Complaints

This profile includes complaints for Continental Credit's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Continental Credit

  1499 W 121st Ave STE 310 Westminster, CO 80234-3429

• 

  Continental Credit

  PO Box 33479 Thornton, CO 80233

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Monday August 22, 2022 I tried to stop my services with continental credits after a lot talking I was ok to continue with them BUT on January 25, 2024 I emailed them stated I no longer want to continue with them , the person I spoke to was ok with it. Recently after checking my banks statements I saw a charge from them, I called and they they told me I saw ok to continue, I said no show me where I said that, they said you told the person. I said I never did. I just want my refund from January to June.

  Business Response

  Date: 07/01/2024

  We immediately reached out and spoke with the client the same day she filed her complaint on 6/28. We appreciate the client's patience she gave us while we looked into the history of her account. On July 7th our supervisor reviewed with the client her account history, the call logs and emails which cleared up the confusion. She understands there will be no refund, however, we came to a resolution and she will be continuing in our program for the time being while working closely with her account supervisor. She has been given her account supervisor's direct contact information and an email confirming the resolution all parties agreed to on 7/1/2024.

• Initial Complaint

  Date:04/09/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company was suggested to me by an old realtor whom Im no longer working with. My credit was never bad but he suggested making sure I was on track to buy a new home. So, thinking I could trust this person to have my best interest in mind, I gave the company a try. I paid for this for approximately a year and a half not realizing I had still been paying. I thought I discussed previously over the phone not needing services but still had been charged consistently. I emailed last month and was ignored. I, then, called and asked to have my account cancelled. They wanted to know why and I explained there has been no benefit to me using this service. Its now a month past and I was just charged again. When I asked what had been done, they told me they would need to charge me more money to even tell me even though they stated I paid for the previous months work. Nothing is listed on the website to show any progress/effort/work done. I was also not updated like I was told they would do, monthly. Huge scam. I would love all of my money back but that will never happen with greedy/corrupt businesses allowed to keep doing this to people.

  Business Response

  Date: 04/22/2024

  After a few missed calls between us we were able to finally connect with the client on 4/17/2024. Our manager was able clear up the confusion better explaining our arrears billing policy and all of the services that are included. Even though the client was limited on time for all of the information we had for her, from our understanding she is happy with the resolution our relationship manager offered. The client and our manager have also set aside some more time in the near fuure for a further in-depth review of her account.

  Customer Answer

  Date: 04/22/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:04/04/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Me and my husband started working with them about a year ago they promised a constant update and information to let us know how our credit was doing . After months of not hearing anything we contacted them due to accounts being taken off our reports but then reappearing causing a drop in our score. They told us WE (the customer) have to contact THEM to let them know what's going on and get an update, they also requested an additional payment to check the status of our report. Which was never mentioned prior to our agreement. We have tried to understand how they are ACCURATELY disputing information if they don't know when things are being taken off and put back. They work based on previous report information unless we pay an additional amount. Which means we are paying them to let THEM know what's going on with our credit. In March my husband had to order a new debit card it took a couple weeks to get it. They sure did contact us immediately about that to let us know payment didn't go thru which meant disputes couldn't be sent out until payment was received. I have txt messages and voicemails of them requesting updated payment information which is the most we have EVER HEARD FROM THEM . Of course we paid since they work in arrears but we also asked to cancel our accounts with them altogether since we found a better ACCURATE alternative. Well they said they would cancel the account but we also had to pay another payment in *****??? They said by making the payment it automatically started on the next set of disputes since they work In arrears! we requested to cancel our services when we paid for the previous month. so now they won't refund us for march but also want to charge us for ***** but the supervisor said if we don't cancel they will WAIVE our ***** payment ?! Talk about greedy ! It's not right to charge people for something they don't want but then try to manipulate into staying by doing exactly what I'm requesting !!!

  Business Response

  Date: 04/08/2024

  We started reaching out to the client as soon as we were notified of their complaint and were able to connect with them today, 4/8/2024. We reviewed in detail the history and results of both accounts and cleared up the misunderstanding the clients had. They've decided to keep their accounts open for a few more months to try and clear up a few more credit related issues they identified on our call today. Our relationship manager will be keeping them updated while their accounts remain open and they are satisfied with the resolution.

  Customer Answer

  Date: 04/08/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:10/11/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up with Continental Credit in March of 2022 in an effort to help my grandmother resolve credit issues in hopes to get her ready to get a home loan. When I signed up, the communication was constant. Mostly in an effort (now it seems) to finish the deal and collect billing information. I was told then that the manager assigned to the account would be giving updates every month to my grandmother, letting her know what has been done, what she needed to do, etc etc. In the 19 months since we signed up for the service, not a single thing has been removed. I forgot we had even signed up to this sham of a business until the other day when she mentioned something about credit. Since we signed up, she got together with a mortgage advisor, that told her exactly what she needed to pay off and the steps needed to get approved for a home loan. This process take roughly 2 months. Compared to the 19 that Continental was "working on repairing her credit". I called today to cancel the service after realizing I was still being billed for it.At first I was told about all the great things that Continental had done to improve her credit. "We removed this, this and this! We have improved her credit!" After informing the "manager" assigned to our account that she had actually paid them off and they weren't responsible in the slightest, he started to become hostile. All I wanted was for the billing to be canceled outright, but then I was told I was still going to be billed on the 4th of next month for "this month's work". After pointing out to him how ridiculous this was, considering it is the 10th as I am righting this, he kept giving me an automated, scripted response, about how there work was already done for the month. If you are able to finish your work, for the entire billing cycle, in 4 business days, what are you actually doing for the consumer Continental?This is a complete sham of a business. Stay away at all costs.

