Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Demand for Immediate Correction and Notice of Intent to Arbitrate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Continental Finance Company SURGE XXXX XXXX XXXXXXXX XXXX NY XXXX Continental finance company Attn : Correspondence / Dispute Resolution Department re account ending in surge XXXX XXXX RE : Formal Notice of Violations of the EFTA, FCBA, and FCRA 623 Demand for Immediate Correction and Notice of Intent to Arbitrate To Whom It May Concern : I am providing this written notice to formally dispute certain charges and reporting actions associated with my account with Celtic bank XXXX the balance is erroneous by far this is not my balance {$920.00}. This letter also serves as notice of your violations of Federal laws governing electronic transfers, billing errors, and credit reporting.

1. Violations of the Electronic Fund Transfer Act ( EFTA ) You have failed to properly investigate and resolve unauthorized electronic transactions as required under the Electronic Fund Transfer Act. I did not authorize the disputed charges, and your handling of these transactions is in violation of your obligations under the EFTA.

2. Violations of the Fair Credit Billing Act ( FCBA ) 15 United States Code 1666-1666j ) Billing Error? Incorrect charges, unauthorized charges, charges for goods/services not received, calculation errors, or failure to post payments.

The FCBA explicitly provides that a consumer is not obligated to pay more than {$50.00} for unauthorized charges and requires creditors to investigate billing errors promptly and fairly. Your failure to correct the disputed charges and your continued attempts to collect on amounts I do not owe constitute violations of the FCBA.

3. Violations of the Fair Credit Reporting Act ( FCRA ) Section 623 15 United States Code 1681s-2 ( a ) ( 1 ) ( A ) 15 United States Code 1681s-2 ( B ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency Continental Finance company, as a furnisher of information, is required under FCRA 623 to report accurate information and to correct any errors promptly after receiving notice of dispute. You have continued to furnish inaccurate or incomplete information to consumer reporting agencies despite my disputes. 
You are hereby notified once again to correct all inaccurate information immediately and provide written confirmation once completed. 

Demand for Correction I demand the following actions after receiving this notice : Removal of all unauthorized charges. 

Correction of all inaccurate or incomplete information furnished to credit reporting agencies. 

Written confirmation of the results of your investigation and of all corrections made. 

Notice of Intent to Initiate Arbitration If these issues are not corrected, I will have no choice but to proceed with binding arbitration, as permitted under the terms of the cardholder agreement. 
This letter serves as formal notice of my intent to initiate arbitration should you fail to remedy these violations promptly. 

statuatory violations are violation ( XXXX ) {$1000.00} failure to adhere to federal law Electronic Funds Transfer Act ( EFTA ) violation ( 2 ) {$1000.00} Failure to adhere to Federal Law Fair credit billing act FCBA violation ( 3 ) {$1000.00} Failure to correct errors on the consumer report /furnishing false information to consumer reporting agencies. ( FCRA ) {$1000.00} per violation per every month Continental Finance Reported false information =4 months {$4000.00} {$1000.00} per violation per every month Continental Finance on billing errors ( FCBA ) =4 months {$4000.00} {$1000.00} per violation per every month Continental Finance on Electronic Funds Transfer Act. failure Total {$9000.00} Please govern yourselves accordingly. 

Sincerely, cecili

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