Continental Finance Company, LLC

I am writing to file a complaint about Continental Finance/ XXXX XXXX XXXX XXXX ( reported on my credit as XXXX ) because they are reporting wrong information about this account on my credit report. When I reviewed my reports from XXXX, XXXX and XXXX, I noticed several things that don't match : The High Credit is showing as {$0.00}, but this account had a balance of around {$700.00} before. That doesn't make any sense. The Date of Last Activity is different on each of the three credit bureaus. The same account should show the same date everywhere. I also believe this debt was sold to another collection company, but Continental Finance is still reporting it on my credit, which I understand is not allowed. I have tried to make sense of this on my own but the information they are reporting is not correct and I am being hurt by it. Thank you for your help.

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to address an issue concerning incorrect information reported on my credit report by CELTIC BANK/CONTFINCO. The account in question is listed with the last XXXX digits XXXX, showing a status of XXXX XXXX and a balance of {$0.00}. This erroneous information is being reported on my XXXX credit report. This account was settled in full, and there should be no negative remarks or charge-off status associated with it. I have previously filed disputes regarding this issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but unfortunately, the incorrect information persists. Each time, I have utilized the disputing tools provided by the credit bureaus, yet CELTIC BANK/CONTFINCO continues to verify this inaccurate status.…

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I am disputing improper fees and billing errors on my XXXX XXXX account issued by XXXX XXXX XXXX XXXX and serviced by Continental Finance. On or about XX/XX/XXXX, I received notice that a {$12.00} monthly maintenance fee would be added to my account effective XX/XX/XXXX. I exercised my right to reject this change by calling before the stated deadline. I understood that opting out would prevent further use of the account, which I accepted. Despite my valid opt-out, monthly maintenance fees continued to be charged. I previously disputed these charges. The company issued only a partial refund of {$12.00}. My XX/XX/XXXX statement shows total fees charged in XXXX of {$42.00}, confirming that multiple improper fees were assessed after my opt-out. In addition, a {$30.00} late fee was assessed on XX/XX/XXXX. This fee is invalid. I made a {$100.00} payment on XX/XX/XXXX, which was processed on XX/XX/XXXX. There was no missed or late payment.…

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I am submitting this follow-up because the response provided by Continental Finance Company does not match the current status of my account. In their official response to my complaint, the company stated the following : * My account is current * My payment plan has been satisfied * A late fee was reversed * My account has not been reported late However, after receiving this response, my account activity shows conflicting and inconsistent actions : * A late fee was re-applied after being reversed * My account remains restricted/on hold * I was informed by customer service that a recent payment declined, despite having proof of payment and a transaction record This directly contradicts the companys formal written response. Additionally, I was required to make an additional payment under the instruction that it would result in the hold being removed, which has not occurred.…

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On XXXX XXXX I called XXXX XXXX to dispute charges they were assessing and unauthorized charges they were making with third party credit agency on my card then charging me large interest charges on purchase for charges they made. It's like they're using my card all the funds and payments I made to their advantage and not allowing me to pay down principal or even use the card for purchases. I just keep paying and they're making sure all payment is used for their purchases and third party stuff. I pay in advance and my payments are {$45.00} but I pay more to help build my credit I pay {$90.00} {$130.00} {$200.00} and every payment was taken for their fees usage put me over the limit so now I paying interest fees for that and late fee when I pay in time. They're reporting illegal claims on my credit report my credit drop XXXX percent each month.

In XX/XX/XXXX, I contacted the company and was informed that I qualified for a re-age program intended to bring my delinquent credit card account back to current status. I accepted the program and was advised that I would need to make three payments within a 90-day period. Based on the instructions provided, I planned my payments accordingly and began making payments in XXXX and XX/XX/XXXX in good faith. However, I later discovered that my account had been closed on XX/XX/XXXX, before I was able to begin making payments under the program as instructed. Despite this, the company continued to accept my payments and reported my account as severely delinquent, including 90-day late payments.…

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CFPB Complaint Credit Card Billing and Servicing Issues I am filing this complaint regarding what I believe to be unfair, deceptive, and potentially abusive billing and servicing practices related to credit card accounts issued by Celtic Bank and serviced by Continental Finance Company, including the Surge XXXX and XXXX Card. Despite making payments as agreed, I have experienced ongoing issues that have made it difficult to reduce my balance and clearly understand my account. Interest charges continue to be applied even after payments are made, and there have been instances where payments were reported as unable to be processed despite sufficient funds being available. In addition, fees and interest are being assessed in a manner that is not clearly explained or transparent. These practices create a cycle in which balances are difficult to pay down despite consistent efforts to meet financial obligations.…

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I made a purchase in XX/XX/XXXX, I returned the item to the merchant in XX/XX/XXXX and they provided a refund to me via the credit card I made the purchase from. The merchant supplied me with proof of the refund that was sent to the credit card company. I have not ever received the credit to my credit card account. I reached out to the credit card company repeatedely since XX/XX/XXXX and they sid they do not see a refund. I sent the credit card company documentation from the merchant over a month ago showing that the merchant sent the refund. As of XXXX XXXX XXXX, the credit card company states they still have not received the refund, can not provide a telephone number for me to contact a department in which I can request additional assistance. They say that no such contact informaton exists for the " back offce ''. They do not have a telephone number. It has been 4 months and this is still not resoived.…

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Company : Surge Mastercard ( Continental Finance / Celtic Bank ) Product : Credit card Issue Type : Fees/ Billing dispute + customer service issues What happened? I am filing a complaint regarding unexpected annual and monthly maintenance fees charged to my Surge Mastercard ( ending in XXXX ), as well as repeated poor customer service and failure to properly assist me. I was charged an annual fee of approximately {$100.00} and monthly maintenance fees of {$12.00} that I was not clearly informed about and do not recall knowingly agreeing to with proper disclosure. I also did not receive clear or conspicuous advance notice that these fees would be applied. What is the problem? I attempted multiple times to resolve this issue : I called after hours last week and was told nothing could be done and my account could not be canceled. I made three calls in one day : First call : waited about XXXX minutes and the representative hung up on me. Second call : I requested a supervisor.…

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I am filing a formal complaint regarding improper billing practices, inaccurate account handling, and failure of customer service involving a FIT Mastercard account serviced by Continental Finance Company and issued by XXXX XXXX XXXX XXXX I was enrolled in a temporary payment assistance plan ( customer assistance payment plan ) requiring payments of {$45.00} per month by the XXXX of each month for a three-month period. I followed all terms of this agreement exactly. For the most recent payment cycle : - Payment was made on XX/XX/XXXX - Payment posted on XX/XX/XXXX - Both dates are prior to the XX/XX/XXXX deadline - I proactively called to ensure the payment was successfully processed Despite full compliance with the agreed terms : - I was improperly charged a late fee- I was removed from the payment assistance plan without justification - Representatives falsely claimed my payment was unsuccessful, despite verifiable proof from both my bank and account statements confirming timely…

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On XX/XX/XXXX I reached out to Continental finance and explained that I am being charged for credit protection that I never agreed to. The representative stated that the manager said I applied for it when I opened the account. I then left a message for the manager, and she called me back and stated that she had proof that I applied through their website for the credit protection. She stated that she was going to send me proof and never did. I know that I did not apply for any credit protection with them.

After the initial dispute, was told that I would get a new card and I would be able to set everything up to make my payments once the new card came in. I have NEVER received a new card and I contacted the point of contact via email about this. I checked my credit report today and it looks like they have either closed my account or something and it is reflecting several payments past due. Considering I have had health issues and have not been able to do my due diligence to contact the company or get this worked out, I can understand their reasoning BUT I wanted to make payments to the card and have access to the new card. I am using the last four of the original card number for this dispute. I have no idea what the new card number is.

I talked to their fraud department on XX/XX/year>. They told me they would investigate and it could take up to 2 months. I was totally fine with that as I am positive if they check where the charges came from it would not be my phone or my ip address or my physical address. I told them please investigate since I have none of these places Available to me. I am a senior citizen with a handicap at home. And I did not ever order or authorize any of these charges. Today I get a email letter which has only been 6 days since we spoke and it says they have finished their investigation and found no errors and I have to pay them. This is not true and its a crime!! They then told me I would need to contact the Gov Id theft and file a claim which I did and sent to them a copy today. But they are trying to charge me with these fraudulent charges.

