Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/2025 To : Surge XXXX XXXX Continental Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute of Unauthorized Charges and Violation of Zero Liability Protection Policy Account Number : XXXX XXXX XXXX XXXX Dear Surge XXXX / Continental Finance , I am writing to formally dispute several unauthorized transactions that appear on my Surge XXXX account. These charges were not made or authorized by me and therefore must be removed in accordance with the Fair Credit Billing Act ( FCBA ) and your own XXXX Zero Liability Protection policy.

Disputed Transactions Transaction Date Post Date Description Amount XX/XX/2025 XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  {$18.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  {$7.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  {$21.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$35.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  {$24.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX XXXX  {$17.00} XX/XX/2025 XX/XX/2025 XXXX XXXX XXXX XXXX {$10.00} Total Disputed Amount : {$370.00} Furthermore, as outlined on your official Surge XXXX website, you explicitly state under XXXX Zero Liability Protection that : You will not be held responsible for unauthorized charges on your Surge credit card. With zero fraud liability, you are only responsible for purchases that you make.

Your companys continued attempts to hold me liable for these fraudulent charges directly contradict this policy and violate the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized credit transactions.

Requested Action I demand that Continental Finance and Surge XXXX immediately : Remove all the above-listed unauthorized charges from my account balance.

Reverse any interest or late fees that have accrued as a result of these disputed charges.

Provide written confirmation that my liability for these transactions has been cleared.

Update my account with the correct balance and issue an updated statement.

Please consider this letter as a formal written notice of dispute under the FCBA. You are required by law to acknowledge my dispute within 30 days and resolve it within two billing cycles ( but not more than 90 days ).

Enclosed are copies of my account statements with the disputed transactions highlighted, as well as the section from your website referencing your Zero Liability Protection policy.

Thank you for your prompt attention to this matter. Please respond in writing to the address above. 

Sincerely, XXXX XXXX ( Account ending in XXXX ) Surge XXXX / Continental Finance

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