorded incident. Prove who I owe and what.. or leave me alone.
03/14/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • FL
  • 33033
Web
Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. I need my account number in order to apy my balance through a 3rd party.
12/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 14020
Web
Im going through a credit repair place that is making my payments for me and in XXXX and XXXX of this year the original creditor continental finance placed late payments on my report Ive called 3 times and disputed through credit bureaus nothing I keep getting the run around from them one person tells me I have no late payments and then another person tells me I do have them so I got the check numbers from my credit repair service XXXX XXXX XXXX for the 2 months XXXX check no:XXXX they sent it out XX/XX/XXXX and it cleared on XX/XX/XXXX and XXXX check no:XXXX sent out on XX/XX/XXXX and cleared on XX/XX/XXXX and my payment date is the XXXX of every month for my account ending in XXXX
09/02/2016 Yes
  • Credit card
  • Billing disputes
  • PA
  • XXXXX
Web
I lost my XXXX credit card issued by continental finance. The rep assured me that if I made a XXXX payment in XXXX I would receive receive my credit card. I made payment and then I waited 4 weeks and did not receive it .I CALLED BACK XXXX/XXXX/2016 and was told AGAIN that I had to make another payment on XXXX/XXXX/2016 I did and now I AM BEING TOLD THAT I MUST PAY XXXX IN ORDER TO RECEIVE MY CARD. Continental Finance has also ignored my request for all information billing information pertaining to my credit card account ending in XXXX. I want my credit card and my billing information as I have requested under the Fair Credit Billing Act. Thank You for your assistance in this matter.
05/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32907
Web
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. Thank you XXXX XXXX
07/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 77057
Web
This company Continental Finance aka XXXX card is fraudulent company. There are no rhyme or reason to there charging. They need to be closed as a company. I feel that if the CFPB allows this company to be open they are an accomplice. This card only has a credit line of {$500.00}. How does someone pay {$110.00} in fees. Is this a starter credit cards for young people? If it is how does a young person have a chance? Is this a card for people who, want to build credit? If so why would someone pay this much in fees. This company is a full of XXXX and are XXXX. The customer service is terrible along with all the hidden charges. I will continue to complain until this company is closed!!!!
07/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 781XX
Web Servicemember
My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. XXXX XXXX XXXX XXXX XXXX
07/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • XXXXX
Web
I received a copy f my credit report where XXXX Continental Bank continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from Continental Bank / XXXX XXXX XXXX for ID
06/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19150
Web
I had a Ch XXXX bankruptcy discharge on XX/XX/15 . Continental Finance c redit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts m y credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They co ntinue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all XXXX bureaus ) states differently. I 've also disputed through the credit bureaus and XXXX -Continental Finance sen ds them false bank account information.
03/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30034
Web
XX/XX/2021 I was advised by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card that my payment was returned. The representative over the phone provided me with the wrong information she informed me to pay {$150.00}. Then informed me my card would be reinstated to use again. However, That was not the case then I was advised on XX/XX/2021 that I can make the payment on my XXXX XXXX. Then on XX/XX/2021 the associate informed me that I could pay over the phone with her however and I did not have to pay the fee. I called today to confirm the information and the supervisor refused to accept the payment. I informed him I wanted to close my account today based on the poor customer service.
09/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 557XX
Web
I talked to a representative on XX/XX/XXXX about the account and they reversed a returned check fee for the XXXX time. They said everything was in order. I contacted XXXX XXXX via chat on XX/XX/XXXX to find they closed the account and claimed to return the payment made for the 3rd month in a row, but I show nothing on my debit card statement. They closed the Surge Card account and possibly the XXXX Card account showing I didn't pay either when I have statements showing I paid both. I'm out {$100.00} dollars just from this one. This is not the first time this company has done this. This is the 3rd month in a row they say I didn't pay, but their own statement shows I did.
11/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TN
  • 370XX
Web
In XX/XX/2022 I set up the auto pay function for my credit card. Unknown to me they did not debit my account in XXXX and waited until XXXX to debit my account. Auto pay was set up in time for the payments to start in XXXX. Since XXXX they have charged my account a XXXX late fee every month. The card balance on my statement from XXXX was XXXX. I called and spoke with a XXXX named XXXX- all of the late fees were supposed to be removed from my account, but this has not happened. I have spoken to several other people and have requested callbacks from a XXXX or someone in a position that can help get this sorted out. As of today I have had no luck in getting this resolved.
10/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28212
Web
I own a XXXX credit card. XXXX is backed by XXXX XXXX. Since XXXX they have been stealing my payments under the impression of them being late. Clearly it is an error on their part. All my payments have been early and above the minimum required payment. They refuse to make the corrections and credit my account. I made one attempt in XXXX to pay this fictitious lateness. It didnt matter each following month they continued their thievery. Now theyre offering a new deal. Pay another late fee and the card will be clear. Forgive me for not believing them. No mention of the previous stolen deposits was offered. Theyve admitted the error but never the proper solution.
02/04/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53218
Web
I filed an investigation dispute request through the credit report agency XXXX about the inaccuracies listed under this credit account. But your company fail to comply and did nothing to correct these errors. Stating that the information was verified as accurate, which is 100 % not true. Your company has now violated my consumer rights under the Fair Credit Reporting Act Section 623 and 15 U.S.C. Section 1681s-2 Responsibilities of furnishers of information to consumer credit reporting agencies. The date closed does not match up with the payment rating history on my XXXX credit report and the payment rating is also missing for XXXX ( Please See Attachments )
04/10/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CT
  • XXXXX
Web
According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.
01/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72204
Web
I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.
01/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 17901
Web
XXXX XXXX XXXX sent debt management proposal in XX/XX/XXXX and it was accepted by XXXX XXXX and XXXX has made consistent monthly payments on my behalf. I found that late fees were being still charged and interest rate had not been reduced. I alerted XXXX who contacted XXXX XXXX and faxed proposal again in XX/XX/XXXX. Late fees were waived but then they began to reappear and XXXX XXXX stated an XXXX payment was missed though XXXX faxed the cashed check they had sent to XXXX XXXX. After proposal was faxed multiple times as confirmed by XXXX most recent call on XX/XX/XXXX XXXX claims they still have received no proposal and continue to add fees and interest.
10/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 45238
Web
I'm not liable for the debt with XXXXXXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account stolenand reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
08/18/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48103
Web
I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers
03/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NE
  • 681XX
Web
Contentatal Finance in charge of XXXX credit cards robot called me 28 times within two days. I attempted to contact their customer service number to let them know this was not alright. When I called their customer service number I received the recorded message during business hours that no one was able to take my phone call and then the call disconnected. I finally called the bank who issued the card, XXXX BXXXX in XXXX XXXX XXXX Utah. They said they would send an email to Contental Finance to have them call me. I expressed to XXXX XXXX how much I did not like their parents practices. No company should be allowed to harass someone like this.
02/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IN
  • XXXXX
Web
On XX/XX/15 I tried to make a payment to my credit card. The company is Continental Credit Card/XXXX. I initially tried to use the mobile app and was told I was unable to make a payment. I then tried to make it through the website and I received the same message. I have been making a XXXX payment every month but I started getting charges which has made my balance increase significantly. I am doing the best I can due to the my current situation that was caused by Covid. I feel this company is taking advantage of my current situation and now will not allow me to make a payment which will also allow them to charge me late fees and other fees.
05/02/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 91343
Web
I received a call from a " XXXX '' XXXX from XXXX & XXXX which left a voicemail which all my personal information and called family members to harass them about my debt and threaten to sue me. " XXXX '' XXXX represented himself as a paralegal that that he was calling from a law office which is misrepresentation and false. " XXXX '' XXXX was aggressive and threatening me about the debt owed. " XXXX '' XXXX claimed the debt was about {$1.00}, XXXX when the credit card was for {$500.00}. The location that was indicated on the agreement letter was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; Phone : XXXX ( XXXX ) XXXX-XXXX.
02/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 754XX
Web
spoke with XXXX at XXXX, we did a 3 way conference call with my bank.bank rep confirmed that a payment was made on XXXX-XXXX-19 to my XXXX card.XXXX stated that no payment was received on the card.i asked where did the money go that was taken from the checking account? XXXX stated she did not know.i was told to call back at another time.i have attempted to call back several times, they continued to route me to several others that said they have no knowledge of the XXXX account.another payment is due soon, i do not know to who or where to send payment or if they will take the money and not credit the credit card. please advise thank you
02/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • XXXXX
Web
A fraudulent transaction was made on XX/XX/XXXX with a posting date of XX/XX/XXXX, XXXX to XXXX. I spoke with a rep with XXXX, a XXXX, he said order was shipped to a XXXX XXXX in XXXX, TX. This information was provided to bank rep whom took the fraud report, reported card as lost/stolen. This transaction is typical of fraud as item was shipped to different address than billing. I believe I have a new account number but have not received a new card as of yet, this happened previously, a new card was not sent out after reported lost. I had to make additional calls in before new card was sent out. The transaction needs to be disputed as well
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33055
Web Servicemember
I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. XXXX XXXX XXXX XXXX XXXX Continental Finance/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Verv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20910
Web
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. In XXXX, XXXX XXXX XXXX acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. XXXX XXXX XXXX applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.
10/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • PA
  • 15146
Web
Im approved already for a credit card with continental finance and applied for another card on XX/XX/XXXX and was approve. However, they never sent mail with any info. Then I applied again on XX/XX/XXXX with verification being needed, no letter request, no email request just phone reps telling me to sending social security card, address and license. This made me uncomfortable given the fact Ive managed to keep their card thats already verified with the same info on my fit card application in great standing. Lastly, they refuse to offer me any credit line increases with the card I do have and or lower my apr over the last 1 and a half
12/02/2015 Yes
  • Credit card
  • Other
  • NY
  • 10028
Web
There is a hard credit inquiry on my XXXX credit report from Continental Finance Company of XXXX, DE. I did not authorize that inquiry. I have no accounts with Continental Finance Company of XXXX, DE, and I never applied for any accounts with them. When I attempted to inform them of this error, they told me to " get a police report '' ( they never even asked me my name ). Continental is an unprofessional company. The hard inquiry was made on XXXX XXXX, 2015, exactly one day before I filed for Chapter XXXX bankruptcy. They need to remove that inquiry from my XXXX report ( I have already contacted XXXX regarding this ) posthaste.
01/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60443
Web
I paid off my two credit cards with. Contiental finance card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
07/10/2015 Yes
  • Credit card
  • Transaction issue
  • CA
  • 900XX
Web
i made my monthly payment ( {$60.00} ) to continental finance for my matrix credit card bill. the company claims the that they never deposited the check and it was returned. they also charged me a {$25.00} returned check fee. this is all a lie because i have the copy of the check from my friends bank which shows continental finance deposited and endorsed the check. so they basically took my money, lied and said they never received it, and now charging me a returned check fee. they are also telling me that it will take up to 90 days to resolve the issue and i have to repay the {$60.00} + returned check fee in the mean time.
02/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 347XX
Web
The company called XXXX XXXX XXXX is representation of XXXX XXXX. Called my job and personal phone with XXXX of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or XXXX capital. XXXX they stated I owed an amount why higher than what surge ever had. This is also illegal
06/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • OH
  • 43204
Web
I applied for a credit card with XXXX and was approved in XX/XX/2021. I have made calls for months trying to receive the credit card that they state they have attempted to send at least 10x. They tell me that they have not had a card returned by the post office. And when I call, I can not receive the help that I need because they require the last four digits of the card to be entered to talk to someone but I do not have this because I have never received the card. They continue to send me to the lost/stolen department who requires the last four of the card number which I do not have because I have never received a card.
03/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • PA
  • 15241
Web
I made a late payment in XX/XX/2019 of what I thought was enough to cover my past due amount. I was unable to determine the past due amount because my statements are not being sent to me electronically and also are unavailable on the companies website for me to access. By choosing electronic statements it is my understanding that the company is required to provide via email and or make available online which neither is being done. As a result I incurred a 30 day late because my payment amount had changed and my {$50.00} XXXX payment was short {$22.00}. I have since paid the additional amount to bring account current.
05/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77354
Web Servicemember
XX/XX/2022 sent in letter to have automatic payment setup was not executed per my request. XXXX did not apply payments and did not setup the auto pay. spoke with XXXX in XXXX, got the form from him, and set it in to the company directly. They could not make a payment plan after making exactly 1/3 payment of total bill. Had to call in to make that payment. The card services you call into is in XXXX, and they do not understand when you explain the problem to them. They are not interested in helping to resolve the issue and will continue to report to credit companies as past due even with it being their error.
06/22/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33881
Web
Myself and my mother received a call claiming to be XXXX XXXX stating they were trying to serve me papers for something. On my voicemail he left an address that I've never lived at. So I call XXXX and the man who answered asked for the reference number which I gave XXXX and he asked if this was XXXX and I said yes and I said not sure why you are calling and harassing me and my parents. He started screaming at me saying if you want to see harassment you got it and said I will see you in court and hung up on me. I called back and he started screaming at me again so I am not here making a complaint on this company.
09/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TN
  • 37209
Web
I closed my XXXX continentalfinance.net card about 13 months ago due to an extremely high yearly fee that I could not afford anymore to focus on paying down the balance. Since then I have been focused on paying the balance off at 30 % interest. I noticed unfortunately that they have been charging me a $ XXXX monthly maintenance fee ever since I closed the card even though the card is not being used. I asked that they remove the $ XXXX monthly fee because card is not active and they refused. I want the $ XXXX monthly fee removed for the past 13 months. I spoke with two supervisors, one by the name of XXXX XXXX.
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15132
Web
I have credit protection but it wasnt activated after I lost my job XXXX XXXX XXXX was supposedly to activate I called in and nothing credit protection is sto protect your credit score According with the fair curtain reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat be a payment on a credit card account under an open end consumer credit plan as late for any purpose
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75089
Web Servicemember
I respectfully request to be provided proof of this alleged item specifically the contract note or other instrument bearing my signature. You cant report this account as OPEN nor a past due balance. Inaccurate information. Failing that the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months or the last XXXX years for employment purposes.
02/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76210
Web
A Rep from XXXX XXXX XXXX XXXX XXXX ( XXXX card ) called me and he suggested that I qualify to pay just {$35.00} per month for the next 3months or make a one time payment of {$100.00} to bring account to current nothing due. I made payment of {$100.00} since it was less than amount showing as due and he said because I was a long time customer that was a deal of sorts. Now a late 30 days shows up on my credit inaccurately!! Also they a falsely reporting me as having been late on this account. I hav never been late since I got this card back in XX/XX/2014. Please correct I need to buy my house next month!
