ComplaintsforContinental Finance Company, LLC

Credit Cards and Plans

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Customer Complaint:

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Complaint Details

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Initial Complaint
06/10/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 6/10/2024 I received a physical credit card from Continental Finance. I have never applied to this company, nor have I applied for any credit cards in years. I have no way to contact this company to close this credit card, and now this is on my credit report as an inquiry.
Business response
06/12/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
05/31/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have tried several times close the account. I sent a letter the fall of 2023 & just received a new credit card, a statement with a zero balance but letting me know there will be annual fee due in June. I would like this account closed!
Business response
06/05/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
06/11/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 21785523
Initial Complaint
05/20/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was approved for credit pending payment of an $89 fee. I made the payment and was told by 3 separate reps including one supervisor that they at first could not see my payment but then located it and that I would need to wait a couple of days before I could use the card. I was alarmed because the card indicated that upon payment the card would be immediately activated. I decided to cancel with the supervisor on the phone and was advised I would receive a refund. Its now week 3. When I call the customer service number a pre recorded bot attempts to gain my medical insurance information. The entire company is suspicious and seems like a scam
Business response
05/23/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
06/03/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me.

Regards,

Complaint ID: 21736998
Initial Complaint
05/20/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable with this debt from CELTIC/CONT Account # 534636120733**** and I DO NOT HAVE A CONTRACT WITH CELTIC/CONT. They did not provide me with the original application like i requested. and I DO NOT HAVE A CONTRACT WITH CELTIC/CONT. They did not provide me with the original application like i requested.
Business response
05/21/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
04/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I used my Surge card appropriately and paid monthly as required. Surge closed my account without explanation and for no legitimate reason. Monthly written requests plus multiple email requests for explanation since closure have been ignored. My credit report has been negatively impacted by this illegitimate closure.
Business response
04/30/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
04/01/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 3/24 I received an email from Celtic Bank/Continental Finance Company that my application was approved for a Reflex Credit card. 1) I NEVER APPLIED FOR THIS CARD 2) I DO NOT UNDERSTAND HOW THIS HAPPENED. And now--I received a physical card in the mail. I have no intention of calling the numbers to link me to this card and I will shred it as soon as I have received acceptable evidence of what I need from whichever of the two (Celtic or Continental Finance). My actions to date: My initial attempt to resolve this issue was met with disappointment. I called Celtic Bank, the name emblazoned on all the correspondence, but the operator abruptly hung up on me as soon as I mentioned the possibility of fraud. This, coupled with the subsequent blocking of the number on my mobile, left me feeling even more unsettled about the situation. After persisting and realizing that the bank said Celtic Bank, but the service would be through Continental Finance Company, I managed to speak with someone at Continental and have the record "deleted." I was then told I had to speak with their fraud team to obtain a letter/email to indicate that, indeed, the account was created by fraud. However, when I spoke with their fraud department, they wanted my full social security number. I refused as I had already spent over 40 minutes back and forth trying to get more insight and to report fraud. More importantly, I did not trust giving my SSN over the phone because of an already suspicious situation. The reference number in the email should have been sufficient. The reference number from the suspect email is all I would give them for each call I had to go through—the number was clearly enough to get to the next. And the lady who deleted the account (who was the most helpful, by the way) agreed she wouldn't give any personal information either.
Business response
04/02/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
04/08/2024
Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. - I ask that the company provide further clarification on what they have as part of the intake to approve -- for example, the telephone numbers are incorrect and it's not clear when or how this application was made from the record shared --- only the date that it might have been pulled for review (4/1) - further, it is unclear from their letter when and what was exactly captured for my PII as it is redacted (which is appreciated and understandable), but at least the last four of my SSN and a part of my DOB that I may compare against. If the phone numbers are wrong, I believe other numbers might be despite the fact that the address is correct. Finally:-it is unclear what to reference if I have questions and if that number is direct to an operator that can help me. The last time I called, I was given a run-around and I will not provide my SSN over the phone.Otherwise, I understand they want 30 days from sending that note to conduct their investigation -- that doesn't satisfy my requirement of a letter to help me in my conversations with the credit bureaus --may I use the letter they sent? It's unclear.Ultimately, I think that reporting this to the authorities might be advisable based on my own research. Regards, Complaint ID: 21515197
Business response
04/16/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
