Complaints

This profile includes complaints for Continental Finance Company, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Continental Finance Company, LLC

  4550 Linden Hill Rd Ste 400 Wilmington, DE 19808-2952

  
• 

  Reflex

  PO Box 3220 Buffalo, NY 14240

• 

  Continental Finance/Cerulean Credit Card

  PO Box 3220 Buffalo, NY 14240

• 

  Surge

  P.O. Box 3220 Buffalo, NY 14240

• 

  Surge

  PO Box 3220 Buffalo, NY 14240

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm attempting to resolve an issue with fraud charges on a Cerulean Mastercard issued by Continental Finance. Fraud charges were made 10/7/2022-10/10/2022, for a total amount of 651.17. I was advised in December a police report would need to be filed to further the investigation. I've yet to receive any response from the case worker as it seems that the case was never investigated and the charges were wrongfully declared to be "valid". Case number was from Lisa of Fiserv Case Number - 1202228500640

  

  Business Response

  Date: 01/12/2023

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:12/27/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had the Verve Card and there are currently fraud charges on this account. I have been dealing with this since Sept and this company is less than zero help. They keep charging maintenance fees and other fees and I was told not to make any payments on this account. Now, I have been trying to get the Fraud dept and no one ever answers or calls me back, tried emailing and again nothing. I did speak with a supervisor who said she was going to be getting the late payments they stuck on my credit report off and now as of today they aren't going to take them off and still charging me fees until I pay the charges, that are not mine. They will not send me detailed information on who signed for this where was it, just info that is zero help in getting this rectified, they just want me to pay it. So now, not only did they put bogus stuff on my credit report, they will take it off and now still getting zero help. How do I fix this, I have no recourse because I didn't do any of this.

  

  Business Response

  Date: 01/06/2023

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

• Initial Complaint

  Date:12/24/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Issue started back on 11/28/22 when I received a surge credit card from continental finance that I did not request. So after hours of phone calls and a lot of back and forth the fraud dept. they finally (I think) closed that credit card account. Though they would not provide any confirmation numbers that it was complete which I thought was suspect. So, going on almost a month and no issues just the other day 12/23/22 I got another surge credit card from continental finance addressed to me that again I didn't request at all. So today 12/24/22 I called customer service then was transferred to fraud department and they were extremely difficult to work with and even though they stated the account was deactivated/closed I have zero faith they did their job. So the main issue is someone keeps requesting credit cards under my name from this company and its not me doing it. I have 100% this company is failing in cancelling these cards when talking to their fraud department.

  

  Business Response

  Date: 01/03/2023

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

  Customer Answer

  Date: 01/12/2023

  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: 18636679
  

   

   

   

• Initial Complaint

  Date:12/20/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been a near 10 year VALUED Customer of Continental Finance with absolutely NO... NEVER EVER late payment nor fee. I've spoken with 2 Customer service MANAGERS & Other ones promised to call me & NEVER DID. As of today, I'm being charged a Monthly service fee for A Credit card that I DON'T even have in my possession to use. Mind you, my balance is ZERO with a Current CREDIT because I've ALWAYS paid over my minimum payments. I requested that until my card NEW Card arrives that I could use , Continental Finance would WAIVE the Monthly fee I'm being charged. All they're telling me is they NORMALLY DON'T waive the monthly fee However, as a customer We NORMALLY would have access to a Card that's NOT EXPIRED.... as mine has been expired since Dec. 1st. Continental Finance only response is they're sorry. That's an EXTREMELY LAME, UNACCEPTABLE Excuse when Continental Finance CONTINUE to charge me a fee EVERY MONTH for a card that I DON'T Have in my possession & my Current balance is ZERO. Continental Finance Is the World's absolute WORST Company ever to do business with. It's a TOTAL Breach of Contract for them to CONTINUE to charging the Customers a Monthly fee when we're WAITING for our NEW Card.... They're saying that they have a problem with their vendors which is understood, However why is it NOT UNDERSTOOD that YOU SHOULD WAIVE the monthly service fee UNTIL the customer receives their Credit card for Use.... ESPECIALLY when I don't have a CURRENT BALANCE AT ALL. Lastly, CONTINENTAL FINANCE Credit card company is A TOTAL RIP OFF & I STRONGLY ADVISE EVERYONE & ANYONE to NOT do business with this FRAUDULENT, NON ETHICAL Company. You've been WARNED ??. CONTINENTAL FINANCE Credit card company is A SCAM, UNPROFESSIONAL & DEFINITELY Should be SHUT DOWN.

  

  Business Response

  Date: 12/29/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:12/06/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had two 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. 1st Account - $ 1221.20 May 30, 2021 2nd Account - $ 1789.43 June 30, 2021 I have not heard from this company for almost two years and they sold it to a collection company. No communication.

  

  Business Response

  Date: 12/16/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

• Initial Complaint

  Date:11/13/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a verve Mastercard with a $750 limit. Paid off balance each monthly. At some point after the card was paid off I went to use the card to find it was maxed out and actually over my limit of $750. I called verve and reported the issue. Unfortunately with verve you cannot speak to customer service about any of this because they allegedly do not have any information that they can pull up. You have to leave a message with loss prevention and hope that somebody Kennett will investigate it and get back with you if you miss a phone call from them trying to get back in touch with them is a nightmare. I have had this thing reported three times now they keep telling me everything is taken care of and then I turn around and get another bill. I don’t want their credit card but I want them to stop harassing me.

