Consumer complaint received 2023-03-31
Company: Continental Finance Company, LLC
State: FL
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:
The XXXX Credit Card was issued by the XXXX XXXX XXXX  and serviced by Continental Finance. 
To put things into context please allow me to explain who I am and how I became to be associated with this card. 
I am a XXXX man that was deceived into applying for this Credit Card unknowingly. The application was completed Online. I am not a computer guy, so the application was completed by a third party. To add further aggravation with the opening of this credit card, the XXXX credit card offers an optional Continental Credit Protection program, a form of insurance. I was enrolled also unknown to me. 
By the time, my daughter, XXXX XXXX, came to the picture, I owed 10 different credits cards, all with a balance between {$500.00} and {$2000.00}. She has been helping resolve this by speaking to the credit cards on my behalf and managing these accounts Online. Most have been paid off. 
- On XX/XX/2023, accounting ending XXXX was paid off by making a final payment of {$440.00} - On XX/XX/2023, I called to request account to be close permanently. Because there would be a pro-rated refund owed to me due to the credit protection program being cancelled the month prior, the account will show a credit refund. Continental Finance advised this will be refunded. 
- XX/XX/2023, I called again because refund had not been received. Credit refund of XXXX XXXX was confirmed Online on this date. Continental Finance assured that they had placed request to send refund check to my address on file. On this date they advised it should take approximately 30 days. 
- XX/XX/2023, my daughter XXXX called to question, why the credit refund had been posted in the account as a purchase instead of a refund. Furthermore, she questioned why the charge showed {$67.00} instead of {$61.00}. The additional {$6.00} was now showing outstanding on the account. This new entry made by the credit card company ( wrong ) did not allowed the account : o To be closed o Issued a refund of {$61.00} o Current balance due shows as {$6.00}. IF this not paid, it will rolled into next month by XX/XX/XXXX, accrued interest and drag me into a revolving door where I can not get away from this company- XX/XX/2023, My daughter, XXXX, attempts to login Online into the account without success. The credit card company has blocked access, thus not allowing to see any changes on the account. 
Please note that I have gotten on the phone with my daughter, XXXX, multiple times. I have requested them to add her as an authorized person to speak on behalf. Furthermore, she has submitted a Power of Attorney to confirm my wishes to speak on behalf. None of this has been granted and they still refuse to her. I am a very old person with limited understanding of credit cards.

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