I tried to log in to make my payment Friday XX/XX/year> and received an error that I couldnt log in and said to call the number on the card. I assumed the site was down so tried logging in today XX/XX/year> but got the same error. I called in and was told my account was frozen and had been since XXXX. They said I had a return payment which I was aware of and had called in when I found out my mistake in XXXX. I asked how I was supposed to make my payments now that I cant get in to my online account. I was told i needed to call in from now on. I asked how I can see my charges because the balance I was given was higher than I should be. I was told I couldnt. I asked for a supervisor and was told one would call me back when one was available. I dont feel like they should be able to block me from seeing my account and my charges.

On XX/XX/year> Continental finance company XXXX credit card called me at XXXX XXXX on a Monday evening questioning me about paying my credit card next month on the due date which is XX/XX/XXXX. Ive been paying my credit card minimum payment every month to catch up on my credit card. I dont know why theyre calling me as a consumer I have the right to choose if I wan na pay the full payment or make minimum payments I shouldnt be getting calls being harassed to pay my credit card when Im already paying at minimum every month. There shouldnt be no reason theyre harassing me and calling my phone every other week to pay down the credit card that clearly Im trying to pay down Theyve been harassing me to make credit card payments that is very unlawful and I would like to bring it to somebodys attention. Theyve also been charging me interest charges on purchases whatever thats for and every month the amount goes up.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Dispute Inaccurate Reporting of Sold Account XXXX Date : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit file. The account in question is a Surge XXXX account previously serviced by Continental Finance Company. I have received written confirmation that this account was charged off and sold to XXXX XXXX XXXX XXXX this transfer of ownership, XXXX XXXX continues to report this account on my credit report with an ongoing charge-off status and monthly payment history updates. This reporting is inaccurate and misleading, as XXXX XXXX no longer owns or maintains this account as an asset. By continuing to report monthly activity, the tradeline creates the false impression that the account remains active under XXXX XXXX, which is not the case.…

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On XX/XX/2026 I filed a fraud claim for XXXX different charges. These charges were all made with in a day of each other, and over XXXX from where I live and work. The total for all XXXX is {$230.00} I never have or ever was in XXXX XXXX on any of those days. I noticed was missing the XXXX card and a XXXX XXXX card. Both of them were used, but in different areas. XXXX XXXX did their investigation and found it was fraud, and closed the case, but for some reason Continental finance did not. Continental finance investigated the charges and said Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. Id like to know why my other credit card company was able to determine it was fraud but not Continental finance. I would like the compensation of XXXX credited back to my account as the resolution. This is the case number from Continental finance XXXX.…

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The following accounts remain inaccurately reported : XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account No XXXX XXXX XXXX XXXX XXXX XXXX Despite prior disputes, these accounts continue to report ongoing monthly charge-offs and/or inaccurate balances. LEGAL BASIS : Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Maximum possible accuracy required 15 U.S.C. 1681i ( a ) : to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : to disclose method of verification XXXXXXXX XXXX XXXX XXXX XXXX, the court held that credit reporting agencies must go beyond superficial verification and conduct a reasonable investigation.…

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I currently use a debt consolidation service for settling my credit debt, and I have received XXXX emails from different addresses stating there have been payments made bringing my accounts current. XXXX on XX/XX/year> and XXXX on XX/XX/year>, both with the same information, these XXXX credit cards are included with my debt consolidation.

I have a credit card with continental Finance Company. XX/XX/year> I called them in order payoff my balance, I asked if it would be available tomorrow, because I need to make a rent deposit, they told me it would so long as the funds could be verified. This morning I checked the card info the payment I made the day before is posted but not available I checked my bank account and it is posted. Continental has the funds. Continental also acknowledged that in their system the payment has been verified. However they will not release the payment-funds. I receive misinformation and this is damaging. I now have to scramble to make payment. This is misrepresentation. The account with Continental is ending with XXXX. AP

On XX/XX/XXXX I put a deposit on a layaway piece of jewelry. I went back to the merchant three times within the first week to cancel it and they kept telling me I needed to come back another day and time to see someone else and that person was conveniently never there. I tried to cancel the layaway by complying with the merchants requests but they kept giving me the run around so I disputed it with my credit card company ( cerulean ). The merchant sent them a receipt and a policy which I also provided the same and said they provided me the jewelry which is a lie because it was a layaway that they do not allow jewelry to be taken until fully paid and I still owed another XXXX plus interest.…

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This account/debt is now reporting as closed, which is impossible since it was a charge-off that was purchased by a XXXX party collector who never had my permission/consent to purchase/possess my private information, and I definitely " DID NOT '' have any accounts, agreements, or signed contracts giving the XXXX party authorization to collect on the debt or report on the debt with illegally obtained personal information of mine and initiate contact with the credit bureaus and fraudulently edit/delete, alter/change, add/remove, account information which are " EGREGIOUS REPORTING VIOLATIONS and ILLEGAL!!!…

