Debt collection -- Written notification about debt -- Complaint #8779434
Complaint Overview
Complaint ID: 8779434
Company: Continental Finance Company, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Pennsylvania
ZIP Code: 19143
Date Received: 2024-04-15T12:00:00-05:00
Date Sent to Company: 2024-04-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Complaint against Celtic/CONFINCO Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Celtic/CONFINCO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Celtic/CONFINCO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Celtic/CONFINCO including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Celtic/CONFINCO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Celtic/CONFINCO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Celtic/CONFINCO is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Celtic/CONFINCO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Celtic/CONFINCO constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.
Frequently Asked Questions
What is Complaint #8779434 about?
Complaint #8779434 was filed against Continental Finance Company, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-04-15T12:00:00-05:00.
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 (Debt collection) 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.