Consumer complaint received 2021-04-09
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I entered into an agreement, with Continental Finance, to obtain a XXXX Credit Card with a {$1000.00} line of credit. I very quickly began to have trouble with their website. I used my XXXX XXXX XXXX XXXX Account to make payments on my credit card balance. I provided my account information : Account number, routeing number and debit card number. There were three central problems with their website. 1. Scheduled payments disappear the day before they are suppose to be posted which cased me to make a double payment of {$330.00} in the first couple of months. This was a recurring issue. I had to arrange a three way call from my credit union, with representative present to resolve this initial issue. One of many. 2. Though there is a category for monthly statements on the web page, there is no information available in it. I called attention to this issue in phone conversation with credit card representative. She agreed to send me the previous four months statements in effort to resolve some of these issues. This was XX/XX/XXXX. That never happened. In XXXX of I lost my Credit Union debit card and got a new card. I didn't realize that it would impact my pending payment that month, but it did and they locked me out of my account for two weeks. No access. Very strange. Big red flag. With my other credit card accounts, like XXXX and XXXX XXXX, the account # and routing # is all that is necessary to withdraw funds. I've never made a late payment elsewhere. This seems to be a recurring problem with this company. All things considered this appears intentional, One of several obstacles to good business practices. In XXXX of XXXX, I had my Debit card stolen and was issued a different one. I had arranged two separate {$150.00} payments, for a total of {$300.00}. My balance at that time was {$640.00}. These payments would have brought my balance down to {$340.00}. Given my change of card # these payments were not posted. In each of these occasion there was sufficient funds available in my account. I, again, went down to resolve this issue. Another three way call, from the office of my Credit Union representative, with a snotty representative of Continental Finance/XXXX, who begrudgingly, identified himself as XXXX. XXXX, told me, the activity I was engaged in, regarding my account, appeared to him to be " Fraudulent ''. A remarkable offensive statement. This took place on XX/XX/XXXX. 3 days before my next payment was due. I was informed by XXXX. I would remain locked out of my account until and unless I made full payment of {$640.00}. I told him that would not be possible.I never again had access to my account nor information that would have assisted in the resolution of this matter. Again, very intentional, all this while adding charges to my account. Then on XX/XX/XXXX, I received a normal paper statement ( enclosed ) that now stated my current balance at {$730.00}, with a minimum payment of {$35.00} due by XX/XX/XXXX. On XX/XX/XXXX I had a cashiers check for {$250.00} drafted at XXXX XXXX XXXX XXXX and sent it to the ascribed address Priority mail U.S. Postal Service on XX/XX/XXXX. I repeated this process again on XX/XX/XXXX ( {$250.00} ). On XX/XX/XXXX, I sent, what should have been the final balance ( {$230.00} ) in the same manor. Each of these checks were cashed within days of receipt, by Continental Finance Co., LLC. I have never received any confirmation of this fact or any other form of correspondence from this company since the issuance of Credit Card Statement dated XX/XX/XXXX. All pertinent documents are included in this correspondence.

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