Consumer complaint received 2026-05-31 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: AR

Complaint narrative:
ON OR AROUND ABOUT XX/XX/XXXX I WAS APPROVED AND GIVEN A 2ND CELTIC BANK SURGE CREDIT CARD. THAT WAS OPEN AROUND XX/XX/XXXX. AND THAT WAS CLOSED AND CHARGE OFF AROUND XX/XX/XXXX. EVIDENCE SHOWS ON XXXX CREDIT BUREAU REPORT THAT ON TIME PAYMENS WERE MADE DURING THE 4 MONTHS THE CREDIT CARD WAS OPEN THAT XX/XX/XXXX, AND XX/XX/XXXX, AND XX/XX/XXXX PAYMENTS WERE MADE AS EVIDENCE SHOWING ON XXXX FEDERAL CREDIT BUREAU REPORT AND XX/XX/XXXX AFTER ONLY 4 MONTHS OPEN CELTIC BANK SURGE CREDIT CARD COMPANY CLOSED/CHARGE OFF THE ACCOUNT FOR NO REASON WITH A FALSE OWED BALANCE OF OWING {$66000.00} WHICH WAS FALSE. AND AROUND XX/XX/XXXX CELTIC BANK SURGE CREDIT CARD COMPANY SOLD OR TURNED THE ACCOUNT OVER TO A COLLECTION AGENCY NAMED XXXX XXXX XXXX FALSELY ACCUSING ME OF OWING {$660.00} WHEN THE CREDIT LIMIT ON CARD WAS ONLY {$500.00}. AGAIN AS EVIDENCE BY XXXX FEDERAL CREDIT BUREAU REPORT SHOWS THAT I MADE PAYMENTS FOR XX/XX/XXXX, AND XX/XX/XXXX, AND XX/XX/XXXX, OUT OF 4 MONTHS THE ACCOUNT WAS ONLY OPEN FOR 4 MONTH WHICH WAS XX/XX/XXXX THEY CLOSED THE CREDIT CARD ACCOUNT. EVEN THOUGH I WAS MAKING ON TIME PAYMENTS FOR XX/XX/XXXX, AND XX/XX/XXXX, AND XX/XX/XXXX AND XX/XX/XXXX ACCOUNT CHARGE OFF AND CLOSED. IN CONSPIRACY XXXX AND CELTIC BANK SURGE CREDIT CARD COMPANY HAS CONSPIRED BY PROVIDING FALSE AND WRONG INFORMATION ON MY FEDERAL XXXX CREDIT REPORT BY FALSLY REPORTE D ( 1 ) THAT I WAS 60 DAYS LATE PAYMENT WHEN I WAS NOT.AND IT DOES NOT SHOW TRUTHFUL NO 60 DAYS LATE ON PAYMENT HISTORY GRID. AND ( 2 ) IT SHOWS FALSE LIES INFORMATION THAT XX/XX/XXXX I WAS DELINQUEINT ON PAYMENT BUT ON THE PAYMENT HISTORY GRID AS EVIDENCE IT CLEARLY SHOWS A GREEN CHECK MARK FOR XX/XX/XXXX ON TIME PAYMENT. ( XXXX ) IT SHOWS FALSE INFORMATION THAT THE CREDIT CARD ACCOUNT STATUS IS CHARGE OFF, WHEN ITS NOT CHARGE OFF ANYMORE DUE TO AROUNG XX/XX/XXXX THE FULL FALSE UNPAID FALSE OWED BALANCE OF {$660.00} WAS FULLY PAID TO XXXX XXXX XXXX XXXX. SEE ATTACHED EVIDENCE PAID RECEIPT. BUT CELTIC BANK SURGE ORIGINAL CREDIT CARD COMPANY WILL NOT UPDATE THERE TRADELINE STATUS ACCOUNY SHOWING THE CLOSE AND NOW PAID IN FULL AND NEVER LATE ACCOUNT IS PAID IN FULL AND NOT CHARGED OFF ANYMORE BUT ACCOUNT STATUS SHOULD BE CLOSED AND NOW PAID IN FULL AND NEVER LATE ACCOUNT OR DELETE THE ACCOUNT ( 4 ) ON THE PAYMENT HISTORY GRID FOR THE MONTH OF XX/XX/XXXX IT DOES NOT EVEN SHOW THAT THE ACCOUNT IS CLOSE OR CHARGE OFF ( 5 ) ON THE PAYMENT DETAIL SECTION RIGHT UNDERNEATH THE PAYMENT HISTORY GRID SECTION STATES THAT THE LAST PAYMENT MADE WAS IN XX/XX/XXXX BUT ON THE PAYMENT HISTORY GRID FOR THE SECTION MONTH OF XX/XX/XXXX GRID SHOWS 60 DAYS DELINQUENT WHICH IS FALSE AND A MAJOR ERROR. I HAVE FILE MANY DISPUTES TO ALL 3 FEDERAL CREDIT BUREAU AND TO CELTIC BANK SURGE CREDIT CARD COMPANY AND THEY WILL NOT UPDATE THE TRUE TRADELINE SHOWING THE CLOSE AND NOW PAID IN FULL AND NEVER LATE IS PAID IN FULL NOW ON THE ORIGNAL CELTIC BANK CLOSE ACCOUNT. I HAVE ALSO HIRED AND SPENT MUCH MONEY TO XXXX XXXX XXXX TO HELP ME GET THIS CLOSED AND PAID AND NEVER LATE ACCOUNT RESOLVED SO PLEASE WILL SOMEONE ENFORCE AND COMMAND AND INVESTIGATE AND CORRECT THESE MAJOR VIOLATION OF MY FEDERAL CREDIT RIGHTS ON ALL THE FEDERAL CREDIT BUREAU REPORTS PLEASE SOMEONE HELP ME FIX MY MESSED UP FEDERAL CREDIT REPORTS.AND INCREASE MY FEDERAL CREDIT SCORE TO XXXX WHERE IT SUPPOST TO BE. ALSO AS OVERWHELMIING EVIDENCE AS A GOOD CUSTOMER PAYING ON TIME FOR MANY YEARS WITH THIS CREDITOR CELTIC BANK SURGE CREDIT CARD COMPANY... I AM ATTACHING EVIDENCE DOCUMENTS THAT ALSO PROVES THAT I WAS A ON TIME PAYING CONSUMER FOR CELTIC BANK BY HAVING A STILL OPEN 2ND CREDIT CARD ACCOUNT FOR THE PAST 6 YEARS AND 4 MONTHS ON TIME PAYMENT A STILL OPEN 2ND CELTIC BANK 2ND CREDIT CARD TO THIS DAY AT THE SAME TIME OF THIS CLOSED ONE WAS WRONGLLY CLOSED. WHICH PROVES EITHER CELTIC BANK IS LYING OR THE FEDERAL CREDIT BUREAU ARE LYING WITH FALSE INFORMATION IN VIOLATION OF MY FEDERAL CREDIT REPORTING RIGHTS. PLEASE HELP INVESTIGATE AND FIX CORRECT AT ONCE. PLEASE I HAVE SUFFERED SO LONG PLEASE HELP INCRESE MY CREDIT SCORES TO 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