Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
RE- Account # XXXX payment of XXXX ( XXXX XXXX XXXX XXXX seventy-six ) tendered. 

TO : CELTIC BANK/CONTFINCO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are connected to the number XXXX issued by the Social Security Administration as a Trust wherein I XXXX : XXXX XXXX XXXX XXXX that XXXX the beneficiary. CELTIC BANK/CONTFINCO requested my social Security Trust number to open CELTIC BANK account XXXX and therefore became the Trustee. 

With this letter, I have included the payment coupon slip that was included with the statement sent by CELTIC BANK/CONTFINCO as payment of what is owed to account XXXX. The payment coupon slip is payment according to UCC-3-104. Per UCC3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is a discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

I, the beneficiary, also request the CELTIC BANK/CONTFINCO XXXX XXXXrustee, keep this credit line open for me to use while continuing to accept my signed coupon as payment this time and going forward. This offer is considered accepted at the time of acceptance and is communicated by mail via the Mailbox Rule.

Tender of Terms In the event this tender is insufficient or has errors you agree to provide a complete detailed explanation of such deficiencies, along with the original documents intact and unaltered, otherwise we agree that you are possessing the lien security for settlement. Furthermore, if I do not receive the original security intact with your detailed explanation of the insufficiencies, we agree that you have monetized the instrument. Any other correspondence constitutes your agreement of the coupon as tendered. If you reject the payment slip without written explanation within 10 days of this receipt, or claim to have shred it, I still expect you to follow the law and discharge the debt by filling a 1099 C and provide me with a copy. This is a legal action that you must do to stay in honor. If my payment is not honored OR a 1099 C is not filed ( with a copy sent to me ) within 10 days of receipt of this mail, then I will report your dishonor to the Internal Revenue Service Via form 3949-A Finally, as the Trustee, which CELTIC BANK/CONTFINCO volunteered to be the Trustees, I request you send me a full accounting of all activity in the Trust XXXX XXXX XXXX from its inception so that I may have this for my records as the beneficiary of the said trust. 

Done in good faith and without prejudice. 

By : XXXX XXXX XXXX, XXXX Without Prejudice All Rights Reserved RE : Account XXXX payment tendered.

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