  Business Response

  Date: 10/16/2023

  Upon receiving the complaint on 10/11/2023, we immediately looked through our system to locate the client. Unable to find a client with the name on the complaint, one of our managers reached out to the phone number provided and found out that the person who filed the complaint was not our client but was paying for the service for his grandmother.
  
  The grandson initially called our office on 10/10/2023 and said he forgot he was paying for his grandmother's service and wanted to cancel. Our team honored his request and closed the file as he requested. The billing for all our clients is done in arrears, after our work has been completed, which is why there was one final payment due. The grandson filed his complaint with the BBB after this conversation.
  
  When our manager reached out to the grandson to address the complaint on 10/11/2023, he said it was his fault that he forgot he was paying. He said he was now in a financial bind which is why he couldnt keep paying. The grandson then requested a year's refund because he wasn't happy with the results or communication his grandmother received. He said he wouldnt **** the complaint resolved unless we refunded his money.
  
  We reviewed the results and all the work the team did on his grandmother's behalf. We apologized that his grandmother didn't know she could call in at any time and speak with the team. Despite his grandmother not calling in, the team worked diligently every month she was enrolled.
  
  He said his grandmother was able to get her mortgage loan but claimed it wasn't because of our help.
  
  As a courtesy, we waived the final payment due for the last month of work we completed and he will see no further charges from our company.

• Initial Complaint

  Date:07/06/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Continental Credit is a fraudulent company. I say this because they have taken ~$90 each month out of my account since Sept 2022 promising to erase my debts. Today Jul 05 2023 is the fourth time I've cancelled their fake service. They have done nothing to fix my account. In fact I was paying another service as much, which was doing a great job, but Continental Credit told me that other service is making my credit worse. They told me to cancel the other company and soon my debts will be erased with Continental Credit's services. That was back in Feburary and still nothing has changed.Transunion, Experian and Equifax have sent letters to me regarding a third party claiming to have permission to work on my credit reports, but that the third party is doing suspicious illegal stuff with my accounts.I'm not going to listen to Continental's lies anymore. They insist on talking to me on the phone, which is how they manipulate me to continue paying them. The website portal doesn't show anything of importance nor do they have a cancellation section. On the telephone is the only method they use in order to keep saying they have been doing great progress with my debts, but they never show any proof and it doesn't reflect on my credit reports.To make them stop taking my money I had to cancel my bank account and open a new one. I clearly feel this company is another scam and should be investigated and they should refund every single ***** that I've paid them.THE *** AND BBB SHOULD INVESTIGATE CONTINENTAL CREDIT AND SHUT THEM DOWN. I've recently seen 100's of complaints online about this business that is SCAMMING AMERICANS OUT OF THEIR MONEY.

  Business Response

  Date: 07/17/2023

  We received an email from the client on 7/6/2023 requesting to cancel service. We emailed her immediately and let her know we would love to help with her request. We did not reach her when we called and she filed her complaint with the BBB on 7/6/2023.
  
  We received her complaint from the BBB the next day on 7/7/2023 and we tried calling her right away. We called the client twice and left her a message. We received an email back from the client that said Stop calling and stop emailing me. and a text that said Stop Calling.
  
  In an effort to resolve the matter, we sent a detailed email to her on 7/10/2023 addressing all the concerns outlined in her complaint. We did not get a response back from the client. 
  
  We have carefully tried to balance her request to not call or email, but also show her that it is very important to us that we address her concerns. We would love the opportunity to speak with the client and work through any of the issues she has. 
  
  The client's file is closed as she requested on 7/6/2023 and she will have no further billing with our company. 
  
  

  Customer Answer

  Date: 07/17/2023

   
  Complaint: 20284617
  
  I am rejecting this response because:

  This has been my fourth attempt to get them to 1) stop collecting payments out of my bank, 2) send full refund beginning Aug. 2022 and 3) and to cancel acct.

  I've communicated via email & telephonically. Unfortunately, their only focus is to manipulate you aggressively to keep paying them. They've also promised to send a progress report regarding removal of all 3 debts. In one years time nothing has changed. 
  
  (EXAMPLES BELOW)
  
  JUL 1st - JUL 14th:
  Just in two weeks I've recieved a total of: 10 calls, 5 emails and 6 text messages.
   