  

  Business Response

  Date: 11/22/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response was sent. 

• Initial Complaint

  Date:11/12/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 8th I went on vacation to San Juan PR and lost my Reflex Master card at the Charlotte airport. Someone found it and made 661.00 in unauthorized purchases. I reported the card lost and they canceled it and sent a new one. I had to wait for the fraud department to do an investigation. Few days later after calling customer care everyday and getting no answers, I finally got a credit for them. Today November 12th I received a letter from them saying that the charges are authorized and I have to pay for them. Before seeking legal action I wanted to submit this and seek a resolution without going to court. I have plenty of evidence that while the charges were being made in Charlotte NC I was in PR. I can not be at two places at the same time as far as I know.

  

  Business Response

  Date: 11/17/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:11/03/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In September/October 2022 my Chase card was compromised from charges in Russia and was marked fraudulent. They reissued another card. Again I was hacked on my Reflex MC on the web saying that I owed money for charges that I did not make and they were going to send another card in 7-10 biz days and I did a dispute with them and it was confirmed that this was not my activity. The promised replacement card never appeared but it was compromised before it arrived so it needed to be canceled and replaced again. The same arrangements were made for the second replacement card and it did not arrive by the 10th day so I called to find out what was going on. They said I was told that since they felt I had made too many disputes, they decided they would not offer me any replacement card that time but never told me that. They did not realize that I had become a victim of identity theft and did not question why I had repeated charges that were fraudulent and I had continued to file disputes because truly it was not my activity. Why would they not have asked questions if I HAD become a victim of identity theft? The company has promised the refund of the $30 charge but I have not received that. I want my refund that is due and credit report corrections that would have been shown in my name that might have reflected negatively from the identity theft and "too many disputes" to validate their claim that I was not eligible to be trusted with one of their cards after I had a lifetime history of excellent payments and financial responsibility.

  

  Business Response

  Date: 11/10/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

  Customer Answer

  Date: 11/16/2022

  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.
  
  
  
  
  Regards,

  Complaint ID: 18353076

    My want may credit card back. my information was compromise on the internet it has be reported to all credit agencies as well the the federal trade commision. my credit card was also $30 over that a agent stated that would be sent to me and as of yet it has been. again the fraud dept. stated that it was fraudulent transaction on my card that why I got thirty dollars over my on my credit card . I have paid my credit card on time and never been late in my payments.  

   

   

   

  

  Business Response

  Date: 11/18/2022

  We find that our response to this matter had previously met your satisfaction when speaking with our agent.  A card has been requested for you and is experiencing shipping delays, but you will receive the replacement card in the next 7-10 days.  

• Initial Complaint

  Date:10/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Celtic bank/ Contfinco and do not have a contract with Celtic Bank/ Contfinco . They do not provide me with the original application like i asked.

  

  Business Response

  Date: 11/03/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

  Customer Answer

  Date: 11/09/2022

  The information that the company send over is wrong. it does not belong to me. 

  Especially the Name: The-****** ******** that is not my name, i don't know that person.

  My Name is ** ********. 

  they also send over cell phone number, ********** . this does not belong to me, never have this number 

  They also send over home number **********. this  does not belongs to me, never have this number.

   i this to be deleted from my credit report. they reporting fraud on my credit report. 

   

   

   

   

  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.
  
  
  
  
  Regards,

  Complaint ID: 18319570

   

   

   

  

  Business Response

  Date: 11/28/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

• Initial Complaint

  Date:10/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted my credit card company today, Verve, issued by Bank of Missouri and serviced by Continental Finance Company, to check the status of my new credit card i requested because i lost my old one. I requested this card over two weeks ago. When i called today a woman named ****** from customer service dept. requested my personal info. Like my D.O.B. Last 4 of my social and address. After verifying all that info. She said i was not entitled to a new card because my account was sent to collections. I told her the agent i spoke to two weeks ago did not tell me that, he said i would be expecting a new card in the mail. Not only that but how was i sent to collections without notification? I believe i missed one payment or paid late one time but she is lying because the agent i spoke to weeks ago already said i would be getting my new card shortly. I feel ****** is trying to commit fraud and steal my info. for her financial benefit. Please look into this. I want my account with Verve closed effective immediately. I also want Continental Finance to review the call i had with this woman. And an apology issued thank you.

  

  Business Response

  Date: 11/01/2022

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

  Customer Answer

  Date: 11/08/2022

  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 reject this response from the credit card company because you stated i have a new account open in the ending digits 9770 but wont issue me the card because of non payment so why was a new card account open but you are saying it is closed.. That doesn't make sense. That is fraud and i feel your company is trying to mislead your customers into stealing their card info. Please explain why another account was open and close that card ending in 9770 please. Regards, Complaint ID: 18298989    

  

  Business Response

  Date: 11/18/2022

  Your replacement card is not closed; however, it is past due.  In order to have the replacement card mailed out, we require that you bring the account to a good standing. by paying the past due amount wed on the account.  Once the account has been brought current, your replacement card will be issued to you.