Credit card -- Other features, terms, or problems -- Complaint #13816688
Complaint Overview
Complaint ID: 13816688
Company: Continental Finance Company, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Add-on products and services
State: Utah
ZIP Code: 84078
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-07-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX XXXX, the servicer of my XXXX XXXX. My account has been charged {$12.00} per month for credit protection, a service I never knowingly agreed to. The card was opened in XX/XX/XXXX, and the charge appears monthly on my statements, including the most recent billing cycle ( XX/XX/XXXX ). Over the last XXXX months, this totals at least {$130.00} in fees, not including interest. I have tried repeatedly to cancel the service, but : There is no option to cancel credit protection via their website or mobile app. Ive called their customer service line multiple times, but XXXX put on hold for over XXXX minutes each time and can not get through to a representative. My statement shows XXXX being charged 35.90 % APR, and Ive incurred additional interest from this unauthorized service ( over {$120.00} YTD interest as of XX/XX/XXXX, per statement ). The inability to cancel has forced me to pay for a service I do not want and did not authorize, while also accumulating finance charges because I carry a balance. I am requesting that : XXXX. The credit protection be immediately canceled. XXXX. I be fully refunded for all credit protection charges since opening the card. XXXX. I be reimbursed for the interest that has accrued as a result of these charges. Sincerely, XXXX XXXX Account ending in : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Frequently Asked Questions
What is Complaint #13816688 about?
Complaint #13816688 was filed against Continental Finance Company, LLC regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
How did Continental Finance Company, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Continental Finance Company, LLC?
Yes, visit the Continental Finance Company, LLC company profile at readthecomplaint.com/company/continental-finance-company-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.