Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Subject : Ongoing Billing Access Denial and Unresolved Credit Reporting Formal Complaint To the Consumer Financial Protection Bureau : I am submitting this complaint against Today 's regarding a closed account ( Account # XXXX ) for which I have been repeatedly denied access to statements or a resolution. Despite multiple documented attempts over several months, I have been unable to obtain the necessary information to fulfill my financial obligations or maintain a good credit standing. 

Summary of the Issue : The account was closed on or around XX/XX/year>, when it was brought to Continental Finance. I did not sign the agreement with them. I chose to close my card. 

Since the account was closed, I have not received any billing statements and have no ability to access the account online or through alternative means. 

I have contacted the creditor on multiple occasions, both by phone and in writing, to request account details, statements, and instructions for making payments. No resolution has been provided. 

The creditor has either already reported or may imminently report a late payment to the credit bureaus, despite their failure to provide me with access or information to make a timely payment.

Violations of Federal Consumer Protection Laws : This situation involves several likely violations of federal consumer protection statutes, including : 1. Fair Credit Billing Act ( FCBA ) Failure to provide billing statements after account closure. 

Denial of access to essential account information. 

No response to my previously written billing inquiries. 

2. Fair Credit Reporting Act ( FCRA ) Reporting a late payment despite denying access to pay or obtain account details.

Potential failure to mark disputed items as " in dispute. '' Failure to investigate or respond to disputes.

3. Consumer Financial Protection Act ( CFPA )/ Dodd-Frank Act Engaging in unfair, deceptive, or abusive practices ( UDAAP ) by refusing communication, statements, or a payment method, then potentially penalizing me with derogatory credit marks. 

4. Truth in Lending Act ( TILA ) ( if applicable ) Lack of continued disclosure of billing and balance information after account closure, while maintaining a balance due.

Resolution Sought : Immediate delivery of all current and past account statements. 

Written instructions for resolving any outstanding balance. 

Reversal or prevention of any negative credit reporting caused by their lack of access or communication. 

A formal acknowledgment and resolution of the issue within a reasonable timeframe. 

I have kept records of all communication attempts and am prepared to escalate this matter further, including legal action under applicable statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Phone Number ] [ Email Address ]

Company response to consumer: Closed with explanation