05/22/2015 Yes
  • Credit card
  • Other
  • NY
  • 10458
Web
I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed
08/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • AZ
  • 856XX
Web Older American
The XXXX credit card company continually makes early morning ( XXXX ) phone calls about late payments. I have been awakened at XXXX with a phone call from them and when I answer, no one responds. The latest calls at XXXX were on Monday, XX/XX/2021 and Tuesday, XX/XX/2021. I called the number back and very strongly demanded that they NOT call me that early in the morning, yet they did it again. I finally spoke with a representative named XXXX and told her I didn't appreciate the early morning calls and that it was illegal to harass customers like that. I advised her that I was going to file a complaint.
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 317XX
Web Servicemember
On XX/XX/28 I made a XXXX payment twords my credit card bill that has a XXXX credit limit. The next day the card company suspended my account. They stated it was bc my bank sent back a payment, which I wasn't aware of bc it was taken out. They then asked for my bank statement to show proof that it's my bank account and they would reestablish the account. They refused and now asked for a letter from the bank asking why the payment was returned. This was something my bank stated they do provide. I had no notification of the account was going to be suspended they only did this after receiving my payment.
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33541
Web
I have had a XXXXXXXX XXXX XXXX - Credit card for several years, and all of a sudden, they have stopped notifying me of the balance of their fees most recently, they put a 30-day late payment fee, and although they removed the FEE from my account, they are refusing to remove it from the Credit report. They have been unable to grant me access to the account, yet I can still not log in and or have not received the bills that I view. This is a very troubling matter to me because I am in the process of purchasing a home, and it will hinder me from doing so if this issue is not resolved. Please help me!
04/06/2017 Yes
  • Credit card
  • Other
  • FL
  • 344XX
Web Servicemember
This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.
01/01/2017 Yes
  • Credit card
  • Other fee
  • PA
  • 193XX
Web
I applied for a XXXX credit card and read the agreement .It says there will no monthly maintenance fees started until 2nd year of terms.Yet I closed my account before entering the 2nd term.There is still a balanc I am paying off from the company.They have added the monthly maintenace fee on tho while paying it off tho. I dont feel that is legal according to what I read.This is due to the fact as I said I didnt enter in to the 2nd year of term because I wasnt willing to pay a {$120.00} annual plus a XXXX $ monthly fee, that would have been XXXX a year to keep open whether you have a balance or not.
10/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92307
Web
After closing my account and paying the total stated balance in full with a verbal and written confirmation stating, you have no further financial obligation to us, the CC company still is herassing me for a charge that was posted XXXX weeks before I closed the account. They failed to disclose a {$26.00} charge to me when i closed my account and lied to me and said that I owe {$0.00} dollars then 1 month later are now adding more charged onto the account. I have spend numerous hours on the phone and stressed out and they just dont care to help me or admit theyre at fault. Please help. Thanks
10/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
XXXX violated violated the Gramm-Leach-Bliley Act ( 15usc6802 ) they never sent me the proper disclosures, one of which would've given me the ability to opt out of having my information reported to third parties ( XXXX, XXXX, and XXXX XXXX They also violated the Fair Credit Reporting Act 15usc1681a ( 2 ) ( A ) ( i ) by furnishing information regarding utilization but according to the law it says transactions and experiences between me ( the consumer ) and them ( person, continental finance LLC ) are excluded from my consumer report, utilization would fall under the category of an experience.
02/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10473
Web Servicemember
Hello my name is XXXX XXXX. Im having problems with a credit card company named Continental Finance.I have been making timely payments online. They send me a email stating that payment has posted to my account. Then a week later they send me another email stating that they have not received a payment. I have seven other cards and I dont have this problem with any of them. I believe they are running a scam because when I contact them they tell me that should call in the payment so they can charge me XXXXservice fee.I want them to change the false information they sent to my credit report.
05/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • LA
  • 70506
Web Older American
When I signed up for this card, it was to be double your credit limit which was {$1000.00} and should have been raised to {$2000.00}. I was told this would happen in spite of the confusion when the account was first opened. I made XXXX calls in the last couple of months and was told the increase would take place today, XX/XX/XXXX. I made another call to another young lade today who advised that I had to request the increase by visiting this site : XXXX. I was granted a {$300.00} increase. What happened to the original offer? I fee Continental FinanceXXXX should honor the original offer.
10/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06320
Web
Payment in the amount of {$60.00}, an e-bill payment made through my bank, XXXX, on XX/XX/XXXX, has not posted to my account as of XX/XX/XXXX. I check my online account ending in XXXX today, it does not show payment posted, payment amount due shows {$52.00}. There appears to be an error with Continental Finance posting the payment, needs to be investigated. I've experienced this issue prior, a rep stated payment would post as of date received and no late fee if on or before due date. I believe this payment should be reflected as on time, made on XX/XX/XXXX electronically through XXXX.
09/09/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • AL
  • 35805
Web
XX/XX/2019 i submitted an application on XXXX. They misrepresented they asked for a second verification i was told i was a approved before i submitted the information. Was not approved. They have my address birthday social security number an phone number. I have applied before with this credit card company got a approved for a {$500.00} dollar deposit via email i was sent the approval. They are fake they will take your money. This is the email i sent my information too. XXXX XXXX XXXX this is what i received 72 hours later not to mention a duplicate application they said i submitted.
04/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • WA
  • 98371
Web
One year after getting my credit card which has a yearly foo, it started having a XXXX XXXX monthly maintenance fee. I called and asked to waive the monthly fee and was to keep me from closing my account they would waive the fee. That was XX/XX/2018, I have now called them 6-7 times and every time an told they have no notes that I have called prior and that the fee cant be waived, as soon as I threaten to close my account they offer to waive it again. I have now paid {$270.00} Im monthly maintenance fees and it has yet to be taken off. This is the Verve card through Continental Bank
09/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 37363
Web
I have had fraud on my XXXX XXXX XXXX XXXX. I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. I even provided police report showing my car was broken into and my card was stolen, I have confirmed fraud and they are still trying to hold me responsible for confirmed fraudulent charges.
06/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 441XX
Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : XXXX Account number : XXXX On or around the date of XX/XX/2023 a payment was attempted to be make. Unfortunately, there was a glitch in the payment system that ultimately resulted in an unprocessed payment. I tried to settle this matter with the company, but to no success the issue was not corrected. The unprocessed payment have impacted my credit score tremendously. Im requesting a back dated adjustment that will place my account in good standing and paid for the month of XXXXXXXX XXXX XXXX Sincerely, XXXX XXXX
10/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 30339
Web
On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. They have not responded, they continue to collect and report this debt as valid. They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.
02/23/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • IN
  • 468XX
Web
I owe a debt to a credit card company that I was unable to pay due to some financial set backs. The company contacted my sister and lied about being a lawyer and serving me with papers at my job if I did not return the phone call to them. I then called the company after my sister gave me the information from the rude collector, and was yelled and screamed at and told that they would be to my job to serve me when I called myself. I was never informed of what the debt was for or what the amount was, and was told that I had committed fraud and would be handled legally.
10/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 088XX
Web
XXXX XXXX XX/XX/XXXX. O was in an abusive relationship that resulted in all of my possessions being stole and there is a report at XXXX a police Department in New Jersey as proof. And later being placed as identity theft and legal action were taken place leading to a restraining order on the one accused. Still to this day, marking XX/XX/XXXX, XXXX XXXX ( {$190.00} ), CONTINENTAL FINANCE ( {$700.00} ), XXXX ( {$200.00} ), are sending debt collectors and fails claims that I applied for something new. Please help me make it stop and remove it from my credit report.
03/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • FL
  • 33625
Web
XXXX XXXX clearly states that if you make your first XXXX payments on time that your credit line will double. My initial credit line on this card was {$1000.00}. It should have automatically updated to {$2000.00} in XXXX. I called them today and found out that the automatic part is false, you literally have to reapply. The person did that for me and it went up from {$1000.00} to {$1300.00} - again, not what was promised. It also looks like they did a hard inquiry on my credit report, which was also not disclosed, which will negatively impact my credit score.
01/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 183XX
Web
I received a call today that I there is a civil complaint against me for a debt that I already paid and is past the statute of limitations. They are threatening to put a lean on my home in the middle of a pandemic. I sent them a notification on XX/XX/17 that I had spoken to the supervisor and set up the payment with them. On XX/XX/17 i received the confirmation email of payment myself and the supervisor agreed on. In the middle of a pandemic they shouldn't be harassing people for debts already paid. The fact that they were trying to reopen my case is horrible
03/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • MD
  • 20874
Web
XX/XX/2023 I called Continental finance company I have XXXX XXXX and XXXX card I wanted to file with the hardship program due to a loss of income from a job. They denied me through a computer system. My account is not late, it is current I pay on time every month and am treated poorly by these cardholders. They want late charges to occur only to enrich themselves, I request both XXXX and XXXX card accounts be closed. They both inform me it's a system that makes the decision, what system? XXXX and XXXX [ supervisor ] - XXXX XXXX XXXXXXXX { XXXX } XXXX XXXX
06/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90804
Web
XX/XX/XXXX I requested account be closed due to subprime card interest rates/annual fee of {$99.00}. This card was reported as being paid late, after the closing by consumer request. Account was never late, paid on time since XX/XX/XXXX ( When account was opened ). I paid account in full after several disputes with Continental finance. I completed my end of the agreement, while the company continued to report my payments as late/never deleted negative account status after I paid in full/closed account. This is a violation of the CARES ACT enabled XX/XX/XXXX.
06/16/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • IN
  • 46158
Web
On XX/XX/ 2021 at approx. XXXXXXXX XXXX this company called and harrassed my mother trying to locate me. No family members numbers where ever given. This company said they were XXXX XXXX and repeatedly tried to get a phone number from relative. When I called the number they provided, they said they were " administration '', once they verified it was me calling, then they said they were a law firm trying to collect a debt that was {$790.00} when debt owed was just over {$500.00}. They have continued to call my number up until XXXX XXXX several times a day.
01/30/2017 Yes
  • Credit card
  • Other
  • MS
  • 39211
Web
I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.
09/01/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MI
  • 49426
Web
I applied and was accepted. They said they sent me a card but I never received it. I changed my address with them and verified my new address more than 4 times. Repeatedly called to have card sent to me and was told I needed to keep verifying my address. I have already done this 4-5 times now and they have my correct address on my account but I have never received my card. I keep calling and keep being told they will send it but they do not send one. They show I have a card on my account, they show my address is correct, but will not send me my card.
11/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34698
Web Servicemember
My XXXX XXXXXXXX XXXX is reporting me 30 days late for XXXX when my XXXX payment is not due until XX/XX/XXXX. I have scheduled a payment for this Friday and they refused to correct the reporting. Im technically not late until the XXXX. Their phone number is XXXX. My name is XXXX XXXX XXXX and my phone number is XXXX. I am in a situation where they dropped my credit reporting XXXX points due to this and accuracy and the timing couldnt be worse Im in the midst of trying to purchase a new vehicle due to a theft of my vehicle etc. please help thank you
10/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • AZ
  • 85142
Web Servicemember
I received my XXXX XXXX credit card : XXXX, when I called to activate the card, I was informed by a Continental Finance Represenative that she couldnt activate my card because my new phone number wasnt listed on the account, and it was their policy if your old phone number changed and you didnt have your new phone number on the account when you first applied for the credit card, then you have to apply for the credit card again. Thats illegal. They also charged me finance fees for a credit card they wont activate and I cant use. Thats also unlawful.
01/19/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 777XX
Web Servicemember
OnXX/XX/XXXX, a credit alert informed me there was a collection account added to my credit report. I called the organization to inquire about this debt. I was informed the debt was for a XXXX XXXX. I informed the representative the account was paid, and was informed that I was correct. I then requested a letter from their organization confirming the account was not written off, and currently have a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I received the letter as discussed, reflecting a {$0.00} balance with no money owed to the reporting company,
11/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 088XX
Web
on XX/XX/2021 I was charged on my credit card {$250.00} + {$250.00} a total of {$500.00}. I called the credit card company and reported this. The credit card company XXXX started a fraud dispute and changed my credit card. This company hasn't resolve this dispute, I haven't received any information about this fraudulent charge and they keep charging me interest and late fees knowing i did not did this purchases, now they reported to my credit report as late giving me a bad score. I have proof that i was in XXXX XXXX on that date with my daughter.
04/08/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • OR
  • 97229
Web
This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 160XX
Web
Continental Fin Co showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. XXXX claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the account.
03/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38127
Web
This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.
11/07/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 106XX
Web
I 've spent the last 6-8 months setting up payments with this company. they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.
11/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 10460
Web
Hello I writing because this account was temporary and accidentally opened because I thought it was a loan but it was a program. I paid so it would not affect my credit then closed it because it was open erranously, also for the time its staying on and affecting my credit is not worth it, we pretty much had no business, please remove for me please as you see it wasnt a bad account, just closed after thought it was a loan... please remove from my accounts as you can see my story goes with account history.. thought it was a loan application
03/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92211
Web
This was with my XXXX XXXX Account ending in XXXX XXXX XXXX. I had fradulant charges in this amount of {$440.00} on the statement ending XX/XX/XXXX and {$130.00} on the statement ending on XX/XX/XXXX. I was issued a credit of {$230.00} on XX/XX/XXXX and {$210.00} on the XX/XX/XXXX statement. This leaves a balance of {$120.00} of fradlant charges on my account. I have written them twice about this matter and they reply " we consider your claim resolved and we are closing out file '' I have written them many times regarding this matter.
04/07/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • NC
  • 27513
Web
On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.
05/08/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CO
  • 80229
Web Servicemember
Continental Finance every 2 years for the past 10 years has a collection firm call me, tell me that I about to be served if I don't pay the balance of the credit card. The credit card is part of an identity theft complaint I made against my former roommate in 2008. But it has been so long since I filed the complaint XXXX XXXX Police department can't even find the detective that took the complaint. So I have dollar amounts, no documentation, I have NO documents even from Continental including want subpoenas or paperwork on being sued.
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18102
Web
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
04/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • LA
  • 712XX
Web
I was contacted on XX/XX/2021 by a local number. They called again on XX/XX/2021 and I answered. The call was coming from Louisiana and when I asked her where she was located she said California. I was transferred to someone else that was telling me they were going to sue me and issue a judgment for breach of contract on credit card debt. They claimed to have attempted to serve me legal papers but I have not been served. I never received the original letter they supposedly mailed. The debt is from XXXX and now they are maki g threats
05/14/2016 Yes
  • Credit card
  • Other
  • IL
  • 60632
Web
them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.