03/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I found an email stating a new card was coming my way as the bank was bought out by Bank of Missouri and my credit card was no longer active as of February 26th. I reached out to Continental Finance to see where my card was. It was found that the address on file was incorrect. The person I spoke to took my new address and said the card was on the way. Two weeks passed and was advised by Supervisor ****** that the agent should not have taken my new address over the phone as the process is to email [email protected]. I emailed a copy of my electric bill as proof of new address. I was advised by Supervisor ****** that my card would be on the way within 72 hours. I expressed concern of late payments and she stated I could give payment information to her. I declined as I had no proof of who she is and if my card would be secure. I told her I have no account as of right now, no card, and didn't know who they were now and what their website was. Even if I had access to their website to pay, I don't have a credit card or account number to use to create an account to make a payment and she was unwilling/unable to give that to me. Supervisor ****** said she would note the account so I was not charged a late fee or recorded as "late" and to activate the card and make a payment once it is received. This evening I received a text message to call about my account. I called the number provided to find a Today card rep telling me my account is late and have late fees. I reiterated the call I had with Supervisor ****** a week prior. I asked for a supervisor in the United States because he apparently they could not see the "notes" ****** left. Supervisor ******* ******* got on the phone, and I explained again. She said they will not send a card because NOW the card is passed due. IT'S PAST DUE BECAUSE OF YOU AND THE TIME DEALING WITH THIS ISSUE I've been told numerous times my card is on the way and the card never arrived; it's been a month. PULL THE RECORDED PHONE CALLS
Business response
03/27/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
04/07/2024
*****I accept the resolution of removing the fees and derogatory action against my account / credit. *****However, the fees are still showing on my account which is is why I declined the resolution.Also, I would like it acknowledged that my account was not past due. I called on March 8th and was even told by the rep my account was not past due. I called that day because I could not access my account for several days as the mobile app was down and could not access online. When I called, the rep told me a new card was being sent to me and he took my new address to send it out.When the card didn't arrive, I called back and was told the card was not sent because the previous rep was not supposed to have taken my new address over the phone and needed to send "proof" via email.That rep also said a card was going to be sent once processed "within 72 hours". Again, the card did arrive and had to call back when I was told a card wasn't going to be sent because the account was now late.YOUR REPS caused my account to be late, not me. The process described above took a month which caused my account to be late. I didn't have a card or account information in order to make a payment.**I** reached out to you on multiple occasions to resolve the issue so you telling me you're going to remove late fees and restore my account "as a courtesy" is offensive.Lastly, I have screenshots of my account showing a minimum payment of $101.00, yet the statement shows a minimum payment of over $200.I made the minimum payment that showed on my dashboard.Please confirm the following:Late fees will be removed by the next statement.Payments are current - or not and what is owed.Acknowledge your reps caused my account to be late but continually providing me with wrong information. (Pull the recorded calls if you would like to confirm for yourself.)Regards, Regards, Complaint ID: 21485880
Business response
04/25/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
03/07/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
There was an unauthorized hard credit pull on my Experian credit report on 3/6/2024 and I DID NOT apply for anything with this company or any other creditors for a credit card or any type of loan. I tried multiple times to call this company and you CAN NOT get through to a live agent after holding for hours so not sure if anyone even works in a customer service center that assists customers or if this is some type of scam. I did this removed from my credit report ASAP and after speaking with Experian Continental Finance will need to request for it to be removed and make they are not opening accounts under my name for anyone else.
Business response
03/11/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
03/13/2024
Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. This is fraud - this is not my email or cell phone - this is my current address they used. I have frozen my credit and am still waiting for the inquiry to be removed. The company did respond via email right away once to resolve once I did a review but was unable to get someone via phone. Once this is removed from my credit report this will be resolved. Regards, Complaint ID: 21398203
Business response
03/27/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
02/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
CONTINENTAL FINANCE COMPANY, LLC , is furnishing information on my credit report, the report says that Resurgent Capital Services, is the original creditor on my report. This however is not true, CONTINENTAL FINANCE COMPANY clearly states in the document I attached that " the account was sold to Resurgent Capital Services (“RCS”) a third-party debt buyer." 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CONTINENTAL FINANCE COMPANY ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( EXPERIAN, EQUIFAX, TRANSUNION ) if the person knows or has reasonable cause to believe that the information is inaccurate. Also I am not liable for this debt with charter communications, I do not have a contract with RESURGENT CAPITAL FINANCE ("RCS"), they did not provide me with the original contract as I requested. I will also provide proof of the inaccurate information in a screen shot that I will also attach to this complaint.
Business response
02/29/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Customer response
03/05/2024
Better Business Bureau: this information is inaccurate and incomplete that you reported I have proof of the inaccuracy and you still deny I have proof you know of the inaccuracy. The next to step is to take it to court if this inaccuracy is still being reported you are furnishing inaccurate and incomplete information with your knowledge of the report being inaccurate. Delete the account for inaccurate and incomplete information. I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue. For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. Regards, Complaint ID: 21343904
Business response
03/14/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
Initial Complaint
02/18/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
To whom it may concern: this business is impossible to reach by phone. I attempted to speak with customer service in order to close my account and I was told that I was customer 87 in the queue. That is ridiculous. How is anyone supposed to service their account under those circumstances? I am filing a complaint because this business placed a hold on my account for 7 days when I made a payment. I then attempted to contact customer service to discuss it when I was told I was customer number 87 trying to get a hold of a person. I want my reflex Mastercard ending in 1928 closed effective immediately. DOB: *********** **** **** ** ** ****
Business response
02/20/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

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