Credit card -- Getting a credit card -- Complaint #7745369
Complaint Overview
Complaint ID: 7745369
Company: Continental Finance Company, LLC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: Arizona
ZIP Code: 85251
Date Received: 2023-10-23T12:00:00-05:00
Date Sent to Company: 2023-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a Cerulean Credit Card through continental finance. I was pre-approved for a {$1000.00} credit limit and I needed to provide the documents verifying my identity. I had provided all the documents that were requested from me. I then called to verify they received the information. The first agent I spoke with advised I needed to reapply. So I did, the application was denied due to a duplicate application in process. So I called back to continental finance to speak with an agent again. They had advised that the previous rep was incorrect and I did not have to re-apply because I still had the original application in process. I verified they received my information that was uploaded to their website. They advised I needed what for the back office to get me a decision. I waited a few weeks then decided to call back. They advised that the back office was still waiting for the decision. I waited an additional week then called back a XXXX time and was told the application had expired and I need to reapply. They advised that I did not send in all the requested information which was incorrect. I asked to speak with a manager. The manager verified I sent all the documents and they stated they will look into it and see if they can get a decision. I never received a call back from a single person and never received a decision on my original application. No letter or verbal communication. I have only been told to just reapply. I most recently called on XX/XX/23 and was told they are still waiting on a decision. This bank has clearly dropped the ball and has not given a decision within the 30 day requirement.
Frequently Asked Questions
What is Complaint #7745369 about?
Complaint #7745369 was filed against Continental Finance Company, LLC regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-10-23T12:00:00-05:00.
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.