04/23/2015 Yes
  • Credit card
  • Other fee
  • NY
  • 11554
Web
I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.
05/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32935
Web
A company with an Unknown phone number has reached out to 2 of my family members instead of me. They claim I owe a credit card from years ago I called once to ask info on this and they preceeded to threaten me by telling me I am being sued and someone will come to my house The company is XXXX XXXX XXXX and the lady 's name is XXXX XXXX They are all very rude and if they don't like what you have to say they hang up on you its so unproffesional and i will keep on complaining until they get shut down this is ridiculous Thank you
10/05/2016 Yes
  • Credit card
  • Transaction issue
  • CT
  • 06320
Web
Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases
11/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • IN
  • 462XX
Web
I have been working with a Credit Counseling service that was recommended by the state. They have been great! However, they sent their proposal to XXXX XXXX in XXXX! They have been paying XXXX. However XXXX sat on the proposal for about 2 months, allowing my account to become past due ( I can not afford double payments and the XXXX was going off of their past dealings with XXXX. ) Now it has dinged my credit score bad, and it is a huge negative on the score, though XXXX has finally acknowledged and agreed to the proposal.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21221
Web
Closed credit account for Continental Finance shows multiple payment reporting inaccuracies, per the FCRA all reporting must be accurate among all three bureaus. We have found the following discrepancies while reviewing our three bureau report. Account reported as 30 days late on XXXXXXXX XXXX XXXX on XXXX and XXXX, but not reported at all on XXXX. Account reported as 30 days late on in XX/XX/2022 on XXXX but reported as on time by XXXX and XXXX. The reporting is incorrect and violates my fair reporting protection.
11/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 23222
Web
On closing date of XX/XX/XXXX the XXXX Credit card company billing statement shown I had a {$350.00} balance. This was after thorough investigation about disputed items. I called about the timing of the actions which was related by XXXX XXXX, the XXXX XXXX XXXX of customer experience in her response to my former complaint. I have not used the card since XXXX of XXXX and the card balances have been going up instead of depleting. I have been paying on the card since XX/XX/XXXX and dont see how its balance over {$500.00}.
10/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • AL
  • 359XX
Web
I had an accident with XXXX XXXX My credit card payment to XXXX XXXX XXXX for my XXXX XXXX came due during this time ( XX/XX/XXXX ) I have NEVER BEEN LATE OR MISSED a payment. During this same month I received 8 calls EVERY SINGLE DAY regarding my payment. The same month due!! That absolutely is harassment! This should not be allowed! ENOUGH. I called and said I would make pmt and expressed dissatisfaction with this practice and that bank. I was told Many comments have been lodged And they Flooded me with emails!!
04/11/2021 Yes
  • Credit card or prepaid card
  • Government benefit card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • SC
  • 29681
Web
Continental Finance/ XXXX XXXX is attempting to benefit from my credit card which by law is my social security card. I used it to originate this consumer credit transaction on my open end credit plan. Not only that Continental Finance is denying me credit just for exercising my rights to extend myself credit and defer debts. In the initial communication I had never received the 5 things by law that are required to validate a debt. I have sent Continental Finance a affidavit making them aware of their violations.
04/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32828
Web
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 1 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!
12/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • FL
  • 32065
Web
I received a pair of emails on XX/XX/XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX congratulating me on my new credit cards ( they were in my Spam folder ). I had not signed up for these cards ( I received a similar congratulations on XX/XX/XXXX after I signed up for what turned out to be a fake job website that forced you to apply for a credit card ). This week I received two cards from both banks, again unrequested. I noticed that one of the credit bureaus has an unauthorized hit from Continental Finance.
12/18/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • XXXXX
Web
Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AL
  • 35244
Web
I have recently filed a complaint against this company for fraudulent accounts being opened in my name. I called them last week to let the customer service rep know that I discovered who opened the accounts in my name and it was my son. My son was XXXX XXXX XXXX at the time when he did this. The company is Continental Finance Company , LLC ( CFC ). The accounts are XXXX XXXX XXXXXXXX is issued by XXXX XXXX XXXX XXXX ( XXXX ), the XXXX XXXXXXXX is issued by Celtic Bank, and both cards are serviced by CFC.
10/04/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 631XX
Web
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
12/19/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 765XX
Web Older American
This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up.
06/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 22408
Web
This is in reference to a Build Card from Continental Finance, account ending in XXXX. This card was paid off in XXXX of 2020, and closed at that time. Despite closing the account, Continental finance continues to try and charge a monthly fee for the account - and reopens the account each time, requiring a phone call. Today makes the third time that we have had to call. Each time they remove the fee and insist that the account will be closed, then they re-open the account and charge the fee again.
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08080
Web
An account named continental XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get XXXX results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!
04/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19154
Web
After over a years worth of ontime payments, I had one transaction reverse due to non sufficient fund. The next day I fixed this issue and made an online payment to cover that payment and then some. Continental Finance reported this as delinquent to the credit bureaus, when in fact the account is in good standing. I tried to call them, but their automated system is not capable to handle this request, When I tried to get operator, the system told me no one was available and hung up on me.
02/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92506
Web
I have been trying to get my payment set up to make a payment for the last two weeks with continental finance for my cards ending XXXX XXXX, XXXX, and XXXX. They said they have been doing system update and as such can not process credit card payments. I am now going to be late due to them not having an adequate system. Every time I try to make a payment by phone, they said they can not do it. Every time I try to make a payment online, they give me an API error and it could not be processed.
03/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11375
Web
Was categorically told by the customer service representatives that as long as there were six months of on-time credit card payments, the XXXXXXXX XXXX XXXX Credit Limit would be increased by {$300.00}. All conversations are recorded by the credit card company. I am adamantly clear that had I not been told about the increase, I would not have asked for the {$300.00} limit increase. The company 's response in previous complaint fails to acknowledge my conversation with the representatives.
01/14/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • VA
  • 245XX
Web
XXXX XXXX XXXX assignee of Continental FinanceXXXX MasterCard c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 32819
Web Older American
This matter was previously filed with CFPB and settled with the company. Nevertheless, the company may not have appropriately updated the files as I am still getting harassing collection calls from the company demanding the balance due. Customer Service also says they have no record of this in there system. There is no balance due. The company XXXX out the small balance in good faith and the matter was settled. The letter provided from Continental Finance is attached as verification.
05/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CT
  • XXXXX
Web
A rep by the name of XXXX advised me there is a credit balance in the amount of XXXX on my account with Continental Finance LLC, I do not have account number available to me as account is closed. A payment in the amount of XXXX was mailed on XX/XX/XXXX which covers the statement balance of XXXX. Today, XX/XX/XXXX, XXXX advised me I am due a credit in this amount, fees were credited back prior which covers the balance. If this information is correct, I am owed a check in this amount.
04/27/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NJ
  • 07712
Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33805
Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. REMOVE THIS FROM CREDIT Thank you, XXXX XXXX
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MA
  • 024XX
Web Older American
On XX/XX/2021 there is a inquiry on my credit report from Continental Finance Company that I did not have any knowledge of or have given permission to access my report. I have tried to contact them without any success I was given the run around different numbers to call got disconnected and hung up on. My concern is this is a loan and credit card company that might have given whoever applied a loan or credit card. I am access my credit report daily and have placed a fraud alert.
08/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • SC
  • 29681
Web
This is a written demand to President XXXX XXXX and whoever is liable for the legal fiction Continental Finance Company that as a consumer and the original creditor I am exercising my right of rescission. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge. I the consumer nor XXXX XXXX is the grantor after this communication. Release the credits, pay and or off set the taxes, and pay me the debt owed.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60621
Web
The date is XXXX XXXX2022. The amount is XXXX. In accordance with the fair credit reporting act Account number XXXX XXXX XXXX XXXX has violated my rights. 15 USC1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section2 it also states a consumer reporting can not furnish a account without written instruction. Also 15 USC 1666B! A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/12/2016 Yes
  • Credit card
  • Billing disputes
  • TX
  • 75052
Web
I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • XXXXX
Web
the XXXX XXXX XXXX XXXX would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
09/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06320
Web
XXXX XXXX is attempting to collect on past due amount of {$130.00} owed to Continental XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to XX/XX/XXXXnot..
01/15/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 32771
Web
This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014 for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.
10/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22030
Web
I received a credit monitoring alert a little after XXXX EST on XX/XX/XXXX, stating that a lender requested a copy of my credit file. When I logged into my XXXX and XXXX XXXX portal, it was clear that Continental Fin Co had in fact pulled my credit without my authorization. I have not applied for any products with this merchant. Furthermore, the address that the consumer provided to XXXX is an address that is over five years old that I have not occupied since XXXX.
10/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48910
Web Servicemember
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late FOR ANY PURPOSE.
12/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78613
Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
05/19/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • GA
  • 30047
Web
I have actively attempted to activate my credit protection with XXXX since XXXX 2015 and have yet to receive neccassary paperwork. I have spoken with several agents and been promised over 4 call backs, to which I am still awawaiting. The calls have gotten to 6 per day and I tell every agent the same thing only to be told they will make a note and meanwhile my balance has gone from XXXX to over XXXX while I have consistently reached out to get this solved.
06/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75253
Web
I am checking on the status of Complaint ID : XXXX. Vice President XXXX XXXXXXXX of Continental Finance sent a letter back stating that the late payment reporting in XX/XX/2020 would be removed from my credit report within XXXX days. This was back in XXXX and we are now going into XXXX. I even tried to submit the letter to the credit bureaus to have them remove it and still nothing. I am hoping that this is resolved, and that the deletion can be honored.
01/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10452
Web
XXXX didn't mail me my entire billing history like I'd requested over the phone w/their customer service office to review the entire account so that all the invalid charges can be removed all at once instead of one by one. The company just mailed the latest bills for XX/XX/XXXX & XX/XX/XXXX which doesn't show all the charges for the entire month & there are still out of city/state/country charges on the account per the bill- XXXX XXXX XXXX XXXX / Etc.
07/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21401
Web
They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS ILLEGAL.
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78666
Web
Continental Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than XXXX days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
01/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • UT
  • 84047
Web
I lost my job on XX/XX/22 and recently filed a claim for my credit card protection to cover my monthly payments until I find a job. I could not get my former employer XXXX to complete their portion of the form since there's no on-site XXXX XXXX personnel. I recently provided a copy of the payment history from the Utah unemployment insurance office, however, my request has not been processed or denied and this delay has impacted my credit score.
11/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 15146
Web
Hello, XXXX XXXX card by Continental finance is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89131
Web Servicemember
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
05/13/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39211
Web
In XX/XX/2013, I was in an auto accident whereas I sustained injuries and acquired substantial doctor bills that had to be paid. While tending to my injuries I missed one payment which shows on my credit report and is bringing my credit score down for it shows 30 day late. I have asked this company to remove since I am a good customer who pays on time. I want it deleted for we all can not say when we will need help or have an unforseen occurrence.
12/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MD
  • 21701
Web
in late of 2021 I open a account with XXXX XXXX XXXX and paid the {$99.00} annual cardholder fee. In XXXX I went to use the card and my account no longer existed. I called the number on the back of the card and they said they no longer had my account in their system. This is a fraudulent company. No financial purges account info in less than a year from their system. My receipt for the {$99.00} cardholder charge cant even be opened. I attached it
06/21/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 93311
Web
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
09/22/2016 Yes
  • Credit card
  • Delinquent account
  • DE
  • 19711
Web
My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.
05/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33311
Web
In accordance with the fair credit reporting act XXXX account number # XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat any payment on a credit card account under any open and consumer credit plan as late for any purpose.
03/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78213
Web
Sent letter to XXXX/CONTFIN notifying them that my XXXX credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiry be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my credit report showing the inquiry. The letter was sent to the following address : XXXX/CONTFIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
04/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 19135
Web
You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). ( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
01/04/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DC
  • 20019
Web
Reported this account is not mines uploaded police report attached and a new id and social security was sent out to me name CELTIC BANK/CONTFINCO Account number Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Closed. {$910.00} written off. Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$910.00} Terms
08/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MI
  • 48823
Web
1. They send me an invoice in the mail every month, after I've asked them multiple times not to send me an invoice. I turn on electronic invoices, it somehow turns itself off. They should look into why or where it's being turned off at. 2. I just tried to use my card twice, it declined. I reached out, they said, " we are requiring proof of address ''. I just moved and don't mind ; however, I was not notified about my card being shut off.
11/19/2016 Yes
  • Credit card
  • Billing disputes
  • FL
  • 33054
Web
this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days
10/28/2016 Yes
  • Credit card
  • Delinquent account
  • GA
  • 30039
Web
I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.
11/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33311
Web
I have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but Celtic bank fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33311
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • XXXXX
Web
I had XXXX accounts with Continental Finance Company. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. This was during the pandemic. XXXXXXXX XXXX {$1200.00} XX/XX/2021 XXXXXXXX XXXX {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.
11/03/2015 Yes
  • Credit card
  • Other fee
  • IA
  • 52722
Web Older American
Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. Payments are always made on time. A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments
09/08/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85142
Web
I am a victim of fraud. I have reported to all the credit bureaus and several companies. I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted XXXX XXXX XXXX and Continental Finance Co to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
12/07/2015 Yes
  • Credit card
  • Billing disputes
  • PA
  • 17110
Web
XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.
10/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33634
Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23669
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/24/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 75212
Web
XXXX credit card charged me an annual fee as of XX/XX/XXXX I closed the account on XX/XX/XXXX and they refuse to prorate the amount of {$96.00} along with a monthly fee of {$10.00}. However I do not use this card and was told that {$100.00} is due on XX/XX/XXXX and if I dont pay it, itll go on my credit. Which is ridiculous that I have to pay an annual fee which is yearly if I dont have the account anymore. Could you please assist?
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 79407
Web
In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27616
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • AZ
  • 85295
Web
My surge card application took ALL of my personal information before denying me. I dont appreciate my information being in their system to use or sell. I am reporting them to XXXX AND XXXX XXXX. Most companies ask for the last four digits of our social, not the whole umber. I was XXXX to give the info in the first place and I dont care that I was denied the card, but you have private info of mine and that is a BIG PROBLEM.
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76108
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
10/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48167
Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 480XX
Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
09/17/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 314XX
Web
his Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
04/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • MI
  • 48322
Web Older American
I specifically purchased a XXXX XXXX from Continental Finance to restore my credit worthiness. I paid the outstanding balance in full from my checking account but the clerk didnt properly enter the account information. So I made a second payment from my Checking account which the company is delaying in showing a credit so balance inaccurately reports Im over limit, which Im not because company isnt reporting payments made.
