Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have had ongoing issues with my XXXX XXXXXXXX since I received the card in XX/XX/XXXX, the creditor company is called Continental Finance Company LLC. 

This is the executive emails Ive been corresponding with : XXXX XXXX At this point, issues have been going on over a year and I will now be taking this to the courts and proceed with a lawsuit if the issue isnt fixed. I am sure they will rule in my favor, as I have all the proof of the company admitting to their errors ONLY AFTER I get the XXXX  involved. They ignore me otherwise. 

The current issue as of XX/XX/XXXX : The credit card company is reporting false information to credit bureaus. They are reporting that I had a late {$15.00} payment. However, that is false. I have paid every single payment on time for over a year now. I owed {$15.00} on XXXX, I paid it on XX/XX/XXXX. I then owed {$15.00} on XXXX, I paid it on XXXX in the afternoon before their cut off time. Neither payment was late but they are reporting it as such to the bureaus. I need this removed ASAP. I have reported this on the XXXX, here, and on the credit bureau itself as a dispute. I have proof of all this and attached the screenshot. The screenshots include their email on XX/XX/XXXX confirming payment as well as their website portal showing I paid both on time. 

This is now the XXXX complaint that XXXX  has had to assist me in due to them falsifying information. Below is a history of the issues they have caused me as well as the case numbers on XXXX  where applicable. This is just proof of how much of a problematic company this is and how often they attempt to deceiving practices : XXXX. XXXX  XXXX : The company or their tracking system kept losing/misplacing my card when I first applied for it XXXX. XX/XX/XXXX : I submitted a payment. I called to confirm with an agent that it went through. The agent said it went through. Suddenly, a couple weeks later I noticed a derogatory mark on my credit bureau stating that I had late payments. Thus, I was lied to by the agent. This matter was NEVER rectified. 

XXXX. XX/XX/XXXX : I was not aware that with this card I could NOT purchase my hotel nights ahead of time for a resort that is in XXXX. In fact, this is not explicitly listed under terms of service yet they flagged my account for this. I called right away and spoke with an agent. I made sure to inform the agent I was going there for my birthday and the dates. 

XXXX. XX/XX/XXXX : Once I landed in XXXX, I tried to book at my hotel and they declined it again. I contacted the company and informed them that I was trying to book my hotel night there and they said I had to call in to let them know prior, implying that I never informed them I was going on a trip before. This was also a lie. 

XXXX. XX/XX/XXXX : I contacted the company to request my credit limit increase due to finally XXXX months of time payments after the mess they caused in my account. The credit limit was denied due canceled transaction. When I asked what this was, they said they denied it because I attempted to use my card in XXXX and they had to decline it. Thus, this was considered a flag on my account and not eligible for a credit increase. At this point I requested to speak with the executive/upper management since I should not be denied the increase since they were aware of my trip to XXXX BEFORE I went and it shouldnt have been a flag. Upon initiating a complaint on the XXXX, the executive team went ahead and reviewed the calls and indeed confirmed I had informed them I was going to XXXX and shouldnt have had a declined transaction flag on my account. I told them that I was going to withhold paying my balance unless they fixed it. On XX/XX/XXXX, they rectified the situation and gave me the credit limit increase ( from {$500.00} to {$800.00} ). At this time, I paid the {$130.00}. 

XXXX. XX/XX/XXXX : While reviewing my credit bureaus, I saw that this credit card is reporting that I STILL owed {$130.00}. They are indicating that I never paid it. Additionally, they indicated that my credit line was still at {$500.00}. This was AFTER their reporting date so it all shouldve been updated by them. Instead, they chose to leave the falsified information there until I reported it to XXXX  AGAIN. 

XXXX : XX/XX/XXXX : I indicated this issue and details above this grievance list ( regarding a false late {$15.00} payment ). 

To the company : I will not accept anything more than a resolution here and removal of the late report at hand IN ADDITION TO the false late payment in XXXX and your agent providing me false information. If not, I will proceed with a lawsuit and the evidence of all the issues. 

To CFPB : I would like to request CFPB put this flag on their page so that other customers are aware and cautious of EVER getting this card. 

Thanks, 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