Continental Finance Company

Ms [redacted] ,Our records indicate that this matter was corrected when the Accounting Department posted the misapplied payment to your account and backdated the payment to the original receipt date to correct any Late Fee and Interest Charges It was furthter found that your account was provided three $Late Fee reversals when only one $Late Fee was assessed Your account has been debited for the $erroneous credits Your account is current with a $Payment due on August 20, [redacted]

Mr***,Our records indicate that you had a payment due of $with a payment due date of December 15, Since no payment was received prior to next billing cycle of December 18, 2014, you were considered to be past due You were assessed a $Late Fee, in accordance with the Terms & Conditions of this card, and your next payment due date was January 15, 2015, with a total required payment due of $95.00, derived from the past due $35.00, the current $and the $Late Fee On December 20, 2014, we received a $payment, as well as, a $payment on January 18, Since these two payments did not satisfy the total required payment due of $95.00, you were considered to be past due and assessed a $Late Fee, in accordance with the Terms & Conditions of this card Your next payment due date was February 15, 2015, with a total required payment due of $ On January 29, 2015, you were provided a courtesy refund of the $Late Fee However, reversal of this fee only will lower the account balance and does not change the total required payment due on the account This information was disclosed to you, as well as your spouse, during the January 29, phone conversation Since we only received a payment of $prior to your statement cycle of February 18, 2015, you were assessed a $Late Fee and your next payment due date is March 15, 2015, with a total required payment due of $105.00, derived from the current $35.00, the past due $and the $Late Fee To bring your account to a positive status and to avoid further assessement of Late Fees, please submit your total required payment due of $prior to the payment due date of March 15, 2015.We trust this response will be met with your satisfaction.Sincerely, [redacted] This is an attempt to collect a debt and any information obtained will be used for that purpose

Ms [redacted] ,Our records indicate that on May 5, your account was reviewed due to the posting of a credit in excess of your $credit limit It was found that May 1, your account received a credit from [redacted] in the amount of $ A review of your account reflected only one purchase at that merchant for $ Since it is against MasterCard regulations for a merchant to place a credit onto an account other than that used for the purchase, or an amount that is in excess of the original purchase, your account was revoked pending documentation from the merchant explaining the excessive credit On May 6, 2015, you contacted our Customer Service Department and was advised what documentation was required in order to reinstate your charging privileges and for the refund of the credit balance on your account On May 7, 2015, we received a letter from you explaining the credit; however, this did not satisfy the requirement of documentation from the merchant On June 5, 2015, a Customer Service Manager contacted the merchant for clarification of the credit After receiving the necessary verbal explanation, your charging privileges were reinstated and a request was sent to the Accounting Department for a refund to be sent to you for the credit balance On June 5, a refund check in the amount of $was sent to your address on file Your account is still open for use If you would like to close this account, please contact Customer Service at [redacted] We trust that our response to this matter will be met with your satisfaction.Sincerely, [redacted]

We are unclear as to what the consumer has a concern about Please request a more detailed concern so that we may properly research and respond

Per the attached April statement, Mr [redacted] received credits for the disputed transactions Therefore, this situation was resolved for the consumer in April

Accounts that are not activated and used for purchases are not reported to the credit reporting agencies However, the inquiry made at the time of your application will remain on your credit file

Your credit balance of $began after receipt of the payments of $and $on 12/27/ However, you then made the following purchases : 12/30/FEDEXOFFICE EATONTOWN NJ $48.15, 12/30/CORNER BAGELRY (BELMAR BELMAR NJ $4.74, 12/31/SQ *JSAS HEALTHCARE, I NEPTUNE NJ $ these purchases totaled $ Therefore, as indicated on the statement sent to you on 1/2/16, your balance was after the posting of the payments, and the posting of the additional charges You were advised during your call on 1/25/that if a refund of the $payment was provided then your balance would increase by $ You stated that you no longer wanted to have the payment refunded Therefore, no action is required

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below This is not an excuse, it is just an explanation It does not negate the fact that I am paying ridiculous interest and monthly fees in exchange for a crtedit line increase You can't use the terms of the agreement that you like, and not the others! I was told that if I paid your fees, and makde my payments, I would receive a credit line increase within a year, it has not been increasedThis is a violation of the agreement and I should be recompsensed for all my fees for the past months and be given the credit line increase Your response looks like a robot drafted it! Regards,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted] ***

Our records indicate that when you spoke with our representative on 2/4/14, you inquired about the amount past due on your accountYou were advised that you had a past due balance of $and you made this paymentHowever, at no time were you advised that this was the remaining balance on the accountSince you failed to make any further payments, the account was written off as a bad debt on 5/31/and was sold to UDH, an outside debt buyer, on July 1, Upon sale of the debt, CFC discontinued collection effortsTherefore, any concern you may have over the collection efforts or balance owed on this debt must be addresses with the current ownerPlease contact [redacted] Sincerely, [redacted] Vice PresidentCustomer Relations