02/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • 21206
Web
Ive been having issues my credit card since XX/XX/XXXX. Ive called them on several occasions trying to get this matter straight. Ive disputed charges on this card and received a new card. I called them on XXXX XXXX because I had no statement. I received my statement 2 days later via email, my balance was {$170.00}. I paid {$170.00} on XX/XX/XXXX now they say I owe them {$8.00} interest charge. I dont understand how and why.
12/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TN
  • 38125
Web Servicemember
On XXXX XXXX someone applied to two different credit card companies without my permission. I have contacted each company involved and they stated they will complete an investigation. But it will take some time to remove this information from my credit. I do not want this to be on my credit as I am not the person who authorized these cards. XXXX and XXXX XXXX also know as XXXX XXXX are the two companies who issued the cards.
09/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NY
  • 10453
Web
I have called several times about my card declining when i use it for online purchases and i store purchases. I keep getting my card locked and supposedly noted to the account details so that it doesnt happen again but its just a vicious circle calling and waiting calling and waiting calling and waiting with broken promises and i also paid the annual fee early. never had such bad service in my entire credit card experience.
09/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 92506
Web
On XX/XX/2022, I paid off my account balance in full and requested for my card to be closed. On XX/XX/2022, Continental Finance assessed the monthly service fee. On XX/XX/XXXX, Continental Finance assessed the annual fee. On XX/XX/2022, Continental Finance sent billing statement stating that the card was not closed, and that the fees were assessed. On XX/XX/2022, I reached out to the company to no avail with no resolution.
05/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 31768
Web
I have 2 credit cards with Continental Financial Co. I've have tried repeatedly to enter bank info to pay one of the cards, and repeatedly been denied. This company tells me I must give them my banking info over the phone. This company already has my info for another one of their cards. Refuse to use it, again telling me I must give out my info over phone. I am now being charged late fees because their system doesn't work.
11/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31313
Web
I requested my account be closed. I was informed they was going to close it and I did not owe any thing for the account. Afterwards, I got a notification that my account was still open and they were charging me fees. I called them about the situation and they say they can only wave the late fee. But they reported my account as late. Im upset and feel like its unfair because I requested my account be closed months before.
09/21/2016 Yes
  • Credit card
  • Other fee
  • FL
  • 33625
Web
I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.
12/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78613
Web
This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77057
Web
I have an {$800.00} credit limit with this company. I paid {$650.00} on XX/XX/2021. It states my balance remaining on my credit is {$190.00}. But I have a negative ( {$55.00} credit limit ) this needs to be updated. It makes no sense and you can not get through to anyone to complain and get this addressed. Also every time I make a payment there is no confirmation of payment. So there are always issue with this company.
11/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • DC
  • 200XX
Web
On XX/XX/2020 I reached out to Continental Finance/XXXX XXXX XXXX about a late payment on my credit report as I notice I was late I immediately paid the entire balance and contacted Continental Finance/XXXX XXXX XXXX to ask if they could remove the late payment and offered to setup automatic payment to avoid this from ever happening again and got nowhere over the phone so I sent a good will letter and still no answer
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 20877
Web Servicemember
In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 42240
Web
Reporting twice on my credit reporting once through XXXX WITH XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXXXXXX of XXXX covid happened they would not work with me and charged late fees consistently which is considered information to character and livelihood15 USC CODE1681e compliance procedures 15 USC Code 1681 0 civil liability for negligent noncompliance 15 USC 1681n Civil liability for wilful noncompliance
01/15/2016 Yes
  • Credit card
  • Other
  • CT
  • 06320
Web
I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.
01/31/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76549
Web
In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose.
11/10/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • XXXXX
Web
This correspondence is in regard to the application submitted on XX/XX/ to CONTINENTAL FINANCE / CELTIC BANK, reference number/ application number XXXX by I XXXX XXXX XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX XXXX Which an adverse action letter was received on XX/XX/ via email. Please see the following attachments : 1, OFFER REJECTION NOTICE 2. CAF NOTICE, POWER OF ATTORNEY, FEE SCHEDULE 3.PASSPORT CARD
10/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • UT
  • 84107
Web
Verve has consistently charged me more than the listed minimum amount due on my strangeness. XXXX XXXX is set up to pay the minimum amount due and they've attempted to pull out digit mdouble resulting in overdraft fee from my bank as well as returned check fee from credit card company since I expected them to only take half of what they attempted to withdraw there wasn't enough to pay what they tried to pull.
05/11/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NC
  • 28210
Web
Continental Finance is refusing to give me vital account information. No where in its terms and conditions that are given to clients does it state that they will not give you your account information when requested. I need the account information for insurance purposes and all though I was verified the bank refused to give me my account information in any form. Either over the phone or via mail upon request.
03/27/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 34761
Web
OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.
04/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92585
Web
Continental financial reported a missing payment of 30days Late for the month of XX/XX/2022. I paid the creditor on time and I doubled the payment. I was never 31 days late with this creditor. I even disputed the creditor and sent payment documents that I wasnt late and paid in timely manner. The dispute reported accurate from creditor but its incorrect and I need further investigation with this creditor.
11/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33916
Web
My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.
07/31/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • GA
  • 30117
Web
I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. Credit Limit $ XXXX {$760.00}
11/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 15146
Web
Company will not verify in writing if account is open or closed, provide provisional credit for disputed related to pro-candle supply and or refund fees associated with the hardship program that removed these fees. They also never sent me anything in writing about enrolling or with drawing my application and continue to call me related to these fees. They refused credit line increases per every request
01/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30349
Web Servicemember
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company in response sends a letter stating they could not " VERIFY '' the account instead. Which shows they disregarded that I asked for " validation of the account ". The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}
11/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MN
  • 557XX
Web
I made my payment as agreed. I seen on my credit report that the payment amount due per month was increased to {$94.00}, but I was not informed. I just looked at the payment due and even though I made a payment, they charged a late fee and an unknown fee again. This is now the 7th month in row they have done this type of practice. Not informing me of the change in payment amount is illegal in itself.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KY
  • 403XX
Web Servicemember
I have tried to resolve my issues with Continental Finance Company concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
10/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Billing dispute for services
  • OH
  • 43512
Web
Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.
05/25/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • SC
  • 295XX
Web
Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.
04/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • KY
  • 42141
Web
I paid XX/XX/XXXX XXXX and something on my credit card and then they took it back off my limit tried saying it was returned or refunded or canceled and my bank verification says it was paid settled then I reached out to the credit card support and they was rude was hanging up on me and calling me lier 's and just trying to keep my money in my credit rude I even sent XX/XX/XXXX proof from the bank
06/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37421
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
07/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 449XX
Web Older American, Servicemember
My problem is Continental Finance who supports XXXX Credit Card manipulates payments and posting. I was told that my payment is held for 7 days before posting, which is not true. I had a double charge which was suppose to credit back to my account which has been sitting there for 13 days as of today. I understand they are helping me rebuild my credit, but they need to practice what they preach.
09/28/2016 Yes
  • Credit card
  • Billing disputes
  • AZ
  • 856XX
Web
THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT
06/02/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NH
  • 03103
Web
I had applied for a personal loan with A vent and they were taking the money out on different dates and not reporting payments. Then after a letter from a inquirer we did with NH Banking Department. I found they were not licence and stooped paying and now they reported missed payments to the credit bureaus, yet still have n't sent me a contract or sent me any info on the terms we agreed to.
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • TN
  • 377XX
Web
After speaking with continental finance about my issues I am having I have received several calls of harassment within minutes of each other. I called back the number showing in my caller id and confirmed who was calling... ..the cards is surge. And I have gotten usually 25 calls within 2 minutes two or three times a day everyday .the number calling me shows as a local number XXXX XXXX.
12/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06320
Web
XXXX XXXXXXXX refunded an amount of {$80.00} to my XXXX XXXX ending in XXXX on XXXX, shows posted as of today, XXXX, amount does not show in available credit which is now {$290.00}. My credit line is {$1000.00}. A purchase from XXXX XXXX in amount of XXXX was made on XXXX, however, my available credit should show around {$370.00} with return from XXXX XXXX including XXXX XXXX purchase.
06/18/2016 Yes
  • Credit card
  • Other fee
  • MA
  • 01902
Web
I have a credit card with XXXX ( Continental Finance ). The credit limit is {$500.00}. It was renewed automatically in 2016. I never used it in 2016 but to date I have been billed {$240.00} in fees. I paid {$170.00} in fees just to protect my credit and I cancelled my card but the bills keep coming. My credit rating is damaged and I am still getting bills, the latest is for {$160.00}.
09/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 284XX
Web
Company Paying : Continental Finance City/State : XXXX.If you have any questions about your application please call us at XXXX Monday Friday XXXX XXXX XXXX XXXX ET and Saturday XXXX XXXX XXXXXXXX XXXX ET. This company has been pulling my credit for over two years I have reported them to the XXXX I had the freeze my credit because of them and I need something done. Please help me!
02/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 19145
Web
In XXXX of XXXX I called into and cancelled My XXXX credit card with Continental Fianance. On XX/XX/XXXX my bank account was debited {$120.00}. On XX/XX/XXXX I called to dispute the {$120.00} debit from my bank account and was told that I authorized the payment. This is false. I never authorized payment on a closed account with a XXXX balance. I want a prompt refund of this money.
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • RI
  • 02893
Web
Credit card company report of non payment to credit bureau due on XXXX XXXX 2021 to drop XXXX credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint
12/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 104XX
Web Older American
I had closed my credit card with ContinentalFinance and they sent me a refund check-XXXX for {$50.00} which bounced onXXXX and i was charged {$15.00} for the check bouncing.I wrote to Continental finance at their XXXX, DE and requested a {$15.00} refund for the bounced check two weeks ago-never received a response from CDontinental. I would like to be refunded {$15.00}.
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 777XX
Web
XXXX XXXX XXXX XXXX {$540.00},, XXXX XXXX XXXX XXXX XXXXXXXX, CONTINENTAL FIN CO. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, these were settled years ago but change and sold to several other companies. Delete ASAP
12/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39208
Web
I recently sent a 609 letter to this company requesting they verify/validate this debt by sending payment history, purchase history, application and contract and I have yet to get any of this information from them. By law they are required to provide this information to me, if they arent able to provide it I need everything associated with the accounted deleted. Thanks
01/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33068
Web
I have this credit card, continental finance, that was opened in XXXX and its listed on XXXX under 2 different names. The names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. While on XXXX and XXXX its listed as XXXX. I wanted to know how could I go about fixing this issue and if the credit card could report my status, because its showing the last update was in XXXX.
12/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 275XX
Web
They called my work number and I work in healthcare and was with a patient. I told them they needed to call my cell #. She said no, u call me back. I said well Im with a patient and I havent heard anything about this debt, she said well I will just send you to collections then. I told her that this is very unprofessional and I can loose my job. She said ok and hung up
11/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95842
Web Older American
XXXX purchased anything on this card in over two months its been sitting in my closet all of a sudden Ive been paying {$35.00} every month so I can hurry up and pay the {$750.00} off on this card as of yesterday I have a balance of XXXX now today 24 hours later I have a balance of XXXXXXXX XXXX XXXX dollars Im getting hit for late fees and Im not even using this card
02/19/2016 Yes
  • Credit card
  • Late fee
  • NV
  • 89178
Web
I would like to file a complaint against Verve MasterCard Company, due to the extremely high late fees and interest rate. I have tried to contact these people to work that out and it looks like every month they are taking on over hundred dollars worth of fees that is way too high for any credit card I own for credit cards and none of them is this high, please help!!!
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NJ
  • 07026
Web
I lost my wallet in XX/XX/2022, someone used it, I reported it. All of the companies investigated and put the money back on my card, except for XXXX Per XXXX, I used my card. I was assigned a fraud person named XXXX. I have left him messages and emails to contact me. No reply at all. Its obvious they did not investigate adequately. XXXX number XXXX XXXX XXXX XXXX
08/18/2016 Yes
  • Credit card
  • Delinquent account
  • FL
  • 33771
Web
The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.
01/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 60563
Web
The credit card company was sold and changed owners, and also switched payment platforms. I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. Terrible company and worse service!
05/20/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 439XX
Web Older American
On XXXX XXXX2023 the credit card company said I owed them a minimum payment of about {$41.00}, so I sent them an {$80.00} payment for it on XXXX XXXX2023. They ignored my payment as if I didn't make it and overdrew my credit line by {$20.00} and said I still owed them a payment of {$41.00} on XXXX XXXX2023. They also charged me a {$10.00} over-the-limit fee.
10/28/2016 Yes
  • Credit card
  • Billing statement
  • PA
  • 185XX
Web
The company delivered statements and other communications electronically while my account was open, as agreed. When I closed my account, the company terminated my access to their website but continued delivering statements electronically, which I could not access. A supervisor refused to say whether future communications would be delivered through the mail.
01/10/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • PA
  • 15146
Web
XXXX credit card put a hold on my account do to return payment from my checking at XXXX XXXX, where I receive direct deposits from my job and receive or make XXXX XXXX payments. They have yet to remove the hold and cant reach cash app. My balance is {$0.00} on my credit card as its paid in full. Its been on hold for attests 30 days from XXXX XXXX XXXX XXXX
02/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IN
  • 46902
Web
Recently found unproven information on my credit report from Continental Finance Company. When I spoke with the credit bureaus, they verified that they never spoke to anyone at Continental Finance regarding information related to this account. This means the company lied when they claimed to have " verified '' the account. See attached demand letter.
11/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 11204
Web
On XX/XX/2021, I applied for and was approved for a XXXX XXXX with Continental Finance Company and received an approval email with a reference number. Several days later, I am being told that I applied for the wrong card, that there was a display error, and that I should disregard the original card and accept another card that I did not apply for.
11/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92592
Web
Original creditor was XXXX continental finance company. Debt was then sold and the debt to XXXX XXXX XXXX Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MO
  • 63114
Web Servicemember
I was sent in to collections with out notice charge off oj my report. Paid the charge off and there still adding derogatory comments amd statements on my report.Misleading information for creditors. I belive that's not fair credit reporting. I've called and asked for updates no results. They continue to blemish my credit report after i paid them.
05/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • XXXXX
Web
I have contacted XXXX XXXX XXXX protection on more than 3 occasions to see if I'm enrolled in credit protection. The first time they only had one person working in the department XXXX she said the system is down. the 3nd time no onr answered.. and today someone answered and didn't say nothing. this is unacceptable and needs to ne resolved ASAP.
02/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 84040
Web Older American
My credit card was charged over the limit with fraudulent charges I did not authorize nor did I personally make. I have made numerous calls to the card fraud department and have been unable to get a resolution. I disputed all charges on XX/XX/2021 in the amount XXXX. The card has been disabled by Continental Finance who is the card issuer.
