Consumer complaint received 2021-06-25
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 ] I got 2 credit cards from XXXX XXXX in XXXX. XXXX [ XXXX ] in XX/XX/XXXX and XXXX [ XXXX XXXX ] in XX/XX/XXXX. They both had {$500.00} credit limits minus the subscription deposit fees required for each card. 

2 ] In XXXX of XXXX both cards were fraudulently charged, XXXX over {$600.00}, XXXX over {$700.00}, even though they had less than {$300.00} of available credit. 

3 ] I called and told Continental Finance that both cards had unauthorized charges. Each time I would call and speak with a rep, they would say something different. One rep would say they would remove it, but then a different rep would say they couldnt do anything. 

4 ] XXXX XXXX sent various letters for both the XXXX and the XXXX cards, going back and forth. One letter said they would credit {$500.00} on the XXXX account, another letter said they hadnt heard from me, one letter said that they were closing the claim, one letter claimed they did not know about the problem and that it was too late to fix it. One letter said that there was a fraudulent charge amount of {$610.00} in dispute on XXXX but that they couldnt fix it. [ XXXX XXXX XXXX letters ] 5 ] They continued to charge interest and other fees on these fraud charges and reported it to credit bureaus. 

6 ] I tried numerous times to report this to XXXX with no luck. 

7 ] By spring of XXXX, when I tried to log in to XXXX and XXXX and see my accounts, Continental Finance had made both accounts inaccessible online, so I couldnt see what they were doing to the accounts, other than what they reported to credit bureaus. Even after theyd made the accounts inaccessible online, I tried to send a few payments to get them to stop the negative reporting. 

8 ] Continental Finance closed the XXXX account and reported on credit as a charge off of {$1100.00}. They reported the account as {$0.00} balance. Then reported it as a charge off for 7 more months. [ XXXX XXXX XXXX Bank XX/XX/XXXX page 1-3 ] 9 ] For the XXXX account, Continental Finance, closed the account and reported it as a charge-off, written off {$1500.00}, but turned around and kept it as though theres a balance of {$1500.00} owed. They continued to report it as a charge off every month from XX/XX/XXXX through XX/XX/XXXX totaling 30 months of charge-offs that apparently arent charge-off because they are still maintaining there is a balance. [ XXXX XXXX XXXX XX/XX/XXXX pg 1-3 ] 10 ] Then they proceeded to continue to report the XXXX account as a charge-off every month for numerous years, sometimes also reporting the account as no payment, totaling over months of charge-offs 11 ] I would try to get XXXX to look at what Continental Finance was doing, but since I had tried in the past, they wouldnt accept any new dispute. 

12 ] Then in XXXX of XXXX, out the blue, Continental Finance started calling me, harassing me about the XXXX account. 

13 ] I tried again to file a dispute to XXXX, but since I had tried to report discrepancies in these cards before, which Continental Finance had responded to and debunked, XXXX wouldnt allow me to appeal any of the false information they reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation