Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
XXXX Pulled my credit report and noticed that an account with Celtic Bank/Contfinco was showing as closed and having a negative effect on my credit score. Upon further review, this account was charged off and I had a balance remaining. I called the number provided by XXXX for this creditor XXXX ( Address is only listed as : XXXX, DE XXXX ) and spoke to someone who stated my account was not with this department, it had been transferred to the Debt Settlement department ( XXXX ) and I needed to speak to someone there. I called there and spoke to someone who assured me that my account would be returned to the previous department since I was not working with a debt relief company and that is all they handle there. Asked that I wait 10 business days before calling back to resolve my issue. 
XXXX Called XXXX ( direct number to Continental Finance I was given by Debt Settlement department to call back ) spoke to someone who was unable to locate my account although I had been told it would be returned here. Was asked to give it time. 
XXXX Called XXXX and spoke to someone who again, told me they could not locate my account, transferred me to Debt SettlemenXXXX department again. Spoke to XXXX XXXX who stated she would have her manager, XXXX XXXX, email the correct department to inform them that the account had been returned on XX/XX/year>. Advised I call back after XX/XX/year> to allow time for request to be received. 
XXXX Called XXXX spoke to someone who stated they still did not have my account- transferred me to Debt Settlement department, spoke to rep who again, informed me they do not have my account but was able to transfer me to someone with Continental Finance to explain the situation and help. I spoke to rep with Continental Finance who took my offer to settle in the amount of {$420.00} and stated this would be escalated for review within 3-5 business days and that I should expect an email with the outcome to my personal email. 
XXXX Received an email from Continental Finance stating : Thank you for inquiring about a Settlement offer for the mutual client. Going forward, this account is being handled by our Debt Settlement Department and can be reached at ( XXXX ) XXXX to discuss Settlement options. I called this number and spoke to XXXX XXXX again who assured me that my account was not with them, that it had been returned on XX/XX/year> and there was nothing she could do to help me on her end. I called XXXX back and spoke to rep who stated that my account was not received back, but that the Debt Settlement department put in a request to return my account and it may take 24-48 hours to resolve. I asked to speak to a Supervisor at this point and was told that no Supervisors were available, that they were all in a meeting until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). When I asked to continue to hold they said it would not be possible because all Supervisors are either in the meeting, performing reviews, or on hold with other people at the moment and advised I call back tomorrow.

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