11/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 23455
Web Servicemember
I contacted the credit card company and was issued a new card but havent been adjusted for these charges that I didnt make. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 34243
Web
Received an email congratulating me on the approval of a XXXX XXXX XXXX - Phoned the company and found out that someone has my personal information and used a phone number ( XXXX ) XXXX to apply for the card. The phone number is disconnected. I have reported this to all 3 credit bureaus and placed a security alert on my own credit file.
07/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 91605
Web
On XX/XX/2021, I viewed my credit report and saw there was a new collections from XXXX XXXX XXXX that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.
01/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19143
Web Older American, Servicemember
I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.
11/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06320
Web
Payment in the amount of {$200.00} was made on XXXX to XXXX XXXX, account ending in XXXX, does not show posted or pending as of today. XX/XX/10. I've checked with bank, payment does not show posted on their end or in pending status.. There appears to be an error on end of XXXX XXXX aka Continental Finance Company regarding this payment.
03/30/2016 Yes
  • Credit card
  • Delinquent account
  • TX
  • 79407
Web
I REQUESTED ASSISTANCE FROM CONTINENTAL FINANCE IN REGARDS TO MY CREDIT CARD ACCOUNT. I WAS NEVER LATE UNTIL THE LAST FEW MONTHS. I WOULD LIKE TO BE OFFERED A SETTLEMENT OR A REPAYMENT PLAN THAT WILL PAY OFF MY ACCOUNT AND REVERT IT TO CURRENT AND PAID OFF ON MY CREDIT REPORTS. I HAVE REACHED OUT TO CONTINENTAL FINANCE WITH NO RESPONSE.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77035
Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 91741
Web
I closed this credit card account and they continued to charge me a maintenance fee, which lead to a late fee, and a missed payment on my credit report. I knew nothing about it until I get an alert on my credit report that I hav a missed payment. So now my credit dropped XXXX points and my 100 % on time payments have been compromised.
07/08/2016 Yes
  • Credit card
  • Other fee
  • IN
  • 463XX
Web
The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.
01/07/2016 Yes
  • Credit card
  • Billing disputes
  • NC
  • 279XX
Web
My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.
11/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MD
  • 20745
Web
The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.
10/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85635
Web
Ongoing dispute for {$900.00} worth of charges. Dating back to XXXX XXXX weekend of XXXX. No written correspondence from company with decision. No calls back from designated fraud investigator. Numerous calls left to fraud department with no messages returned, charging interest and requiring payment during an active dispute.
02/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 92583
Web Servicemember
I received a refund notice from XXXX on XX/XX/2022 for an item I returned. The refund went to the credit card ending in XXXX, XXXX XXXX XXXX. The credit card account is closed, therefore, I mailed and faxed ( fax # XXXX ) a letter to XXXX XXXX XXXX. As of XX/XX/2022, XXXX XXXX XXXX has not responded or sent the refund to me.
04/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • TN
  • 382XX
Web Servicemember
I contacted XXXXXXXX XXXX customer service on several occasions spanning a few months and had asked for a reduction in fees and interest due to a temporary hardship which at one point it was stated it would be done and it never was. Customer service refused to fix anything, reported my account as delinquent and charged off.
05/12/2015 Yes
  • Credit card
  • Other
  • IL
  • 60640
Web
Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.
10/23/2015 Yes
  • Credit card
  • Delinquent account
  • AL
  • 354XX
Web
XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone.
01/31/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33510
Web
I need this company to take this fraudulent account off my report I have reached out to them and have not gotten a response, I never opened this account and have send many letters fax and emails they have failed to reply to me and its because they dont have the documentation bearing my signature that I asked for ....
10/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NY
  • 14609
Web
I opened a account with XXXX XXXX XXXX through continental finance fall 2021 I misplaced the card and I have been waiting on a replacement card for a year now I call every month because they say it takes 14 to 21 days and I still havent received it yet I called and spoke to every manager about 7 times please help
08/13/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28208
Web
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
10/13/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • NY
  • 10467
Web
I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.
01/11/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30253
Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
09/14/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85704
Web
I am a victim of ID theft starting around XXXX and I found out earlier this year. There are several accounts listed a XXXX including an XXXX XXXX XXXX, XXXX XXXX XXXX, as well as a XXXX XXXX XXXX card that I did not open. I have a police report stating so and that is all I am required to provide them by law.
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 308XX
Web
In accordance with the Fair Credit act CONTINENTAL FINANCE COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
06/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34746
Web
In accordance with the Fair Credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
10/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • PA
  • 19401
Web
I paid the company XXXX on the bill, and was told the account was closed, but it continue to add late fee and monthly maintanance fees every month. Even though I'm not using the card, in fact I was cut the card up, cause they told me it closed, but I still receiving a bill every month, it up to like XXXX now.
07/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 777XX
Web
On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 308XX
Web
In accordance with the Fair Credit act CONTINENTAL FINANCE CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
01/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 287XX
Web
Account # : XXXX Just wondering the reason as to why this account is still showing up on my credit report, also see attached. This account is a dead trade line and is over XXXX years old. Could you please see that this account is deleted from all the credit reporting agencies that you use. Thanks you.
06/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CT
  • XXXXX
Web
My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to it.
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19007
Web
This account was paid. Ive contacted XXXX, XXXX and Continental Finance on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from XXXX and XXXX.
10/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 46062
Web
I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks
01/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OH
  • 44106
Web Servicemember
I have a problem with a contintential finance surge card. I reported the card missing and have a new one sent. I later found the card but my account was cancelled and the fees are still piling up. I only used the card once and paid the balance off right away. This mistake is hurting my credit report.
07/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • OH
  • 43054
Web
I had been charged and paid for Credit protection on my Verve credit card and they sent me to collections without giving me the opportunity to use my credit protection during my job loss. This is what the credit protection was for. This has caused my account to go into collections and to a lawyer.
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60644
Web
In accordance with the Fair Credit Reporting act XXXX Account #, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
06/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • XXXXX
Web
I have spoken to the company several times in regards to incorrect late payment information that has been reported, I have also sent in my report that they requested showing the incorrect information and nothing has been done, I would like late payments to be removed due to inaccurate information.
04/21/2016 Yes
  • Credit card
  • Delinquent account
  • MA
  • 018XX
Web
Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.
07/07/2015 Yes
  • Credit card
  • Bankruptcy
  • MI
  • 49534
Web
I do not recall getting, or signing up for this card, it is showing up on my credit report stating open in XX/XX/XXXX, the company closed XX/XX/XXXX, it also shows written off for XXXX, I have since filled bankrupcy XX/XX/XXXX so this should not be on credit report, plus it is almost 7 years later
11/10/2015 Yes
  • Credit card
  • Billing disputes
  • PA
  • 17110
Web
Tried to resolve dispute with XXXX XXXX ext. XXXX, she stated 60 days for dispute to be resolved treated in a Discriminatory manner, by XXXX XXXX. Also purchase Credit Protection on XX/XX/XXXX. Spoke with XXXX XXXX, conversation at XXXX est on XX/XX/XXXX will show XXXX XXXX discriminatory manner.
06/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • VA
  • 23452
Web
The information on the back of the card is not valid information to determine if the account has been sold. I've tired the information on the back of the card I still have in my possession but the automated system is not transferring me over to get a live operator. the website is no help either.
08/30/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • MA
  • 02474
Web Older American
I closed my account in XX/XX/2023 with a credit balance of {$67.00}. was promised it would be refunded in 7 days. Just got a statement on XX/XX/2023 with the balance still being held by them. Called on XX/XX/2023, they again said they would refund the money in 7 days, still not received refund.
12/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NJ
  • 08817
Web
Received an alert that a XXXX card was closed. Also received a letter from them. Called to discuss why. Was told that because I stopped a payment of XXXX last month my account would remain closed until I pay of the entire balance of XXXX but I have been paying them monthly as I was supposed to.
07/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • PA
  • 186XX
Web Older American
Previously complained that Celtic Bank/Continental Finance had charged off the account and sold it to a collection company. They refused to send me a 1099. The collection company has gone out of business. They were supposed to delete the account from the XXXX credit bureaus, but they did not.
09/01/2016 Yes
  • Credit card
  • Delinquent account
  • NY
  • 10453
Web
Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be removed from my credit report.
04/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30813
Web
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
10/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 231XX
Web
I called this company XXXX and sent a letter to their address that's on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX to verify an account that their agency is reporting on my credit report but no one there seems to know anything about an account using my SSN, DOB, and Full Name.
01/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 60644
Web
on XX/XX/2023 I contacted Celtic bank about a card opened in my name as fraud .they told me the account XXXX was closed and I wasn't not responsible for the charges, but they have kept sending letters trying to collect the balance they are still reporting late payments to my credit report.
05/20/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • 67217
Web
My XXXX credit bureau was pulled by Continental Fin Co on both XXXX and XXXX . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
01/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33510
Web
This company was opened fraudulently, and I have asked them to remove themselves and have not heard back from them they must delete this listing from my report ASAP ... ..or provide proof under section 609 that validate this debt, the account was not opened by me or does it belong to me
09/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 454XX
Web
I tried to get my first credit card by XXXX but was denied because they said I had credit card debt. I then checked my credit report and seen there was debt on my credit {$720.00}. I called the debt collection company associated with it and asked about it. Seem to be a scam themselves.
03/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32819
Web Older American
my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
08/16/2017 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • MI
  • 48237
Web
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30 days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements
12/24/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92407
Web
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. On XX/XX/XXXX XXXX Creditor contact details : continental Fin co XXXX, DE XXXX XXXX Inquiry from XX/XX/XXXX Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XX/XX/XXXX
06/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07753
Web
I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.
08/13/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • GA
  • 30047
Web
hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit agency
07/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18102
Web
I am a victim of idenity threft. my federal trade commission idenity theft record No. is XXXX I XXXX XXXX did not make any applications to XXXX XXXX XXXX XXXX XXXXXXXX. YOU HAVE MY MAIDENN NAME also that is fraudulent activity. I was written off with a form letter.
10/31/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • NV
  • 89014
Web
I applied for a XXXX Mastercard and was approved and Continental Finance states they mailed the credit card on XX/XX/2018, then on XX/XX/2018 and when I called on XX/XX/2018. In actuality a credit card was never mailed it was just stated to get me to pay the XXXX fee.
12/18/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DE
  • 19701
Web
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud
05/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84047
Web
XXXX is charging me fees on fees for a fraudulent charge that they recovered. They have since sent the fees on fees wrongful charges to collections. They are also filing negative reports with the credit bureaus. This is immoral, unethical, criminal and Negligent.
12/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11375
Web
I was given a promotional offer which stated a {$300.00} Dollar increase for my XXXX XXXX XXXX. The offer stated that the offer was already pre-approved. The credit card company and the credit bureau subsequently rejected my request for an increase per agreement.
02/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TX
  • 78641
Web Servicemember
The problem is with this credit card company XXXX. I keep making payments on my bill and they keep changing the amount due. It's like they are trying to get me to pay all of the balance off. It is a very misleading company and no u can't use the card everywhere!!
04/27/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93726
Web
Original Creditor : Continental Fin Co Two Different Amounts {$230.00} - {$700.00} Amount Claiming Owned XX/XX/2019 Date Reporting On My Credit Profile **** Requesting **** VOD Validation Of Debt **** Account Status Reporting Negatively Hurting My Credit Profile
04/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 33020
Web
I have had problem with the cards the fee are over 600 dollars my credit limit is XXXX I asked to close account long time ago but they dont want to close. I have problems paying for the last6 months but they dont want to give me an affordable amount to pay back
08/12/2015 No
  • Credit card
  • Payoff process
  • FL
  • 32962
Web
Opened an account with company, set up automatic payments, payments were never taken causing late fees and over credit but never received any notice this was happening month after month now with fee 's the amount owed is over {$200.00} then original balance.
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34787
Web
I was checking on my credit report and came across this error listed on my credit. XXXX continental finance XX/XX/2020 is showing on my credit report and Ive never taken anything out from this company. Please review and remove from my account. Thank you
01/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75204
Web
I got an update about a change on my credit report from my XXXXXXXX XXXX on XX/XX/2021 about an Installment loan or New bank account inquiry for Continental FinanceXXXX and I dont recognize the inquiry nor did I give consent for this inquiry to take place.
07/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30013
Web
XXXX XXXX 2018, a reported har d inquiry was pulled on my credit report. To my knowledge I had NOT giving this company consent to pull my credit. In requests I will like to see valid validation and signature consent for this company to run my credit.
02/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 90250
Web Older American
On XX/XX/2019, I sent XXXX credit card {$250.00} ; keep in mind my limit is {$500.00} I was not over it. Somehow they ate up {$150.00} 's in fees ; the largest fee being the annual fee of a {$100.00}. This is unexceptable. The advertising shows no annual.
08/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90038
Web
XXXX XXXX says they purchased a charged off debt of {$3700.00} from Continental Finance. Im not familiar with this bank. I also discharged bankruptcy in XX/XX/2013 but this creditor isnt listed. This also has never appeared on any of my credit reports.
11/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33023
Web
On XXXX. XXXX, 2019, CONTINENTAL FIN CO add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX.
03/26/2015 Yes
  • Prepaid card
  • General purpose card
  • Managing, opening, or closing account
  • NY
  • 10010
Web
I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.
04/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • RI
  • 02861
Web
XXXX XXXX on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a matrix master card
11/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85202
Web Servicemember
Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.
04/07/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90302
Web Older American
If my balance is XXXX Matrix charges a {$12.00} fee for maintenance. I will have to close the account out. I wish to close the account, but I do n't expect to get a negative credit report. It is unfair to charge money on a close account.
03/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70706
Web
Someone opened a credit card in my name and ssn I have spoken with XXXX XXXX and they say the card was opened with a New Jersey address and we live in Louisiana the card is with Celtic bank/continental finance it was opened XXXX/XXXX/21
12/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 15068
Web
I purchased a few things from XXXX and they sent me the wrong item they are refusing to send me a return label and the credit card company is refusing to credit my card back. So I had to pay for shipping myself to send everything back
07/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TN
  • 38133
Web
I entered a XXXX management program with XXXX XXXX XXXX. They have sent a payment to XXXX XXXX XXXX and they processed the payment. They accepted the check therefore they should have changed the payments and not charged me a late fee.
10/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19152
Web
XXXX XXXX XXXX close my account due to fraud The problem is is that I had nothing to do with it going on XXXX months sent them everything they wanted and they still haven't corrected the problem and they're costing me a lot of money
01/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CT
  • 06511
Web
I opened an account with Continental Finance ( XXXX XXXX XXXX ) and received a XXXX credit card. I went to look up my balance and the website is not functional ; the telephone customer service number just hangs up when you call it.
