Continental Finance Company

I reject the response the business madeI have attached a copy of the account I am perusing resolution on which is [redacted] Which racked up about $dollars and 5+ late payment derogatory items when I had no billing address and was never receiving bills for this accountThis account is not charged off, as I am still making payments and made a payment on 7/I would like the late payment fees to be credited t my accountI am willing to satisfy all the debt in one lump sum if the late payments are credit back and the late payment on my credit report adjusted as I had no billing address and didn't know this was occurringI would also like repercussion to the person whom I spoke to who verbally harassed me as to why I didn't pay for six monthThat has been emotionally scarring for me as I didn't pay due to the circumstances of not having no statements and a financial hardshipIf I would have been able to receive the statements whether I was going through a financial hardship or not I would have still paid the debt

Upon receipt of the documentation mentioned in your rebuttal your account will be reviewed to determine if there is any change to our response

The attached was mailed in response to the concern by Mr***

All applications are valid for days Our declined applications are removed after days Your first application was processed on 4/10/14, with a result of an APPROVAL for a secured card with a $security deposit requirement When you applied again on 6/3/14, you were declined due to a previous application submission within days Furthermore, this decline notification would have included information regarding your previous approval for the secured card and gave instructions on funding the $security deposit for that application You then applied on 11/27/and again on 2/9/15, respectively, and were declined due to the previous approval for a secured card Again, these declination letters would have referenced the previous approved application and provided instructions on funding the $security deposit Since you did not submit the $security deposit until months from the origianl approval date, we were required by law to confirm that you still qualified for this account As previously stated, upon review of your credit file, we found that there was a significant change to your credit scores, resulting in the requirement of a fully secured card with a $security deposit requirement We regret that we are unable to honor any request for acceptance of the $security deposit since your credit history no longer warrants approval for that product

[redacted] Your account was closed, per your request, on July 22, On this date, a payment in full of $was processed to your accountYour account cycled on August 15, reflecting the payment and a zero balance owedThis is why you have received the notice that your statement was available for viewingYou have no further financial obligation on this account and we consider this matter to be closed [redacted]

January 7, [redacted] [redacted] Per you request, we have closed your Continental Finance Cerulean MasterCard account on January 7, Your balance at the time of closure was $You are still responsible for the remaining balance and any fees that may occur In accordance to the terms and conditions of your Cardmember agreement, closing an account does not suppress fees and finance charges from accruing on your account If you have any further questions regarding your account, please contact our Customer Service Department at 1-866-449- Best regards,

Mr***, We have requested copies of your monthly billing statements for the time periods in which you have stated you should have been protected under the SCRA As soon as the statements are received, we will make any necessary adjustments that the account may have been eligible for After completion of the review, and any eligible adjustments, a confirmation letter will be sent disclosing the outcome

Mr***,Our records indicate that on May 9, you applied for the Verve MasterCard via the Internet after receipt of a solicitation via the USPS(reservation # [redacted] ) You entered your personal information into the online application and, as indicated on the attached printout of this application, your personal information provided during the application process matches the contact information you have provided to the Revdex.com You were required to read and electronically accept the Terms & Conditions of this account, including the disclosure that your credit file would be reviewed for a credit decision You selected the prompt indicating that you accepted these terms and submitted your application for a credit decision Your application was reviewed and was approved for a secured account with the requirement of a $security deposit You received an email notification at the email address on the application of c [redacted] with instructions on how to fund this deposit To date, you have not funded this security deposit so no account was opened in your name adn the application decision is no longer valid.We find that there is no evidence to substantiate your allegation that you did not apply for our MasterCard and no error was made in the inquiry to your credit file with TransUnuion Therefore,we regret that we are unable to honor your request for removal of this inquiry.We trust that our response to this matter will be met with your satisfaction.Sincerely, [redacted]

Mr [redacted] , The "cut-off" of 5PM for processing a payment with same day posting is per the Federal Bank, not CFC as the cut-off for transmission of these files to the financial institutions is 5PM Furthermore, this information is clearly disclosed within the cardholder agreement that you received with your Surge MasterCard To address your concern over a Late Fee billed to your account, although your payment due date was February 9, 2016, we allow a grace period of business days prior to the assessment of any Late Fees As indicated on the attached February 12, monthly billing statement, your payment posted on February 10, and no you were not assessed a Late Fee Since no Late Fee was assessed, there is no action needed to provide a courtesy refundSincerely, [redacted] Vice President Customer Relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , I was instructed to provide additional information and details regarding my disputesMay someone provide me with assistance of attaching the additional documents and correspondence that demonstrate my disputes and the time frame of the disputes? Regards,

[redacted] After review of your account, we have completed an update to your payment history as a courtesy This update will be reported upon your next billing cycle date of March 6, We trust that our response to this matter will be met with your satisfaction [redacted]

We regret that we cannot honor this request Once the debt is sold, CFC cannot enter into payment arrangements or can recall the debt