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continental finance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX Dispute Inaccurate Reporting of Sold Account XXXX Date : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit file. The account in question is a Surge Mastercard account previously serviced by Continental Finance Company. I have received written confirmation that this account was charged off and sold to XXXX XXXX XXXX XXXX this transfer of ownership, Continental Finance continues to report this account on my credit report with an ongoing charge-off status and monthly payment history updates. This reporting is inaccurate and misleading, as Continental Finance no longer owns or maintains this account as an asset. By continuing to report monthly activity, the tradeline creates the false impression that the account remains active under Continental Finance, which is not the case.…

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Account : Continental Finance Company Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> I am filing a complaint regarding inaccurate and potentially misleading credit reporting by Continental Finance Company on my credit report regarding account number XXXXXXXX XXXX XXXX XXXX XXXX, which shows a date opened of XX/XX/year>. The account is being reported as a revolving credit account with a {$0.00} balance ; however, the reporting does not clearly reflect the true and accurate status of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), companies that furnish information to credit reporting agencies are required to report information that is accurate, complete, and not misleading. The current reporting appears inconsistent and may not comply with Metro 2 reporting standards used by credit furnishers when reporting accounts to credit bureaus.…

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* * XXXX XXXX XXXX * * XXXX, NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/year> Subject : Request to Close Surge Platinum Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my Surge Platinum Mastercard account. After reviewing the interest rate, annual fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A large portion of the available credit was immediately consumed by fees, and the high interest rate combined with additional charges has made it extremely difficult to reduce the balance. As a consumer residing in North Carolina, I believe these lending practices may violate consumer protection standards related to unfair and deceptive trade practices. The financial impact of the account was not clearly represented in a way that allowed me to fully understand how quickly fees and interest would accumulate.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC Email : [ XXXX ] ( XXXX : XXXX ) Date : XX/XX/2026 Subject : Request to Close FIT Mastercard Account and Resolve Balance To Whom It May Concern, I am writing regarding my FIT Mastercard account. After reviewing the interest rate, program fees, and other charges associated with this account, I believe the structure of the account is deceptive and unfair to consumers. A significant portion of the available credit was immediately consumed by fees, and the high interest rate combined with ongoing charges has made it extremely difficult to make meaningful progress toward paying down the balance. As a consumer residing in North Carolina, I believe the lending practices associated with this account may violate consumer protection laws related to unfair and deceptive trade practices.…

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This is a credit card company fit master card through XXXX of XXXX the debt was paid through XXXX XXXX pay per delete but tbom/contain is still on my credit report and the debt has been taken care of Additional information provided by consumer : XXXX2026 additional information XXXX provided b consumer : NAME : Tbom/Contfin ADDRSS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX NUMBER : XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continental Finance Company XX/XX/year> Re : XXXX XXXX XXXX XXXX Dear Continental Finance Company, I am writing this in response to your recent correspondence related to account number XXXX XXXX, XXXX, XXXX. I lost my job and was out of work for an entire year. I have just recently started back working. I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt on time/never late ( once you receive the agreed-upon amount ). You agree to list this debt as a paid on time account. You agree to completely remove any and all negative references to this account from the credit reporting agencies ( XXXX XXXX and XXXX ) that you have reported to and validated this account. Account will not be closed.…

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My credit card had XXXX returned payments but I did not know because I had XXXX on my account and my banking account information changed. I did not realize and I did not receive any notification from XXXX XXXX as to the returned payments! I noticed the error and immediately made XXXX {$500.00} payments XXXX weeks ago I. Right after the payments posted they closed my account! This is the second time! The first card I had was XXXX by XXXX XXXX and after they told me they would work with me because I couldnt make the payments AND I HAVE CREDIT PROTECTION, I kept them informed the entire time ( I was in the hospital, being a single mom and having XXXX kids and an illness I was in a huge bind ) and once I was back to work I paid them {$1000.00} only for them to close my account the very next day!…

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My identity and credit was stolen i had a credit alert on my account there are several items on my credit that don't belong to me I asked for proof it was mine. There also are address that aren't mine I asked to have removed off my credit report and bills that I paid on already are still showing on my credit report.