01/20/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06320
Web
My Cerullean card ending in XXXX is being reported with a balance of {$610.00} XXXX, account currently shows paid off, being reported with credit bureaus with balance of {$610.00}. Account does not appear to be reported correctly.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92311
Web
I have contacted all 3 credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
09/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72761
Web
ONCE AGAIN XXXX XXXX IS DISALLOWING MY CREDIT OPPORTUNTIES AND NOW MUST ADVISE YOU BOTH FOR VIOLATING THE F.C.R.A. 15 U.S.C. Section 1681g and the DODD-FRANK XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. BY DESTROYING CAPITALISM.
01/23/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30165
Web
Continental Finance/XXXX is still reporting a negative item on my XXXX Credit report from XXXX of 2007. They are violating the stature of limitations to continue to report the negative iteam on my credit report and violating FCRA.
12/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11375
Web
Misleading advertising that I received was not honored. The email which was associated with my XXXX XXXX XXXX Credit Card stated that I was pre-approved. Had not noticed the asterisk associated with the email which was deceitful.
11/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • FL
  • 33614
Web
Yes i have an account with XXXX credit card i pay my minimum payment each month but it all goes to fees and interest i never seem to get ahead in payments.i talked to them and they were not helpful.please help me in this matter.
04/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 432XX
Web Servicemember
I received a call today from a company that did not identify itself when calling. They suggested I have a debt owed to them for a credit card. The person was rude, threatened damage to my credit and threatened daily harassment.
11/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 985XX
Web
When I am even 1 day late on my payment they will call my phone over 10 times a day until payment is made. I have asked them a few different times to please quit calling me 10 or more times a day and nothing has been resolved.
12/03/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • UT
  • 84047
Web
I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX
06/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NE
  • 68154
Web
Continental Finance is reporting I missed a payment in XXXX of 2019. No payment was missed and shows on-time payments before and after this error. Please fix this error to show a payment was never missed or I will file suit.
01/31/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 77433
Web
XXXX XXXX XXXX, XXXX IS REPORTING IN MY CREDIT REPORT THAT I OWE AN AMOUNT OF XXXX from continental finance but has not provides any proof that this is if fact my debt. It states that this account was opened on XX/XX/2020.
09/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NJ
  • 07107
Web
Company continuously call me everyday, 4 times a day, trying to collect a debt that has been discharged in bankruptcy. I have asked them to stop contacting me and referred them to my lawyer, but they continue to call!
07/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30906
Web
I called XXXX XXXX about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!
02/16/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • TX
  • 79763
Web
Matrix Credit Card says my account is closed as of XXXX/XXXX/17 but still wanting to charge me {$12.00} a month. Ca n't access web site to see anything and people over phone are clueless and just say they cant help.
11/12/2015 No
  • Credit card
  • Advertising and marketing
  • NC
  • 28208
Web
I taught I was applying for a regular credit card, this turned out to be a scam. They issued me the card with a XXXX. XXXX dollar amount, but recevied the card with amount of XXXX after they toook a fee of XXXX.
04/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19154
Web
XXXX XXXX has marked my credit report as delinquent, yet their site shows payments every month. I was misled by their site and feel that their site is misleading and deceives you into believing you are current.
04/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 77021
Web
Stated on XX/XX/XXXX that I will be sued in XXXX for an old debt for legal fees and the amount owed that was from XX/XX/XXXX. The company stated I need to sign some papers. Company 's name continental finance.
12/23/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CO
  • 80526
Web Older American
I get repeated daily calls from Continental Finance on my cell phone from XXXX. The hang up when I answer. I owe nothing to them, or anyone else. I have never done business with them. The harassment must stop.
02/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44118
Web
XXXX claims that they could not find and records of my dispute. I have complete numerous web application via XXXX Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.
12/07/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • OR
  • 97756
Web
Continential finance Debt collector, is threating to garnish wages, take me to court, they have been calling my phone resticted. I have not been served, and have not received any settlement bill from them
03/20/2016 Yes
  • Credit card
  • Billing disputes
  • FL
  • 32114
Web
I pay have a credit card through consumer finance. Every month they are reporting me delinquent on payments. They are damaging my credit, and non of the payment I have made have ever been 30 days past due.
05/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11729
Web
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize
06/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32726
Web
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33511
Web
I have no knowledge of this hard inquiries, this is a result of identity thief, this inquiry from Continental FinanceXXXX , must be removed no later than XXXX business days as per 15 U.S. CODE 1681C-2.
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15212
Web Servicemember
I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.
11/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 374XX
Web
Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.
09/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • 21040
Web Older American, Servicemember
The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on XX/XX/XXXX.
01/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 15146
Web
Payments made from XXXX on cards ending in XXXX and XXXX havent posted on statements as terms and conditions have stated which affected my credit. Company wont lower monthly minimum or interest
02/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NE
  • 68022
Web
I have contacted Continental Financial Company to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!
12/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AL
  • 35244
Web
I was checking my credit report today and noticed several accounts I don't recognize. Celtic Bank Continen being one. I didn't open this account. I believe my older brother did it in my name.
04/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 18902
Web Servicemember
these are calls that were made to a XXXX XXXX. XXXX XXXX has told them they have the wrong number, and blocked their calls and texts yet they continue to switch numbers to bypass the blocks.
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • OH
  • 43612
Web
Credit card was closed on XX/XX/2021. Has been paid in full. I have called 3 times to take care of this. They are charging me monthly fees and now late fees 2 years after it has been closed
10/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 63114
Web Servicemember
This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23
08/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • AL
  • 35630
Web Older American
XXXX Credit Card manage by Continental Finance is taking over 50 % of my payments to monthly fees and interest. I asked why and no one could give me an answer. finally they hung up on me.
01/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32714
Web
I had an account XX/XX/2015 with XXXX/ Cont Finco. I closed it and then settled it as paid in full for less. I ask them to remove the account after i settled it. they said they could not.
10/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 48823
Web
I filed a complaint with your office. They closed my account and waived the annual fee. They opened it back, charged the annual fee. They closed it again, but didnt waive the annual fee.
08/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OR
  • 97229
Web
Sent a letter on XX/XX/23. Company still has not responded. The collections company holding this debt has removed the debt off credit report. This credit card company has not as of yet.
01/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48183
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the account 30 days past due. 15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.
10/14/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TN
  • 37167
Web
I have contacted Continental Finance/XXXXXXXX XXXX XXXX XXXX several time to try and settle my debt with them but they will not respond to any of the letters that I have sent to them.
08/07/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 92284
Web
I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you
11/14/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10704
Web
Collection account on my credit report. Company asked if I needed help while dealing with Covid and then tripled my payments and charged my account off. Continental finance LL XXXX
11/20/2015 No
  • Credit card
  • Credit card protection / Debt protection
  • IL
  • 60445
Web
MATRIX CARD, CONTINENTAL FINANCE REFUSES TO HONOR THE CREDIT PROTECT AND LIKE WIFE XXXX XXXX MUST DISCARGE ENTIRE BALANCE OR BE SUED IN STATE COURT FOR MIS LEADING THE CONSUMER ETC
04/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 89014
Web
Continential finance is reporting my credit card as being over 30 days late, however when called and spoke with the supervisor they admitted that it was never over 30 days late.
04/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92673
Web
Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.
02/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 410XX
Web
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.
04/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37604
Web
We sent police report to XXXX XXXX ( original creditor Continental finance of Missouri ) Then we got letter saying we needed to send report through Federal Trade Commission
07/03/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60445
Web
XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.
10/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NM
  • 87114
Web
I received a credit alert from XXXX that XXXX XXXX on XX/XX/21 @ XXXX XXXX mst they pulled my credit without authorization. The number provided no one answers to resolve.
09/07/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • FL
  • XXXXX
Web
The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus.
04/22/2016 Yes
  • Credit card
  • Billing disputes
  • PA
  • 19446
Web
This card is believed to have charged me more money than owed. Multiple inaccuracies charged to my account. I feel unsafe with this company having my credit information,
05/02/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 76106
Web
My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone
12/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 439XX
Web
I made a payment on XXXX for {$60.00} and they fraudulently withdrew another {$60.00} on XXXX, bouncing my checking account. This is the second time they've done this.
04/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32714
Web
I settled an account to satisfaction. I ask the creditor to remove it from all 3 Bureuas. after it was settled. they refuse to. please help me with this matter.Thanks.
07/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 19139
Web
Under 15 U.S.C 1681i ( XXXX ) method of verification, this account is in violation ; it was reported without valid evidence. Also, I had no knowledge of this account.
07/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 95961
Web
XXXX Credit card was applied for in my name to an address other than my own. XXXX bank was attempted to open, was unsuccessful. XXXX credit was applied for also
08/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33880
Web
This is not my account. I have spoken with Continental Finance at nauseam about this yet they have failed to remove the account despite confirming they would do so.
06/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95621
Web
I am disputing this account as my address being wrong, inaccurate information as to the opening date, and last activity date, also the interest is excessively high.
10/14/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90717
Web
I was in another state seeing my children at their dad 's home. I lost my wallet including all my credit cards, Continential Fiance was used without my permission.
07/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75104
Web
I have contacted company by certified mail and return receipt asking for proof of the alleged debt. They have not communicated back about the validity of the debt.
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85032
Web
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number
09/24/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85202
Web Servicemember
My XXXX XXXX XXXX # : XXXX is lost/stolen and all the transactions on my XXXX XXXX is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
12/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • PA
  • 15146
Web
Continental finance refuses to allow me to use my credit card. I made a payment of the balance in full and they wanted to do a conference call with my bank.
12/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NJ
  • 08879
Web
I have received a credit card I never applied for and they even spelled my name wrong but it still shows up under me as if I applied for it and is activated
03/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 175XX
Web
keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77545
Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
08/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72761
Web
TODAY I APPLIED FOR XXXX XXXX CONTINENTAL FINANCE AND XXXX XXXX XXXX PULLED XXXX IN AN EFFORTS TO JUSTIFY HIGHER RATE WITH NOTIFYIM=NG CONSUMER.REF XXXX
02/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 43085
Web
Sent letter in XXXX about incorrect credit reporting. Shows as 2 different accounts and has been discharged through bankruptcy. Showing 2 amounts due
11/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • IN
  • 464XX
Web
Had been make at least the minimum {$35.00} since opening the account and I was told the company closed my account due to to many returned payments
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NY
  • 11375
Web
The credit card company refused to increase credit limit by {$300.00}. Was told there would be an automatic increase for on-time payments.
05/02/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NC
  • 27295
Web Servicemember
Fees and charges got to be just out of hand could n't keep up paying it now my {$590.00} bill is $ XXXX the rest is interest and fees.
10/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29420
Web Servicemember
I checked my credit report and saw I had a account for collections, but I didnt open this account continental finance Acct # XXXX
12/22/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • NY
  • 11211
Web
I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards
09/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with fraud alerts or security freezes
  • MD
  • 21225
Web
I have a fraudulent account on my credit report in the name of XXXX XXXX XXXX amount of XXXX Can this be reoved from my accout
07/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • TX
  • 75154
Web
called and closed account XXXX XXXX to date account is still active and XXXX mastercard will not send me a monthly ststement.
10/08/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 137XX
Web Servicemember
This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call
03/08/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11375
Web
The credit card company did not increase the credit limit despite its promotional promise and customer service assurances.
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72761
Web
I APPLIED FOR THE XXXX XXXX REF XXXX AND WAS FORCED TO USE XXXX AGAINST MY WILL. AND XXXX AND CREDITOR BLOCK MY REPORT.
01/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 17545
Web Older American
I have notified XXXX XXXX of a reopened XXXX XXXX case. They are still reporting me delinquent -- Correct Credit report
08/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60639
Web
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/conti all was ask to remove inquiries. Called multiple times a day.
08/01/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43613
Web
They called me 5 times in a single day as a payment reminder without leaving a single message to explain who they were.
10/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33142
Web Servicemember
I called the company numerous times trying to have them remove the late payments. I have been making payments to them.
10/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 38701
Web
i want these hard inquires removed because i did not authorize these compainies to run my credit, that is fraudulent.
03/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30134
Web
Account is showing charged off never had an account with XXXX XXXX called and states no application or account for me
12/16/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 300XX
Web
Account appeared on my credit. After multiple attempts to remove, company continues to add account back to my credit.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30296
Web
there are like 24 inquiries I do not recognize on my report. I haven't applied for anything in the past 3-4 months.
01/01/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • GA
  • 30144
Web
Celtic bank was opened in my name without my consent in XX/XX/2022 I have not received this card or used this card
05/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NC
  • 27804
Web
Card is advertised as doubling the credit limit in 6 months. Called multiple times and told that is not an option.
12/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WI
  • 53406
Web Servicemember
i have made all payments never and issues and they closed my account for no reason even they varify all payments
11/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • NC
  • 27804
Web
Sent certified letter requesting account closure in XX/XX/2023. Company has not responded or closed my account
09/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web Servicemember
XXXXXXXX/CONTFIN this company is trying to collect a debt of {$790.00} that do not belongs to me since 2015.
09/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 310XX
Web Servicemember
XXXX XXXX XXXX company has sent my paid off closed account to, XXXX XXXX XXXX, this has damaged my credit
01/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 34698
Web Servicemember
This company continues to delay my payment processing I never update my account reports incorrectly etc.
03/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or missing disclosures
  • TN
  • 377XX
Web
I have never been to or used this company XXXX/Cont Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX
12/22/2023 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • TN
  • 38109
Web Servicemember
These codes have been violated 15 USC 1681 ; 15 USC 6508 ; 15 USC 6802-6805, under my fair credit act.
06/22/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 31405
Web Servicemember
I filed bankruptcy and the debt wa s discharged and it 's still on my report a year later.
08/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 601XX
Web
My account was marked for late payments for XXXX XXXX, XXXX, when I in fact made payments.
09/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46307
Web Servicemember
Continental Finance used and shared my credit info without my permission. XXXX did nothing
01/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91335
Web
Continental Finance has an inquiry on my report that I did not authorize on XX/XX/2021.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OR
  • 97206
Web
I have disputed and I feel the investigation was invalid due to inconsistency
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33139
Web Servicemember
This company is report false accounts and information in my credit file.
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 07747
Web
Paid Balance off and they closed my account and reported it as a default
09/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43212
Web
SOMEONE STOLE MY INDENTITY AND OPENED UP MULTIPLE ACCOUNTS IN MY NAME.
