Complaints

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

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• 

  Continental Finance Company, LLC

  4550 Linden Hill Rd Ste 400 Wilmington, DE 19808-2952

  
• 

  Surge

  PO Box 3220 Buffalo, NY 14240

• 

  Continental Finance/Cerulean Credit Card

  PO Box 3220 Buffalo, NY 14240

• 

  Surge

  P.O. Box 3220 Buffalo, NY 14240

• 

  Continental Finance/Cerulean Credit Card

  P.O. Box 3220 Buffalo, NY 14240

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:06/02/2025

  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.

  On may 2 called company to take 45 dollars payment out for my credit card.to schuelde it for may 24. They took payment to card .theybtried my saving account to take money out.gave girl my checking account number .on may 31 saw the transaction was declined and a 30 late fee applied. This is the third time. When you go to your account on web site it puts to savings account not checking.have told them many times about problem nobody cares.i told them to close card and Mail me my statement every month will pay by my check.want this matter address how other people are they screwed

  

  Business Response

  Date: 06/10/2025

  We appreciate the opportunity to investigate this cardholder's concerns. A written response has been sent. 

  Customer Answer

  Date: 06/17/2025

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 23401001
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:05/27/2025

  Type:Billing 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.

  Deceptive late fees charged
  
  My bill was due on May 24th at 5pm which was a Saturday, I actually paid on the 24th a little after 5pm since it was a Saturday.
  
  According to the consumer financial protection bureau, I have until the next business day before I can be charged a late fee.
  
  I called to inform them of my rights and of course they dont know the law.
  
  I would like the late fee removed from my account.

  

  Business Response

  Date: 06/03/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:05/21/2025

  Type:Billing 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.

  they charged be a fraud charge to
  disneyland and other places on march 25 2025 after going thru my expenses they affected my credit report and took my money

  

  Business Response

  Date: 05/30/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

  Customer Answer

  Date: 06/05/2025

  Better Business Bureau:

  
  
  
  

  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

  
  

  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  
  
  
  
  
  Regards,

  
  

  Complaint ID: 23362399

  
   
  

  
  
  

   

  
  

   

• Initial Complaint

  Date:05/19/2025

  Type:Product 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.

  Got their FIT MASTERCARD…had to pay 95.00 processing fee.. I did that on 05/19 only for them to NOT ACTIVATE the card I used my debit card to pay to delay any activation on it ..I called customer service who then told me up to 3 days to activate and that they would charge the card ANOTHER 99.00to activate it ….i told the. Then that I did not want the card and to REFUND ME my 95.00 back as it was already showing on my bank account….that I did not get what was advertised..and it was fraud..

  

  Business Response

  Date: 05/27/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

  Customer Answer

  Date: 06/02/2025

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 23349658
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:04/26/2025

  Type:Billing 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 received a card, was asked to pay a $95 activation fee to activate. I paid via debit card and a confirmation instantly that I can activate my card. When I tried to activate online and via phone it says invalid card. I try to contact an agent and it says to contact during normal business hours 7 days a week until midnight eastern time. It was 4+ hours before closing. I tried this multiple times. I feel like I have been scammed at this point.

  

  Business Response

  Date: 05/02/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:04/24/2025

  Type:Billing 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 applied for this credit building credit card called FIT by The Bank of Missouri, managed by Continental Finance. I was to pay $95 in order to activate the card. I did not activate the card right away. When I called on the 14th of April 2025, Continental Finance customer service representative informed me that my payment that I previously submitted was returned and that I needed to pay the $95 via Western Union sure to then not being able to override their system from my returned payment. I asked about how this payment had been made and they could tell me nothing, because I never made or even attempted to make a payment until that phone call. So after hanging up with them, I went to the nearest Walmart in West Des Moines Iowa and had a Western Union payment sent for $95 and the Western Union Fee, in total was $107. I called Continental Financing back with the Western Union tracking number so they could track it, since that was an electronic payment and would be received immediately. That phone call they said nothing had come through. 7 days later and calling every single day, no payment was received according to Continental Finance. I then called Western Union, they provided me with a sequence number which is the confirmation number confirming that the receiving party accepted the funds along with a date of April 14 2025 (same day sent) at 11:40 pm which was the exact time and date the funds were accepted by Controversial Finance according to Western Union. Today is April 24th 2025 and I have called them back every day now in which I have been told that they do not have the money and to call back tomorrow. I've asked to speak to a manager or the accounting dept, in which I have been told I was not able to speak to. I am not sure if this is a fraudulent credit card or just really poor customer service however I wouldn't recommend them to anyone. At of now I am out $107 and no credit builder as promised.