Mr***,Your $payment that was received on 6/4/via US Postal Mail was posted to your account with no issues However, the $payment that you processed on 6/25/via the Internet payment option, as well as, the $payment from 6/10/and the $ payment from 7/10/15, both processed online, were returned due to "unable to locate account" This would occur when you have miskeyed your bank account number online when processing a payment and failing to correct that account number prior to making additional payments via this avenue Please review and update your bank account information online to avoid further returned payments.Sincereley, [redacted] Vice PresidentCustomer Relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards,

Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below**The amount in question was taken from my checking account on June 12th while funds were not made available to me over days later, resulting in missing out on a car rental I had reserved Upon calling Customer Service I was told that any payments made from a checking account will take days If my funds were immediately taken and posted why then wasn't MY money available to me This matter is very disturbing to me and I wish for a proper response

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI have filed a complaint with the Delaware Deptof Banking, and they are investigating this.I have to call in every month to get the fee adjusted from $to $10, in addition to ALL of the other problems that they have caused me, from revoking my card to sending back online payments as their system rarely worksIn fact, they never even responded to this complaint at allI was told that it had been closedThey should credit me for the entire balance on the card for my aggravation

Ms***,Per the Terms & Conditions of this account, which you read and agreed to at the time of application, the Late Fee was never $ The Late Fee is, and has been, $for the first instance, $for each subsequent instance Per your request, the account has been closed Closure of the account does not surpress fees and finance charges from billing to the account Your account balance, as of the date of this response, is $ We find that your account is currently past due Your total required payment due is $with a payment due date of April 9, Please remit this total required payment due to prevent any further assessment of Late Fees and the negative reporting of this account [redacted]

They don't bill you then charge huge feesOn top of the a year and 29% interest just to have the thingThey said my online payment had a problem, guess what late fee and returned check fee! This was NOT a checkI payed them for the month but they refused to reverse the feesThese people a CROOKSThey a purposely deceitful just to rack up feesI have cards and these are the only criminals I have to deal withI am considering legal actionI will be dammed if they rip me off like thisI'm going spread the word all over the net until they loose all their businessThey SHOULD be locked up!

Ms [redacted] , Your card was declined because you failed to activate the card per the instructions on the sticker that was on the front of your MasterCard Until the card is activated, it cannot be used for purchases Please contact the Activation department at 800-935- Additionally, we find that your first monthly billing statement reflected a credit limit of $500.00, the billing of your $Annual Fee and the available credit of $ Although this statement only reflected an account balance of $with a $payment due, we find that on September 29, you made a payment of $to the account We further show that on October 28, 2015, you successfully accessed your account using the online system If you experience any further issues with the website, please contact Customer Service at 866-449-4514, this phone number is also listed on the back of your card.Sincerely, [redacted] Vice President Customer Relations

[redacted] Our records indicate that you were notified in October of the conversion of Matrix Discover card to a Matrix MasterCard A MasterCard was mailed to on November 19, to the address on file When your November 26, monthly billing statement generated from your Discover card, you had a payment due of $with a payment due date of December 21, On November 27, your Matrix Discover card was closed and your Matrix MasterCard became valid Our records further show that on January 6, 2014, you contacted our Customer Service Department and stated that your address had changed An address change was completed on your account records and the account was processed through the Lost/Stolen Department to issue a new account number because your original card had been mailed to your former address since you had failed to notify CFC of an address change prior to the conversion of your account On this date, you were advised that your account was past due since no payment was received prior to your December 21, payment due date and that a card will not be mailed until the account has been brought to a current status You were advised that your total required payment due was $with a payment due date of January 20, This amount is derived from your previous payment due of $35.00, your current payment due of $and a $Late Fee You stated that you were unable to make payments online since you did not have your MasterCard account number to register Our representative acknowledged that you did not have your card since you had not provided CFC with a valid address prior to the conversion As a courtesy, a phone payment was taken with a fee waiver of the Western union processing fee You processed a payment of only $on this dateAn additional payment of $was made on January 21, 2014; however, since the total amount of your payment did not satisfy the total required payment due of $95.00, you were considered to be past due and assessed a $Late Fee Although your account was not considered to be current, your replacement MasterCard was mailed as a courtesy on this date When your January 26, monthly billing statement generated, you had a payment due date of February 20, 2014, with a total required payment due was $90.00, which is derived from the current payment due of $35.00, the Late Fee of $and the residual past due amount of $ As a courtesy, you were provided a refund of the $Late Fee on January 27, On January 27, 2014, you activated your MasterCard account and on February 16, 2014, we received a payment of $ Your account is now considered to be current and you may begin using your card for purchases In summary, we find that your account was handled in accordance with the Terms & Conditions of this account We further find that you have received a courtesy refund of a Late Fee Therefore, we find that this situation has been resolved and no further action is required [redacted]

Our records indicate that this issue was resolved on December 4, On this date, the total required payment due on your account was adjusted to $35.00, and you were provided a refund of the $Late Fee Therefore, we find no further action is required

responses with the CFPB are sent within days of the date of the submission of the concern