Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This company is a fraud in itself. I've reported this account as identity theft several times ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; # XXXX XX/XX/XXXX appeared on my credit report XXXX month after I purchased a house. I called the company to report identity theft that I did not open this account. I requested person 's information and they gave me an address not mine, which is XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. They told me to call XXXX and I tried but they kept me on hold for over an hour. The company did nothing on their end because it was too new in their system to wait XXXX months. I called on XX/XX/XXXX at XXXX pm. reported identity theft again. I requested the person 's information, it reflected the same. The company asked me for my address and I gave them the old address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The company said that that person opened the account at XXXX XXXX XXXX XXXX XXXX XXXX # but did not give me the actual # ; they said that the amount was {$780.00} created on XX/XX/XXXX. The company said they had my correct email : XXXX but they had a different address. They asked me to file a report XXXX, which I did. They said they blocked the card on XX/XX/XXXX. The company also gave me this information. I do not know what to do with it as I had refinanced XXXX of my rental properties and purchased XXXX new property ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX was also reported. The company told me to call XXXX to file a police report. I could not file with CFPB the website was down during government shutdown. Apparently, the request I emailed to XXXX appears on my report that XXXX stated XXXX in XXXX when I called to companied instead of disputing it the company told me that it was best to close the account. I called the company again today to tell them that they are still reporting to my credit bureau, they put me on hold for over XXXX min. I called to dispute it again today XX/XX/XXXX and received another confirmation # XXXX & # XXXX. I checked my credit report it states that the CFPB check into my dispute and that denied me because the company stated that I called in and asked for them to close the account. This is not true. Shortly after I reported the card, during the month of XX/XX/XXXX, I received a mysterious text message about a man requesting a remodeling project. At first, it made sense because I do real estate remodeling but it turned out to be a fraud and they sent me a fake check. This person also lives in the same NY area. Sometime around XX/XX/XXXX, a XXXX XXXX XXXX XXXX envelope came from XXXX XXXX XXXX XXXX, XXXX NY XXXX. I still have the text messages, check and envelope. I caught on and did not deposit the check. Instead I took it to XXXX and they confirmed it was a false printed check with no funds. A week later, my best friend had a similar man request XXXX worth of equipment to be shipped to NY, they did not fall for it either. Please help me stop this person or persons and remove the fraudulent account appearing on my credit report from XXXX # XXXX. Should you need my assistance any further, please feel free to contact me at XXXX. Best Regards, 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