  

  Business Response

  Date: 05/01/2025

  ***** ****** BBB COMPLAINT RESPONSE

• Initial Complaint

  Date:04/15/2025

  Type:Billing 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.

  Well I pay them 100 dollars every payday. Around the 15th and the 1st. Come to find out they have been returning the money because they take so long to take the money out of my account. It seams as tho they do this on purpose to make it almost impossible to pay your bill, they have no problem adding on late fees after they refused your money. I've called and their customer service operators are rude and uncaring about the situation at hand. I'd like either all my late fees waved and interest waved of my account that they don't let me pay. Or the debt totally forgiven. I find it absurd that they go out of their way to make sure your payments are returned and a late fee applied. This card is tanking my credit and they will not let me pay it off.

  

  Business Response

  Date: 04/23/2025

  We appreciate the opportunity to investigate this customer's concerns, a written response has been sent.

• Initial Complaint

  Date:04/14/2025

  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 am writing to formally submit a complaint about Surge, a credit card company owned by Continental Finance Company, regarding an unjust late fee assessed on my account and the failure to close my account despite my clear request.
  
  On April 7, 2025, I mailed a letter to Surge requesting to close my account and refund the annual fee of $150. On April 12, 2025, I called Surge and was informed that the annual fee would be reversed. However, I was also told that a late fee would remain on my account despite the fact that the only charge on the account—the annual fee—is being refunded. Additionally, I have discovered that my account has not been closed, as requested in my initial letter.
  
  I believe the late fee is unwarranted, as it stems from an annual fee that is no longer valid. Furthermore, I find it unacceptable that my account remains open despite my explicit request to close it.
  
  I am requesting the BBB’s assistance in addressing these issues. Specifically, I seek the reversal of the late fee and the immediate closure of my account. This experience has left me feeling unfairly treated as a consumer.
  
  Thank you for your attention to this matter. Please let me know if further details or documentation are needed.

  

  Business Response

  Date: 04/23/2025

  We appreciate the opportunity to investigate this customer's concerns, a written response has been sent. 

  Customer Answer

  Date: 04/29/2025

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 23204129
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:04/11/2025

  Type:Billing 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.

  Stay clear of this company. I was charged a $125 annual fee of which this company never sent me any correspondence stating a change in the annual fee. Not to mention I paid my account off in full $700 before this annual fee was applied. I’ve been with this company for over 6 years and as of today I canceled my card with them for the scamming they’ve been commiting. I’ve been paying $99 for the past years until this year. They claim I filed a fraud case years ago and NEVER filed one. I spoke to 3 different supervisors Carlos, Eric, and Mary of which Mary stated she would email the correspondences that states the change in annual fee and I have yet to receive it. There’s just so much wrong in all of this. Today I just found a lot about them. Thought they would treat loyal customers just as such but to find out they didn’t care how they handled me I chose to cancel. I provided my contract that states $99 as well as the $99 I’ve been paying them for the past 6 yrs. STAY CLEAR OF ALL THE HIGH SCAMMING FEES!!!

  

  Business Response

  Date: 04/16/2025

  We appreciate the opportunity to investigate this customer's concerns, a written response has been sent.

  Customer Answer

  Date: 04/28/2025

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.
  As you see I provided a email of which you guys just sent me the new teams and conditions.  You guys are liars and need to be shut down.  The fact you did this to a loyal customer just proves you guys are greedy for money.  YOU DID NOT SEND ME ANY UPDATED FEES AND THIS WAS CONFIRMED BY YOUR SUPERVISORS.  After I reported you guys you then send the new fees to my email.  Unprofessional!  You guys need to be investigated 
  
  
  
  Regards,
  Complaint ID: 23192583
   
  
  
  
   

  

  Business Response

  Date: 05/28/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent. 

• Initial Complaint

  Date:04/04/2025

  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 requested the account to be closed when they decided to increase annual fee by double and increase monthly maintenance fees and increase monthly minimum payment. The increase in annual fee was applied to my card all at once , over $160 plus additional monthly fees . So I called and told them to close the card out. I continued to make the monthly payments, until I realized they were continuing to charge me maintenance fees, fees, fees and more fees. On a closed account??? That should be criminal. I offered to pay in full the balance that I owe that I charged, but I'm not going to pay hundreds of dollars in fees on a closed account that are fees they charge on open accounts. Whatever the balance was when I requested to close the account, is the balance I'll pay. Not a penny more and Continental finance needs to be held according for these predatory practices. I don't need a credit card with 30% interest, monthly maintain fees, annual fees, etc, when I have enough major credit cards that don't prey on consumers.

  

  Business Response

  Date: 04/10/2025

  We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.

  Customer Answer

  Date: 04/21/2025

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 23161513