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.

close

Find a Location

Continental Finance Company, LLC has 10 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  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:02/17/2023

  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 applied for a credit card and received it back in December and tried to activate it and was told I waited too long to activate it. I paid a processing fee of $89 and was told I would be issued a refund check back in December and I have contacted customer service at least four times and they keep telling me they will be issuing a refund check and they never do. I want my $89 they took from me back

  

  Business Response

  Date: 02/26/2023

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

  Customer Answer

  Date: 03/01/2023

  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: 19423723
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:02/15/2023

  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.

  On January 6 and 16th there were fraud charges placed on my credit card. I call the company and informed them and they blocked that card put me on hold then phone call was lost. When I called back, they told me that the card was block and that would be all I needed to do. On 2/14 I get a letter dated for 2/7/23 say I am liable for the charges because I did them. I did not make the over 150.00 in charges and I feel this company is trying to force me to pay. I have asked to speak to a supervisor three times in one, today. They place me on hold and then the call drops.

  

  Business Response

  Date: 02/23/2023

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

• Initial Complaint

  Date:02/11/2023

  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 have a Surge card and Cerulean card with Continental finance. Both accounts have autopay set up. On February 2, 2023 my Cerulean card took my $35 automatic payment. Seven days later I get an email that it’s being returned. No explanation at all. I called them and they didn’t have one either. Called my bank and no charge or returned charge. Called them again and they said maybe the wrong bank account was entered. It’s the same account that is already linked with the other card in the same app. Impossible. Now I have have a late charge and they report to my credit bureau. I reput my banking and reset autopay and a day later it’s shut off. I just went to put it back on, closed the app, went back on and it’s off! Called their help line and the tech wanted to send me to the fraud department. It’s not fraud? There is a glitch in the system. There are many others on here with the exact same problem. Also, the other card linked is set to autopay and out of nowhere it decided to make a payment for $145 on top of my autopay. No one at this company wants to listen. Very frustrating. I feel like it’s a scam and they make money off of your late fees and hope you don’t notice that they shut your autopay off.

  

  Business Response

  Date: 02/17/2023

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

• Initial Complaint

  Date:01/30/2023

  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 am not liable for this debt with this company and do not have a contract with continental finance company llc. They do not provide me with the original application like I asked.

  

  Business Response

  Date: 02/02/2023

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

• Initial Complaint

  Date:01/23/2023

  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 new Reflex Credit card with updated expiry date for the existing card that was about to expire.
  The new card was received and very likely disgarded by accident. I called the lost/stolen card line and a freeze was put on the account and was told a replacement card would be sent in about 5 days. It has yet to be received. I called the 866 440 4514 customer service number and cannot access the system because I do not have an active card number. The system has no option to speak to a human. If you hit zero, you are disconnected. I have no way to speak to anyone to access my account or payment due information. I am sure this activity by Reflex is not legal denying a customer their account information.

  

  Business Response

  Date: 01/31/2023

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

• Initial Complaint

  Date:01/20/2023

  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.

  In accordance with the Fair Credit Reporting act. This account
  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.
  In accordance with the Fair Debt Collection Practices Act.
  Debt collectors are not allowed to communicate with me under
  the 15 USC 1692C

  

  Business Response

  Date: 01/23/2023

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

  Customer Answer

  Date: 01/26/2023

  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. If the account was sold to a third party collector why is this company still reporting missed payments late payment on my credit report
  **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: 18871133
   
  
  
  
   

  

  Business Response

  Date: 02/09/2023

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

• Initial Complaint

  Date:01/14/2023

  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.

  Re: Continental finance surge master card issued by Celtic bank . Let me First start by I have been with them for 15 months never had a negative mark on my account . My account was closed oct2022 . Since closed I have continued making payments December 2022. They give me a 30 day late reported to my credit. I immediately contacted them trying to figure out what happened. I was told it was an error and would be fixed that I was not 30 days late give it 48/72 hours . So I did and nothing changed called them back they told me to email and fax a good will letter I also requested all supporting doc. And recent payment activity via phone fax email and postal service on 12/28/2022 . I was told again to wait 48/72 hours this goes on for 17 days talking to them every day no one can give me any info on if my doc were received . i request a paid in full letter on jan6/2023 i was told wait 24 hours it would be emailed . ( this has been requested 4 times now) Never received anything . I was told to email bank statements so I did worried cause it has my ss and bank info. They still have not told me if it was received . Today jan14/23 I get second 30 day late even tho the card is paid to zero . I called back furious they told me to email and wait 72 hours again. This company is a scam and will report negative info to your credit report if you close your account with them . I want this issue resolved and the 2 30day late payments removed from my credit report . I have attached documents from all conversations with Continental finance as well as copy’s of doc. Sent by email

  

  Business Response

  Date: 01/23/2023

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

  Customer Answer

  Date: 01/27/2023

  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.as
  Response to this message they state my payment of 35 dollars was done via monism app. I made this payment over phone . I have red quest to look into the phone conversation regaling both payments of 35 made to both cards have on same date . As for returned payments surge never notified me I have requested any notification sent regarding returned payments as I was never notified so I was unaware anything was returned . 
  Regards,
  Complaint ID: 18814446
   
  
  
  
   

  

  Business Response

  Date: 02/10/2023

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

• Initial Complaint

  Date:01/12/2023

  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 called because I made a payment to the company, which now I believe was fraud now but the company would not even review the case damaging my credit report by 60 points. I asked if I made the payment if they would send a letter to the credit bureau to fix the late payment and they refused. The company did not email me missed payment notifications, contact me by phone or send via postal contact.

  

  Business Response

  Date: 01/19/2023

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

• Initial Complaint

  Date:01/04/2023

  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'm attempting to resolve an issue with fraud charges on a Cerulean Mastercard issued by Continental Finance.
  Fraud charges were made 10/7/2022-10/10/2022, for a total amount of 651.17.
  
  I was advised in December a police report would need to be filed to further the investigation. I've yet to receive any response from the case worker as it seems that the case was never investigated and the charges were wrongfully declared to be "valid".
  
  Case number was from Lisa of Fiserv
  Case Number - 1202228500640

  

  Business Response

  Date: 01/12/2023

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

• Initial Complaint

  Date:12/27/2022

  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 had the Verve Card and there are currently fraud charges on this account. I have been dealing with this since Sept and this company is less than zero help. They keep charging maintenance fees and other fees and I was told not to make any payments on this account. Now, I have been trying to get the Fraud dept and no one ever answers or calls me back, tried emailing and again nothing. I did speak with a supervisor who said she was going to be getting the late payments they stuck on my credit report off and now as of today they aren't going to take them off and still charging me fees until I pay the charges, that are not mine. They will not send me detailed information on who signed for this where was it, just info that is zero help in getting this rectified, they just want me to pay it. So now, not only did they put bogus stuff on my credit report, they will take it off and now still getting zero help. How do I fix this, I have no recourse because I didn't do any of this.

  

  Business Response

  Date: 01/06/2023

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