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] ***

Ms [redacted] ,The following notation was posted to your account from the Dispute Department As indicated, the Enterprise rental car transaction was deemed valid as the merchant provided sufficient evidence to substantiate the charge to your accountTherefore, you are responsible for the entire account balance and no adjustment can be made.7/11/- ! REPRE ACCEPTED FOR $DUE TO MERCHANT RECEIVED VALID AUTHORIZATIONS OVER THE PERIOD OF TIME THAT CAR WAS RENTED FOR 04/3/THROUGH 04/12/SUPPLIED BY THE MERCHANT AUTHORIZATION INFORMATION WAS VERIFIED AGAINST CD-AUTHORIZATION LOG RECORDS AND INFORMATION WAS CONFIRMEDMERCHANT RECEIVED VALID AUTHORIZATIONS FOR DIFFERENT AMOUNTS $ON 04/3/ALSO PER MASTER CARD REGULATIONS RENTAL CARS ACCUMULATE AUTHORIZATIONS, THEN UPON CONCLUSION OF THE RENTAL THE FINAL BILLING OCCURS.THERE IS NO TIME LIMIT ON THE AUTHORIZATIONS ITSELF, EACH CAN BE USED ONCE, BUT THEY TOTAL OVER THE T&E TRANSACTION TIMEFRAMEALSO MERCHANT ALLOWED TO CHARGE 15% EXTRA PERCENT OF THE TOTAL AUTHORIZED AMOUNTMERCHANT DID NOT GO OVER THE TOTAL ALLOWABLE BY THE MC AMOUNTMERCHANT PROVIDED A SIGNED DRAFT THAT SHOWS CAR WAS RENTED ON4/3/AND RETURNED ON 04/12/WE HAVE NO FURTHER RECOURSE - MERCHANT DECLINED OUR DISPUTEMERCHANT CURED CHARGE BACK THAT WAS INITIALLY DONE AND THE REASON THAT WEDISPUTED THIS TRANSACTION FORCASE RESOLVED AND CLOSED.Sincerely, [redacted] Vice PresidentCustomer Relations

This case was resolved on 11/10/directly with the consumer The account had been closed per their request on 10/14/but had cycled on 11/2/with a late fee On 11/10/15, contact was made with the consumer and the account balance, comprised of all fees, was removed Since the account had never been activated and/or used for purchases, the account was never reported to their credit file Thank You,

Ms***, Due to external issue with the email server, any emails sent to [redacted] prior to September 15, were not received Please resubmit your documentation to this email account or via fax to [redacted]

[redacted] , Our records show that you have submitted this concern to several other agecnies and we have responded accordingly to those regulatory agencies Please refer to the responses with the CFPB and the Pennsylvania Attorney General's office as our response to those cases adn our response to this concern remain unchanged

We have received your letter, via the Revdex.com, in which you haveexpressed concern over the revocation of charging privileges on your Continental Finance Verve MasterCard after the return of a $paymentYou state that you made a payment of $and that these funds were confirmed to have clearedYet the account remained revokedYou have requested that the charging privileges be reinstatedWe welcome the opportunity to respond.Our records indicate that your Verve MasterCard was opened on August 18, On August 18, and your fist payment of $was posted to your account on September 14,You had used your account for purchases during the September billing cycle totaling $and your ending balance was $with a total required payment due of $by October 18, During the October billing cycle, you used the account for purchases totaling $On October 6, 2015, you made a payment of $via the internet payment optionThis payment was returned by your financial institution with a return reason of “no account/unable to locate account”Since no valid payment was received during this billing cycle, the account was past due and the next total required payment due was $by November 18, Additionally, due to the fact that this account had been open for less than days and had a large returned payment, the account was reviewed and the charging privileges were revoked on October 12, On October 20, you contacted the Customer Service Department and while the agent was explaining the reason for the revocation and the requirement for you to replace the returned payment in full using guaranteed funds, you disconnected the call.When you contacted the Customer Service Department on October 22, 2015, you statedthat the $payment had cleared your financial institution and that you had proof of this ape-men clearingOur representative offered to complete a conference call with your financial institution to confirm the payment had cleared so that we could resolve this issue, but you requested the fax number instead, stated you would send proof and then disconnected the call No documentation has been received to dateOn October 28, 2015, you contacted the Customer Service Department and processed a $ACH payment via the Western union Speedpay optionOn November 4, 2015, you requested that we complete a conference call with your financial institution to confirm the paymenthas cleared and to have the funds releasedA conference call was made and it was confirmed that the $payment had cleared; however, you were advised that the account would not be reinstated until the full amount of the retuned payment of $had been replacedYou expressed displeasure with this requirement and disconnected the call.After review of your account, we find no error in the revocation of the charging privileges and the refusal to reinstate the account until the full returned payment was replacedHowever, as a one-time courtesy, we have reinstated your charging privilegesPlease note that any further retuned payments will result in the revocation of charging privileges with the requirement that the returned payment be replaced using only guaranteed funds prior to reinstatementYour December 21, billing statement had a total required payment due of $by January 18, We have received a $payment on January 5, As a courtesy, we have considered this payment as satisfaction of your total required payment dueWe trust that our response to this matter will be met with your satisfaction

As stated by our representatives, the previous document you provided was not sufficient as it did not provide evidence that CFC received and cashed the check Please provide a copy of the front and back of the cashed check so that we may investigate this issue, determine if CFC cashed the check and post to your account if applicable Please send this to fax [redacted] or via postal mail to Continental Finance Company, PO Box 8099, Newark, DE 19714- Please include your name and account number on the document

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 complaintAs I spoke with this company yesterday asking when the $credit was applied to my account and spent hour and minutes on the phone for the representative to tell me she couldn't find the 35$ debit to me accountAlso I overpaid my bill by $35, I want my $back, not added to a credit line with a 29% interest rateThis is thieveryFor your reference, details of the offer I reviewed appear below