Credit card or prepaid card -- Fees or interest -- Complaint #6029077
Complaint Overview
Complaint ID: 6029077
Company: Continental Finance Company, LLC
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Arizona
ZIP Code: XXXXX
Date Received: 2022-09-28T12:00:00-05:00
Date Sent to Company: 2022-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
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?
Frequently Asked Questions
What is Complaint #6029077 about?
Complaint #6029077 was filed against Continental Finance Company, LLC regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-09-28T12:00:00-05:00.
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 or prepaid 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.