Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS # XXXX Acct # last 4 digits XXXX RE : 30 Day Late Reporting Continental/Celtic XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, My name is XXXX XXXX. I have a XXXX credit card from your company. I am contacting you via this letter per the request of your back office regarding a negative credit reporting mark that was reported by your company. I was never late on my account, so I am requesting that you remove the negative reporting. 

The negative reporting is showing on the XXXX major credit reporting agencies as being XXXX days late for the month of XX/XX/XXXX. The issue has to do with me accidentally forgetting to remove my old/previous XXXX XXXX  checking account number ending in XXXX, from my cell phone where I store all of my bank account numbers, passwords, user IDss. The account ending in XXXX was shut down due to inactivity. When I found out, which was very soon after the account was shut down, I immediately opened a new XXXX account. The bank issued me a new account number ending in XXXX. 

My Celtic Continental Finance credit card payment is due on the XXXX of every month, so I attempted to make my payment on my XXXX XXXX  account, which I have never used in the past to pay my Continental Finance credit card payment. Yet. I used your software app to make my XXXX 's monthly payment by check in order to avoid the paying the companys expensive pay by phone fee. Again, by accident, I inserted my old account number that I had stored in my cell phone. As a result, the payment did not go through, and was reported to the Continental Credit Card company as a non existing account. I was shocked because I knew for a fact that the money was in my account, which was my new account # ending in XXXX with the {$45.00} authorized credit card payment available for Continental Finance to take. Yet, the payment was mysteriously rejected. 

Thus, I decided to drive my car to my bank to find out why they refused to pay my credit card bill. This is when I found out that the money was sitting in my new account # XXXX which is my current account. I said oh my G ..!! Then, I immediately drove to the bank. I figured out what happened by conversing with a XXXX XXXX  representative. I then called Continental Finance and let my bank rep speak to the Cont fin rep to verify that I have a new account, and that it was an honest error/oversight, and that the money was definitely in my account when I authorized the transaction. 

After both reps conversed, I was told by a Continental rep that I would need to provide evidence of both accounts with proof that the money was in my current account when the bill was due. Then, fax it to your office so that the late fee would be reversed. Also, so that you could remove the XXXX remark from my credit report. Well, I was assured that I had nothing to worry about on several recorded telephone calls. I was told that I would be able to see the update on my credit reports by XX/XX/XXXX. Yet, to this day, my credit report has not been corrected after I was told it would be on several occasions. This is why I decided to request a letter to be sent from your company that would state that you agreed to remove the XXXX late reporting. Too much drama. Anyhow, I am sending this letter to you along with the other letters that were sent to you to request that you remove my late payment notation based on this letter as well as the supported evidence. I reauthorized the payment for the new account on XX/XX/XXXX on account # ending in XXXX in the amount of {$45.00}. 

If you have any further questions, please feel free to contact me at ( XXXX ) XXXX or XXXX Thank you, XXXX 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