Consumer complaint received 2018-08-11
Company: Continental Finance Company, LLC
State: MD
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:
This is a complaint against Continental Finance regarding to XXXX Credit Card billing dispute XX/XX/2018 just receive the card XX/XX/2018 # XXXX ( Suppose to receive one card # XXXX XX/XX/XXXX, however told I had to pay {$50.00} deposit XX/XX/XXXX and the card will be mailed however received the XXXX  credit card # XXXX XX/XX/XXXX which was cancelled ) Three weeks for mailed XXXX  credit card # XXXX. 

First, I applied and received all my credit cards the month on XXXX and XXXX within 7 to 10 days period from other companies. However, the XXXX credit card by Continental Finance refuse to mail out a card when I applied in XX/XX/2018, conducting false and misleading advertisement ( card within 7 to 10 days ), coercion ( want me to give up ), and discrimination ( due to my race ). I believe they are maliciously abusing the rules and polices. I believe that the Manager of Operations name XXXX and the VP are false- they are supporting false identity individuals on the phone who sound tones familiar as the same person such as XXXX , customer service supervisor. Continental Finance coerce me to quit or give up I am not as they are violating my rights. 
XXXX, supervisor customer agent at Continental finance called me XX/XX/2018 and I returned his phone call XX/XX/2018. I told him that the XXXX credit card ending # XXXX was mail out XX/XX/XXXX ( stamp on the envelope ) from Virginia and I received it in my mail box XX/XX/2018. It was supposed to be mailed out XX/XX/2018 and then I was told to pay {$50.00} to fund a deposit get another mailed XX/XX/XXXX, that credit card was never mailed, either. I informed XXXX the stamped envelope proves that the XXXX credit card ending # XXXX was mailed out from Virginia XX/XX/XXXX and Continental Finance is trying to trick me that they mail out the XXXX  credit card ending # XXXX XX/XX/XXXX and/or XX/XX/XXXX. Both times the XXXX credit card was never mailed out on both of those dates. In addition, I was fabricated and misled by Continental customer service because I didnt receive the card I was instructed to fund a {$50.00} deposit on XX/XX/XXXX to receive a card in mail ( See Attached ), I never received the XXXX card. 
I believe that Continental finance is violating the Equal Opportunity Credit Act, State and Federal laws misleading and false advertisement. In addition, collecting my {$50.00} deposit to receive a card that they never mailed to me. Continental Finance refuses to send out the card on two times and mailed out a XXXX credit card XXXX on XX/XX/2018 by the stamped envelope. They are also retaliating against me because I filed a complaint which is within my civil rights. They are trying to coerce me, so I will withdraw my application which I refuse to do. However, they are conducting false advertising card mail out 7 to 10 days. They are also conducting false advertising that an applicant must pay {$50.00} before they receive a card, also. They are discriminating against me because I am XXXX. 
My attached evidence to this letter proves Continental finance is malicious intentional producing fraud and false advertisement. The envelope which you will see the date XX/XX/2018 which is stamped, where it came from Virginia zip code XXXX, the contents inside the envelope is the paper which card is attached to shows on the right-hand corner A {$500.00} Credit Limit Awaits, instructs to simply fund the {$50.00} Security deposit and enjoy your XXXX  card. You will see the instruction how to fund the {$50.00} security deposit 5 ways on the right-hand side of the letter. The 3rd evidence is XXXX card # XXXX. Continental finance customer service desires to blame the post man when they were dishonest that they didnt send the cards on XX/XX/XXXX or XX/XX/XXXX. What will be their excuse on XX/XX/XXXX when the XXXX credit card will not arrive within their advertised time period again? After I was forced to call card service by the Manager of Operations XXXX on XX/XX/XXXX that he wanted me to fabricate the card was stolen but I told them I never received the card. Then the old XXXX  card payment date # XXXX payment date was XX/XX/2018 and I was told when the new card arrives around XX/XX/2018 the new statement date payment will be changed and will not be XX/XX/2018. Therefore, I will be paying less time than another customer who has a month while I must pay a monthly payment less than 14 days which is bias and discriminatory. They want me to force to pay to destroy my credit out of retaliation less than 14 days a monthly payment. I havent received a monthly billing statement for card # XXXX however # XXXX which is XX/XX/2018 for {$35.00} however when I called they are trying to make me pay {$35.00} without using the XXXX credit card. 
XX/XX/2018, I was told by XXXX, Operations manager to contact card services to state my card was lost however I reported I never received my card to card services. I was told that my card supposed to come 7 to 10 days which should be XX/XX/XXXX to XX/XX/XXXX, but I believe due to their bias and retaliatory they will maintain the bill for XX/XX/2018 violating their own advertisement concerning billing and time period even though they collected my {$50.00} deposit on XX/XX/2018. I believe I am a victim of false or misleading advertising, monthly billing scam ( paying a monthly bill within 12 days after receiving a card # XXXX ) discrimination and retaliation, I am in the process in contacting a lawyer to discuss what legal actions, stealing my fund deposit/ no XXXX  credit card, fraudulent bill XX/XX/XXXX, reckless policies or what rights they violated against me. In addition, concern that they have in their possession my birth certificate, Drivers license, and social security card for future purposes for what? 

CC : XXXX CFPB and XXXX CFPB Congressman/FTC/DOJ/ FDIC/Congressional XXXX XXXX FDIC against XXXX XXXX  See Attached All Emails sent to Continental finance and XXXX XXXX- never respond back The Envelope the XXXX  card # XXXX and contents The Bill from # XXXX XX/XX/XXXX for {$35.00} they trying to charge me for a card I just receive # XXXX

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