  MY SECOND EMAIL:
  Dated: 11/07/2022
  Subject: I've cancelled but you keep charging me. 
  Body: Please reimburse the withdrawals you keep taking from my bank. I cancelled your service in August and since moved. Please stop the service altogether. September, October, and November must be refunded or I'll have to seek action against your company...
  
  CANCEL & REFUND REQUEST:
  This company ignores all of my demands for a cancellation and to stop charging me. I'm seeking a full refund for each month since Aug. 2022 as of today that's 12 months. YES I HAVE CALLED SEVERAL TIMES & SPOKE TO A (*****************-******, *******************************, *************************...)
  
  THEIR FORM LETTER:
  "We received your request and want you to know your satisfaction is extremely important to us! We have a few different ways to shut down your account and we would like to review the options with you. Please give us a call as soon as possible so we can conduct your final evaluation and go over all of the final disclosures. Your file will still be open until we speak with you..."
  
  Sincerely,
  ***************************

  Business Response

  Date: 07/27/2023

  We were able to communicate with the client via email on July 18th and resolved the issue.

  Customer Answer

  Date: 08/03/2023

  Recieved an extreme amount of text messages, phone calls, and emails from the company. Finally I'm pleased to say my full refund arrived. Thank you

  Customer Answer

  Date: 08/03/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********. Recieved an extreme amount of text messages, phone calls, and emails from the company. Finally I'm pleased to say a full refund arrived. Therefore, the resolution is satisfactory to me.

  Sincerely,
  
  ***************************

• Initial Complaint

  Date:12/27/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I began working with this company in September 2020 with a realtor that I am no longer working with. Continental credit told me all I needed was 6 months of their services and that would that should clear up things on my credit report its been exactly 2 years and 3 months that I have been with this company every time I attempted to end Services I am redirected the monthly fees went from 79 to 59 I was told that I am making progress but when I explained letters from TransUnion stating that the third party meaning them was using illegal actions to handle my credit I was told to ignore the letters from TransUnion I just recently received another letter from TransUnion regarding this credit repair company. I called them November 20th to end Services I was told in order to end Services I would have to make another payment for December 5th in order for them to close my account when I questioned why I was put on hold for 45 minutes I hung up I called back and then I spoke with someone else who again I reminded them Iit been 2yrs and 3 months stop drafting my account. I've never heard of a credit repair company that's supposed to be helping you charge you one extra month to stop and close your account it doesn't matter what time of the month when you tell them to close your account. I've called at the beginning I've called it the middle and they always say oh we're just in the middle of sending out letters and you have got to pay for this well my initial payment was a large amount of money and then I've been paying monthly so if I'm telling you a month prior to stop Services then I should not have a bill I've already paid when I called in the month of November I had already made a payment November 5th and I called November 20th so all services should have ended and nothing should have taken place and December but in the month of December after no on December 5th I continue to receive phone calls every week well before 8:00am for money from this company. Stop harassing.

  Business Response

  Date: 12/28/2022

  *******,

   

  I want to apologize for your experience and honor your request made here. There are no future attempts to contact from the business. I would like to offer the opportunity to do a final review or send confirmation of request via email if you find that acceptable. Thank you.

  Customer Answer

  Date: 12/28/2022

   
  Complaint: 18645460
  
  I am rejecting this response because: in your email you state that you will be sending me a confirmation email indicating that my account is closed and everything is resolved I so far have not received an email from your establishment Continental Credit stating my account has been formally and officially closed I need that documentation to show that it is indeed closed.

  thank you
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 01/12/2023

  An email confirmation has been sent to the email provided by client. 

  Customer Answer

  Date: 01/20/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:12/19/2022

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  These people are rude and scam artist. They over talk you and scam to get you to continue to pay them with no results while they pad their pockets. The results come early , then they will drag with on and keep upselling you on results you will never see.I wouldnt recommend them to my enemies. ********************* left and the integrity and honestly left you him. Those little girls in there are remedial at best, 287 days wasted. My credit wasnt even that bad. Run from Continental

  Business Response

  Date: 12/19/2022

  ********,

  As an organization, we strive to meet every goal for our clients. It was an absolute pleasure to speak directly with ******** and address the concerns head on. After a wonderful conversation, I can say proudly that we have come to a resolution and addressed prior concerns. Thanks again, ********! It was great speaking with you.

  Customer Answer

  Date: 12/19/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I wish BBB would let you remove derogatory comments. Not even a hour later **** A called with the type of professionalism any consumer would appreciate. As far as results were concerned that was NEVER a problem with Continental. **** A was greatly appreciated 
  
  Sincerely,
  
  ****************

• Initial Complaint

  Date:09/23/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not recommend this place.i placed my account on hold and they agreed, they told me to call them when I wanted them to start back up. Went months without being charged. Then out of the blue they took money out of an account I didnt even give them. That made me cancel my account with them and they still took money out of my account the following I had to report them to consumer affairs and my bank to get refunded. This place is a scam.

  Customer Answer

  Date: 09/26/2022

  Thank you, the business reached out to my, a more senior member and resolved the issue. Please cancel