03/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11225
Web
XXXX XXXX via XXXX XXXX XXXX via XXXX XXXX XXXX CONTINENTAL FINANCE CO
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MD
  • 21212
Web
someone open an account on XX/XX/2023 without my knowledge or consent
03/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32811
Web
I do have many hard inquiries from companies that I do not recognize
11/11/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • XXXXX
Web
XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY
11/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 397XX
Web
This company is reporting hard inquiries that I did not do.
10/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • VA
  • 23607
Web Older American
Charging me interest rates and fees to a card I don't have
03/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92551
Web
I didn't receive identify verification from this company
06/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21215
Web
sent letter to validate account company never responded
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17104
Web
Credit inquiry was done without my consent
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30013
Web
Debt not owed does not belong to me.
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77038
Web
RAN CREDIT WITHOUT PERMISSION
12/05/2015 Yes
  • Credit card
  • Advertising and marketing
  • OH
  • 45417
Web
THEIR WEBSITE IS NOT WORKING
01/05/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • CA
  • 93722
Web
INQUIRY WAS NOT REMOVED
02/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 43068
Web
02/06/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 19154
Web
02/06/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08016
Web
02/02/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36609
Web
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08016
Web
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08016
Web
02/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90745
Web
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78735
Web
01/30/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • TX
  • 77067
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11218
Web
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 71129
Postal mail
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23505
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75081
Web
01/10/2024 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75158
Web
01/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08753
Web
01/09/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • AL
  • 35244
Web
01/04/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MI
  • 49548
Web
12/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IA
  • 50701
Web
12/29/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30034
Web
12/24/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NC
  • 27052
Web
12/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31901
Web
12/17/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • CA
  • 90731
Web
12/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 23030
Web
12/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WY
  • 82009
Web Servicemember
12/09/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WY
  • 82009
Web Servicemember
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30349
Web
12/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64790
Web
11/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 91910
Web
11/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19464
Web
11/15/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NC
  • 28110
Web
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89031
Web
11/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • CT
  • 06460
Web
11/13/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19151
Web
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92252
Web
11/12/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 32704
Web
11/11/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27260
Web
11/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NE
  • 68418
Web
11/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • OH
  • 43204
Web
11/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Electronic communications
  • Frequent or repeated messages
  • CT
  • 06460
Web
10/31/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 31015
Postal mail
10/20/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MN
  • 55760
Web
10/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • NJ
  • 07104
Web
10/18/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 79705
Web
10/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11434
Web
10/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31061
Web
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33139
Web Servicemember
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48237
Web
10/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
10/04/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27896
Web
10/03/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 63135
Phone
09/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 33166
Web
09/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • MD
  • 20716
Web Older American
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 71295
Web
08/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 61107
Web
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23831
Web Servicemember
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 13903
Web
08/18/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30093
Web
08/17/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NV
  • 89015
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27523
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39211
Web
08/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11355
Web Referral
08/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60614
Phone
08/09/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • FL
  • 32738
Web Servicemember
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07513
Web
08/07/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NV
  • 89015
Web
08/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07513
Web
08/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23242
Web Servicemember
08/03/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63388
Web
08/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NV
  • 89141
Web
08/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32765
Web Servicemember
07/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CA
  • 92552
Web
07/24/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85339
Web
07/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NJ
  • 07114
Web
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 07513
Web
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23234
Web
07/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63031
Web
06/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33705
Web
06/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77328
Web
06/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WA
  • 99208
Web
06/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NJ
  • 08837
Web
06/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70706
Web
06/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63033
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 12306
Web
06/01/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33872
Web
05/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29624
Web
05/30/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NJ
  • 07701
Web
05/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NC
  • 28390
Web
05/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10708
Web
05/26/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AL
  • 36801
Web Servicemember
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 12009
Phone Older American
05/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35750
Web
05/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 47129
Web
05/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35750
Web
05/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DE
  • 19934
Web
04/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27106
Web
04/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IN
  • 46409
Web
04/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • HI
  • 967XX
Web
04/21/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34711
Web
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 24266
Web
04/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85339
Web
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 24266
Web
04/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39051
Web
04/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29016
Web
04/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CT
  • 06518
Web
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 40390
Web Servicemember
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 34759
Web
04/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34759
Web
04/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85339
Web
04/06/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 49688
Web
04/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 92262
Web
03/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 90017
Phone Older American
03/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 31405
Web
03/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90723
Web Servicemember
03/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DE
  • 19934
Web
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28214
Web
03/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 18103
Web
03/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48433
Web
03/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • WY
  • 82009
Web Servicemember
03/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 31907
Web
03/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30273
Web
02/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 08837
Web
02/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11210
Web
02/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30087
Web Servicemember
02/04/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with fraud alerts or security freezes
  • PA
  • 19104
Web
01/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • KS
  • 66053
Phone
01/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 08837
Web
01/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30281
Web
01/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 96003
Phone
01/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 482XX
Web
01/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44305
Web
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • FL
  • 34786
Web Servicemember
12/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • CA
  • 91911
Web
12/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 93313
Web
12/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • IN
  • 46122
Web
12/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • WI
  • 53215
Web Referral
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23223
Web
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 317XX
Web
12/10/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Problem getting a working replacement card
  • NV
  • 89031
Web
12/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28269
Web Servicemember
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 17754
Web
12/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10452
Phone Older American, Servicemember
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32738
Web
12/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55343
Referral
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 723XX
Web
12/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 28031
Web
12/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AL
  • 36869
Web
11/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19152
Web
11/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WY
  • 82009
Web Servicemember
11/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 78221
Phone Servicemember
11/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 14215
Web
11/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 49445
Web Older American
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64093
Web
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 14621
Web
11/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95355
Web
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70127
Web
10/31/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • VA
  • 23222
Web
10/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30281
Web
10/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 075XX
Web
10/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 31907
Web
10/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 31907
Web
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33404
Web
10/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WY
  • 82009
Web Servicemember
10/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • FL
  • 32905
Web
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33610
Web
10/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48021
Web Servicemember
10/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27052
Web
10/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • NY
  • 14215
Web
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37347
Web
10/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78728
Web
10/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77045
Web
10/10/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • FL
  • 33025
Web Servicemember
10/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • MS
  • 38637
Web
10/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30044
Web Servicemember
09/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 14215
Web
09/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 77578
Web
09/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TN
  • 38114
Web
09/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30319
Web
09/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85260
Web
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28117
Web Servicemember
09/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 75403
Web
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14215
Web
09/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TN
  • 38114
Web
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27051
Web
09/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • PA
  • 19610
Web
09/03/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77515
Web Servicemember
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48198
Web
08/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • LA
  • 71457
Phone
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11520
Web
08/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 19130
Web
08/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • NY
  • 10460
Web
08/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33613
Phone
08/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
Web
08/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 10467
Web
07/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85140
Web
07/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11691
Phone
07/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NJ
  • 08822
Web
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10030
Web
07/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 34744
Postal mail Older American
07/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45014
Web
07/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 14304
Web
07/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77014
Web
07/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NJ
  • 08701
Web
07/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • NY
  • 14304
Web
06/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33872
Web
06/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95476
Phone
05/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32607
Web
05/23/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • FL
  • 33872
Web
05/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NH
  • 03109
Web
05/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • CA
  • 95818
Phone
05/14/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 02474
Web Older American
05/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 33872
Web
05/09/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95842
Phone Older American
04/28/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NV
  • 89029
Web
04/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • TN
  • 37072
Web
04/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 27330
Web
04/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11372
Web
04/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 14621
Web
04/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • NY
  • 11365
Phone
03/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WV
  • 26554
Web
03/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NJ
  • 07405
Web
03/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77375
Web
03/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Unexpected or other fees
  • MD
  • 21234
Phone
03/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30605
Web
03/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72336
Postal mail
03/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NY
  • 10468
Referral
02/27/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30064
Web
02/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 13207
Web
02/07/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • TX
  • 77083
Phone Older American
02/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 07060
Web
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11365
Phone
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32720
Web Servicemember
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34234
Web
01/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Problem getting a working replacement card
  • MI
  • 48205
Web
01/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MD
  • 20723
Web
01/18/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • TX
  • 77387
Web
01/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30037
Web Servicemember
01/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 22315
Referral
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32244
Web
12/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27410
Web
12/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06114
Web
12/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19082
Web Servicemember
12/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23703
Web
12/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • UT
  • 84403
Web
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79103
Web
12/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 78540
Web
11/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 39503
Web
11/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MO
  • 63390
Web
11/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20782
Web Servicemember
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37066
Web
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08077
Referral
11/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 76210
Web
11/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 62707
Web
11/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • LA
  • 71270
Web
11/03/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • TX
  • 75407
Web
10/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11691
Web
10/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MA
  • 02148
Web
10/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 06705
Web
10/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65616
Phone Older American
10/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • TX
  • 75048
Phone
10/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19131
Web
09/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 95610
Web
09/27/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44614
Referral
09/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NJ
  • 07052
Web
09/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
Phone
08/31/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NJ
  • 07945
Phone
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33510
Web
07/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 47122
Web
07/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33167
Web
07/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NY
  • 11228
Web
07/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33880
Web
07/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30294
Web
06/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 44074
Web
06/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77449
Web
06/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 44055
Web
06/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • OH
  • 44074
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37311
Phone
06/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77089
Web
05/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • KY
  • 40475
Referral
04/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32730
Phone Older American
03/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IN
  • 47201
Web
03/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19136
Web
03/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • SC
  • 29681
Web
03/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29681
Web
02/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20037
Web
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30349
Web
02/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76177
Web
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76177
Web
01/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • GA
  • 30012
Web
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30058
Web
01/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NJ
  • 08840
Web
01/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • SD
  • 57022
Web
01/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • OK
  • 74501
Web Servicemember
12/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77346
Fax
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75791
Web Servicemember
12/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76177
Web
11/27/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11207
Referral
11/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07203
Fax
11/21/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89119
Referral
11/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48917
Fax
11/19/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08873
Referral
11/17/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30901
Phone
11/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34656
Referral
11/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 76502
Postal mail
11/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36108
Web
10/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07111
Fax
10/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
Phone
10/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Sent card you never applied for
  • CA
  • 91764
Postal mail Servicemember
10/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • NM
  • 88001
Referral
10/07/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48840
Web
09/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 76502
Web Servicemember
09/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 95667
Phone Servicemember
09/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11743
Web Servicemember
09/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60613
Web
09/01/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30052
Web
08/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30047
Web
08/14/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 94124
Web Older American
08/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60466
Fax Older American
07/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • FL
  • 32174
Web
07/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 34474
Referral
07/19/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IA
  • 50211
Web
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27604
Web
07/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28216
Web
07/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 75027
Web
06/08/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32810
Web
06/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80020
Web
05/21/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90247
Web
05/13/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • CA
  • 90303
Phone Servicemember
05/12/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WI
  • 53546
Web
05/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 76177
Web
05/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77069
Web
05/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78130
Web Servicemember
04/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77069
Web
04/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20706
Web Servicemember
04/18/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60473
Web
03/25/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
Phone Older American
03/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • XXXXX
Web
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23464
Web Servicemember
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 90706
Web
03/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78130
Web Servicemember
02/13/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NJ
  • 08854
Web
02/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10512
Referral
02/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 94065
Web Servicemember
01/31/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95354
Phone Older American
12/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • SD
  • 57022
Web
12/06/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27406
Web
12/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 94544
Web
11/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
Phone Older American
11/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48066
Web
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30121
Web
10/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • IL
  • 60148
Web
09/24/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97886
Web
08/27/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NV
  • 89523
Web
08/06/2019 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Trouble using the card
  • Problem adding money
Phone
08/04/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NH
  • 03301
Web
07/11/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • MI
  • 48080
Postal mail Older American
07/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89145
Web
07/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NM
  • 87114
Web
06/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NM
  • 87701
Web
06/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 92660
Phone Older American
05/29/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 561XX
Web
05/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77007
Web
05/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60611
Web
05/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • FL
  • 33056
Referral
05/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 24486
Referral
05/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77007
Web
05/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 60611
Web
04/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • VA
  • 23141
Web
04/24/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60654
Postal mail
04/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • OR
  • 97886
Web
04/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • SC
  • 29571
Web
04/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • NM
  • 88352
Web Servicemember
04/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77007
Web
03/31/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48312
Web
03/26/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 23223
Web
03/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 31061
Phone
02/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • AR
  • 72076
Web Older American
02/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75169
Web
02/13/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • AZ
  • 85284
Web
02/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 36526
Web
02/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 86323
Web
02/01/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
01/29/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29223
Web Servicemember
01/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • FL
  • 33178
Web
01/19/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 90027
Web
11/25/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90027
Web
11/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95826
Web
11/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • VA
  • 23605
Postal mail
11/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • LA
  • 70814
Web
11/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44304
Web
10/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33990
Web
10/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TN
  • 38011
Web
10/16/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • AZ
  • 85719
Web
09/26/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60031
Web
08/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 28562
Fax
08/21/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85042
Web
08/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77079
Web
08/14/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • PA
  • 19150
Web
08/01/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90047
Web
06/29/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 77379
Web Older American, Servicemember
06/28/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75212
Postal mail
06/22/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 391XX
Web
06/06/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • WA
  • 98248
Referral
05/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11226
Web
05/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33682
Web
05/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
04/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MD
  • 21213
Web
04/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MI
  • 49519
Web
04/25/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 90066
Web
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 49401
Web
04/15/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 76017
Web
04/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19013
Web
04/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 16101
Postal mail
04/11/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • GA
  • 30083
Postal mail
04/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28747
Web
03/19/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 93535
Phone
03/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
Phone
03/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 075XX
Web
02/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19150
Web
02/05/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 21401
Web
01/29/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35124
Web
01/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IN
  • 46526
Web
01/22/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CO
  • 81005
Web
01/18/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44077
Postal mail
01/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92019
Web
01/03/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
Phone
01/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 23661
Web
12/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75791
Web
11/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20735
Web
11/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 80540
Web Older American
11/13/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
Referral
11/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20876
Web Servicemember
10/27/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MI
  • 48840
Web
10/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45231
Web
10/12/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
Phone
10/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SD
  • 57201
Web
10/02/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70301
Web
10/02/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • SC
  • 29048
Web
09/25/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95818
Web
09/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70817
Web
09/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 61554
Web
09/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 61554
Web
09/16/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60649
Web
09/15/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 95843
Web
08/23/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • ID
  • 83702
Phone
08/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27405
Web
08/21/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11738
Web
08/15/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19143
Web
08/10/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WA
  • 98225
Referral
08/08/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07503
Phone
08/04/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Add-on products and services
  • SC
  • 29577
Web
08/04/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27405
Web
08/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34473
Web
07/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OK
  • 73120
Postal mail
07/13/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07003
Web
07/02/2017 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NC
  • 28204
Web
06/23/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 79553
Web
06/17/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60624
Web
05/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 35160
Web
05/25/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NY
  • 14608
Phone
05/16/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44125
Postal mail
04/14/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • NJ
  • 07070
Fax
03/30/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • ID
  • 66940
Web Older American
03/23/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • OH
  • 44061
Web Older American
03/17/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • TX
  • 78251
Web
03/16/2017 Yes
  • Credit reporting
  • Unable to get credit report/credit score
  • Problem getting report or credit score
  • OK
  • 73438
Web
03/14/2017 Yes
  • Credit card
  • Closing/Cancelling account
  • WA
  • 98229
Web
03/04/2017 Yes
  • Credit card
  • APR or interest rate
  • TX
  • 77060
Web
01/27/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 79906
Web Servicemember
01/25/2017 Yes
  • Credit card
  • Delinquent account
  • TX
  • 77070
Web
01/19/2017 Yes
  • Credit card
  • Billing disputes
  • CA
  • 95832
Fax
01/18/2017 Yes
  • Credit card
  • Billing disputes
  • CA
  • 90250
Web
12/22/2016 Yes
  • Credit card
  • Other
  • CA
  • 91354
Web
12/16/2016 Yes
  • Credit card
  • Bankruptcy
  • GA
  • 31407
Web
12/12/2016 Yes
  • Credit card
  • Delinquent account
  • NE
  • 68108
Web
11/28/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • MA
  • 02356
Phone Servicemember
11/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20886
Web
11/09/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70360
Web
11/02/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 90026
Phone Older American
10/25/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • OH
  • 44054
Web
10/24/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • ME
  • 04901
Web
10/21/2016 Yes
  • Credit card
  • Payoff process
  • WA
  • 98683
Web
10/11/2016 Yes
  • Credit card
  • Other
  • MD
  • 20781
Web
10/08/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60618
Web
09/29/2016 Yes
  • Credit card
  • Billing statement
  • PA
  • 18011
Web
09/26/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MN
  • 55033
Phone
09/20/2016 Yes
  • Credit card
  • APR or interest rate
  • TN
  • 38103
Referral Older American
09/20/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NJ
  • 08070
Web
09/12/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • FL
  • 33179
Phone Older American, Servicemember
09/03/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • MA
  • 01545
Web
08/30/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NJ
  • 07103
Web
08/11/2016 Yes
  • Credit card
  • Billing statement
  • IN
  • 46374
Web
08/04/2016 Yes
  • Credit card
  • Closing/Cancelling account
  • PA
  • 16365
Postal mail
08/03/2016 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • VA
  • 22314
Web
07/31/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NJ
  • 07109
Web
07/29/2016 Yes
  • Credit card
  • Customer service / Customer relations
  • TX
  • 79912
Web Older American
07/28/2016 Yes
  • Credit card
  • Other
  • CA
  • 90026
Phone Older American
07/20/2016 Yes
  • Credit card
  • Delinquent account
  • NY
  • 10456
Web
07/18/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NJ
  • 08215
Phone Older American
07/15/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90003
Phone
06/29/2016 Yes
  • Credit card
  • Other
  • TX
  • 78108
Referral
06/15/2016 Yes
  • Credit card
  • Payoff process
  • IL
  • 61006
Web
06/03/2016 Yes
  • Credit card
  • Other
  • CT
  • 06451
Referral
05/20/2016 Yes
  • Credit card
  • Transaction issue
  • VA
  • 20176
Phone
05/16/2016 Yes
  • Credit card
  • Billing disputes
  • NJ
  • 07503
Phone
05/09/2016 Yes
  • Credit card
  • Other fee
  • PA
  • 19149
Web
04/16/2016 Yes
  • Credit card
  • Other
  • IN
  • 46835
Web
03/23/2016 Yes
  • Credit card
  • Billing statement
  • CA
  • 91411
Web
03/21/2016 Yes
  • Credit card
  • Other fee
  • MA
  • 01841
Phone
03/10/2016 Yes
  • Prepaid card
  • ID prepaid card
  • Advertising, marketing or disclosures
  • PA
  • 18901
Web
02/12/2016 Yes
  • Credit card
  • Other
  • FL
  • 33610
Web
02/04/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 76109
Web
02/04/2016 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60409
Web
02/03/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95928
Web
01/22/2016 Yes
  • Credit card
  • Billing disputes
  • CA
  • 90003
Phone
01/11/2016 Yes
  • Credit card
  • Delinquent account
  • DE
  • 32934
Phone
12/22/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45601
Web
12/21/2015 Yes
  • Credit card
  • Billing disputes
  • FL
  • 34990
Web
12/21/2015 Yes
  • Credit card
  • Late fee
  • TX
  • 75087
Referral
12/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10033
Referral
12/14/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 75025
Web
12/03/2015 Yes
  • Credit card
  • Other
  • NY
  • 11229
Web
11/23/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 61604
Phone
11/19/2015 Yes
  • Credit card
  • Billing disputes
  • NJ
  • 07050
Web
11/12/2015 Yes
  • Credit card
  • Other
  • NJ
  • 08081
Referral
11/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20716
Postal mail
11/03/2015 Yes
  • Credit card
  • Other
  • NC
  • 27107
Web
10/30/2015 Yes
  • Credit card
  • Delinquent account
  • CT
  • 06451
Postal mail
10/28/2015 Yes
  • Credit card
  • Credit determination
  • CT
  • 06451
Phone
10/13/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MI
  • 48180
Web
10/07/2015 Yes
  • Credit card
  • Delinquent account
  • NY
  • 11692
Web
10/06/2015 Yes
  • Credit card
  • Billing disputes
  • NC
  • 28216
Phone
09/24/2015 Yes
  • Credit card
  • Application processing delay
  • MA
  • 01082
Fax
09/15/2015 No
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NJ
  • 08820
Phone
09/06/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • CT
  • 06825
Web
08/29/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DE
  • 19701
Web
08/27/2015 Yes
  • Credit card
  • Other
  • FL
  • 32779
Web
08/17/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • SC
  • 29673
Web Servicemember
08/12/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 16160
Web
08/09/2015 Yes
  • Credit card
  • Other fee
  • TX
  • 77489
Web
08/05/2015 Yes
  • Other financial service
  • Traveler’s/Cashier’s checks
  • Customer service/Customer relations
  • NY
  • 14626
Web
08/04/2015 Yes
  • Credit card
  • Transaction issue
  • VA
  • 22405
Web
08/02/2015 No
  • Credit card
  • Billing statement
  • GA
  • 30263
Web
08/01/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • IA
  • 52722
Web
07/31/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48224
Web
07/14/2015 Yes
  • Credit card
  • Other
  • PA
  • 19464
Web
07/06/2015 Yes
  • Credit card
  • Other
  • MD
  • 21222
Phone Older American, Servicemember
07/02/2015 Yes
  • Credit card
  • Delinquent account
  • CA
  • 90024
Web
07/01/2015 Yes
  • Credit card
  • Billing disputes
  • PA
  • 19001
Web
06/19/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • NC
  • 27612
Web
06/16/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 90265
Fax
06/16/2015 Yes
  • Credit card
  • Late fee
  • MD
  • 20744
Web
06/10/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • FL
  • 33130
Phone Older American
05/16/2015 Yes
  • Credit card
  • Billing disputes
  • PA
  • 17603
Web
05/12/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MO
  • 64138
Web
05/07/2015 Yes
  • Credit card
  • Other fee
  • TX
  • 79410
Phone
04/17/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • NJ
  • 07203
Phone
04/06/2015 Yes
  • Credit card
  • Other fee
  • PA
  • 19120
Referral
04/06/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • WA
  • 99354
Phone
04/01/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • IA
  • 50313
Web
03/29/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • IL
  • 60445
Web
03/26/2015 Yes
  • Credit card
  • Billing statement
  • WA
  • 98632
Web
03/23/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • HI
  • 96825
Web
03/20/2015 Yes
  • Credit card
  • Billing disputes
  • NM
  • 88011
Web
03/18/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • MI
  • 49408
Web
03/13/2015 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • FL
  • 32218
Web
03/11/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • KS
  • 67209
Web
03/08/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • MI
  • 48188
Web
03/03/2015 Yes
  • Credit card
  • Forbearance / Workout plans
  • AZ
  • 85013
Web
02/20/2015 Yes
  • Credit card
  • Other
  • PA
  • 15104
Referral
02/19/2015 Yes
  • Credit card
  • Other fee
  • KS
  • 66209
Web
02/18/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • ND
  • 58103
Web
02/12/2015 Yes
  • Credit card
  • Transaction issue
  • UT
  • 84115
Web
02/12/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • FL
  • 33029
Web
02/09/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • FL
  • 33417
Web
02/05/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • PA
  • 17764
Phone Older American, Servicemember
02/05/2015 Yes
  • Credit card
  • Other fee
  • TX
  • 77054
Phone
02/04/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 91730
Web
01/24/2015 Yes
  • Credit card
  • Billing disputes
  • AR
  • 71901
Web
01/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11205
Referral
01/22/2015 Yes
  • Credit card
  • Customer service / Customer relations
  • NM
  • 87102
Web
01/16/2015 Yes
  • Credit card
  • Other fee
  • NY
  • 10924
Web
01/08/2015 Yes
  • Credit card
  • Other
  • PA
  • 17055
Web
01/06/2015 Yes
  • Credit card
  • Other fee
  • PA
  • 17055
Web
01/01/2015 No
  • Credit card
  • Other
  • MO
  • 63021
Web
12/29/2014 Yes
  • Credit card
  • Late fee
  • GA
  • 30310
Web
12/12/2014 Yes
  • Credit card
  • APR or interest rate
  • ME
  • 04760
Web
12/10/2014 Yes
  • Credit card
  • Other fee
  • TX
  • 77380
Web
12/05/2014 No
  • Credit card
  • Other
  • NY
  • 10461
Referral
11/26/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60181
Web
11/24/2014 Yes
  • Credit card
  • Billing disputes
  • AL
  • 35007
Web
11/18/2014 No
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • PA
  • 17602
Web
11/18/2014 Yes
  • Credit card
  • Payoff process
  • FL
  • 32439
Web
11/11/2014 No
  • Credit card
  • Billing disputes
  • TN
  • 37923
Web Older American
10/29/2014 No
  • Credit card
  • Payoff process
  • CA
  • 90275
Web
10/28/2014 Yes
  • Credit card
  • Privacy
  • CA
  • 90046
Web
10/21/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85305
Postal mail
10/14/2014 Yes
  • Credit card
  • Customer service / Customer relations
  • CA
  • 94109
Web
10/11/2014 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • TX
  • 75224
Web
10/07/2014 Yes
  • Credit card
  • Transaction issue
  • WA
  • 98390
Web
09/25/2014 Yes
  • Credit card
  • Other
  • TX
  • 75023
Web
09/12/2014 Yes
  • Credit card
  • Delinquent account
  • NY
  • 14127
Web
09/11/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WA
  • 98661
Web
09/11/2014 Yes
  • Credit card
  • Other fee
  • OR
  • 97229
Web
09/05/2014 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 91606
Web
09/02/2014 Yes
  • Credit card
  • Other
  • TX
  • 75023
Web
09/01/2014 Yes
  • Credit card
  • Other
  • CA
  • 91306
Web
08/27/2014 Yes
  • Credit card
  • Billing disputes
  • PA
  • 17109
Web
08/25/2014 Yes
  • Credit card
  • Billing disputes
  • CT
  • 06320
Web
08/20/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 92832
Postal mail
08/19/2014 Yes
  • Credit card
  • Other
  • FL
  • 33313
Phone Older American
08/16/2014 Yes
  • Credit card
  • Delinquent account
  • FL
  • 33015
Web
08/11/2014 Yes
  • Credit card
  • Billing disputes
  • CA
  • 95020
Referral
08/09/2014 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 91942
Web
08/08/2014 Yes
  • Credit card
  • Other
  • CA
  • 93638
Phone
08/06/2014 No
  • Credit card
  • Other
  • TX
  • 76065
Web
08/05/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • WV
  • 26541
Web
07/24/2014 Yes
  • Credit card
  • Other
  • CA
  • 94116
Web
07/24/2014 Yes
  • Credit card
  • Other fee
  • VA
  • 23707
Web
07/12/2014 Yes
  • Credit card
  • Other
  • AR
  • 72764
Web
07/12/2014 No
  • Credit card
  • Billing disputes
  • FL
  • 32405
Web
06/19/2014 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • KS
  • 66215
Web Servicemember
06/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28570
Postal mail
06/12/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NJ
  • 08844
Web
06/10/2014 Yes
  • Credit card
  • Delinquent account
  • CT
  • 06320
Web
06/05/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • MD
  • 21401
Web
05/23/2014 Yes
  • Credit card
  • Cash advance fee
  • MA
  • 01267
Phone Older American
05/14/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NM
  • 87523
Web
05/12/2014 No
  • Credit card
  • Closing/Cancelling account
  • NY
  • 14172
Web
04/29/2014 Yes
  • Credit card
  • Other
  • VA
  • 24263
Web
04/21/2014 Yes
  • Credit card
  • Closing/Cancelling account
  • MI
  • 48375
Referral Servicemember
04/18/2014 Yes
  • Credit card
  • Other
  • CA
  • 92376
Web
04/11/2014 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • NC
  • 27627
Web
04/11/2014 Yes
  • Credit card
  • Customer service / Customer relations
  • OR
  • 97013
Web Older American
04/07/2014 Yes
  • Credit card
  • Billing disputes
  • MI
  • 48375
Web Servicemember
03/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30121
Web
03/13/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • AZ
  • 86004
Web
03/08/2014 Yes
  • Credit card
  • Billing disputes
  • CA
  • 92056
Web
03/06/2014 Yes
  • Credit card
  • Closing/Cancelling account
  • CA
  • 92109
Referral
03/04/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11784
Web
03/04/2014 Yes
  • Credit card
  • Arbitration
  • NY
  • 11373
Web
02/27/2014 Yes
  • Credit card
  • Late fee
  • TX
  • 75042
Referral
02/22/2014 Yes
  • Credit card
  • Billing statement
  • CO
  • 80219
Web
02/19/2014 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60613
Web
02/13/2014 Yes
  • Credit card
  • Other
  • PA
  • 18940
Web
02/12/2014 Yes
  • Credit card
  • Billing statement
  • TX
  • 78209
Phone
01/27/2014 Yes
  • Credit card
  • Billing disputes
  • CA
  • 94601
Web