Important information
- Customer Complaint:Due to the volume of complaints filed against this business, BBB only publishes the details for 15% of the total complaints filed.
Complaints
This profile includes complaints for Continental Finance Company, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 708 total complaints in the last 3 years.
- 305 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:08/06/2024
Type: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.
Hello. This is regarding a Surge credit card / Continental finance. They have started charging a $15 maintenance fee and said if I opt out, they will close the account and still charge me a maintenance fee. So I closed they account and would like to know how they get away with starting to charge a maintenance fee whether you opt out and/or close the account. There is no way they are allowing you to avoid this fee and I am being forced into it regardless if they account is open or closed. How don't know how they can suddenly and legally force this fee upon someone.
Business Response
Date: 08/13/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:07/31/2024
Type: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 have had a today credit card for several years. Apparently it was sold and account #s were changed. I do not have a new card and do not know the #. There was a zero balance, and I started receiving notices of late pays. I have contacted them thru the # provided and told them CLOSE the acct, I don’t have the new card and have made no charges. I have spoken to 6 different people including a supervisor. And was assured it was being referred to the fraud sept. However 1-I was told there are now at least 3 new charges and I have to make required payments. I asked how can that be when I have requested the acct to be closed since first contact back at the end of May? And each other call upon receiving requests for new payment.. I am getting no where. I lost my husband a year and a half ago. And am now a heart patient. I need some intervention with these people please, help me.Business Response
Date: 08/08/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 08/14/2024
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. However I must voice my concern that sonde Feb. each time I called to close the acct. and was assured it would be done. I started receiving mailed billing statements of new charges and delinquent payments, when there were none. I sincerely hope and appreciate all of the assistance in getting this resolved. However I am extremely leary due to the many conversations with this companies customer service team. Thank you again
Regards,
Complaint ID: 22071750Initial Complaint
Date:07/26/2024
Type: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.
make sure the finance company attorney sees this complaint.
a response from the customer support team is not suffice.
provide the following information below if my card is not issued in accordance with the freedom of information act.5 U.S.C. § 552
1) The name, address and telephone number of capital one bank’s CPA auditor
2) proof that bank lends its own creditBusiness Response
Date: 08/02/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:07/23/2024
Type: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.
Beyond the fact that this company does not keep transparent information on their app about fees in real time. My due dates is on the 17th of each month. And I have been paying on time every time. Which is also marked on my credit report. All of a sudden I saw a $30 late charge last month. I informed them that I made my payment on the 17th around 11: 00pm when I got off from work and I made my payment on time. It was reversed but I had to call them three times to ensure that the reversal happened. For the other two times they said they were going to do it and never did. Now a month later I get off work made my payment under 17th around 11:00 p.m. again, and now they charge me a late charge but this time of $40. Firstly there is no paperwork talking about a late charge increase. And again I paid on the due date. Which is reflected in my credit for I never had a late payment. When I called this time they're saying they don't want to reverse it because the last time was done out of a courtesy. And that I was charged this late charge because their business office is closed at 7:00 p.m.. and even though I made it on the same date it doesn't matter. I have no information stating this policy. When it was reversed the last time it was not done as a courtesy they just apologized and did it and told me that it would never happen again that it was a glitch. And I have been a card holder with this company 3 years now and usually pay around this time and was never charged a late charge until recently. As I stated earlier this payment was not late if you look at my credit report I have never been late. This also comes after they sent a letter stating that they are about to charge $150 annual fee for this card. This company sucks and I will eventually have to cancel this cardBusiness Response
Date: 08/01/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 08/06/2024
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: 22033865
Initial Complaint
Date:07/21/2024
Type: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 a fit card and got accepted and was sent the card. On the paper that came with the card, it instructed me to pay the processing fee to have my card be usable immediately upon payment. However, I learned I’d have to wait 24 hours to active the card. I called back 24 hours later to learn it was actually 48 hours. This seems highly suspicious especially given that the processing fee was taken out of my account already. I’m very displeased with the company and the lack of accurate information. Be careful with this company and stay away from their productsBusiness Response
Date: 07/25/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:07/15/2024
Type: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 have called to cancel credit protection and am sent to a dead phone number.
I've enjoyed using this card, and just want my credit protecting service canceled.Business Response
Date: 07/17/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 07/30/2024
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: 21989821
Initial Complaint
Date:07/08/2024
Type: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 the months of April, May June 2024, I submitted credit line increase an each time I am being told that I have had too many declines in the last 6 months; which is not accurate. Then I am told to allow the 'back end' 72 business hours to research the declines, which does not happen. I want to know why I cannot receive an accurate response or one at all as to why I am not able to receive a credit line increase. This is obsurd!Business Response
Date: 07/16/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:07/06/2024
Type: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.
Fraudulent charge. Reported to credit card company. Continue to get bill. Card is deactivatedBusiness Response
Date: 07/16/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Initial Complaint
Date:07/04/2024
Type: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 credit card company just appeared on my credit report and even did a hard hit on my credit. I have never applied for this card. I need it removed from my credit report and the account closed.Business Response
Date: 07/08/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.Customer Answer
Date: 07/12/2024
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. I will refile the complaint if the item and the hard inquiry is not removed from my credit report.
Regards,Complaint ID: 21941583
Initial Complaint
Date:07/02/2024
Type: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.
My credit card company decided to increase my rate substantially and gave me the option to opt out of the rate increase but failed to disclose that my account would be closed.
Now my credit rating has droppedBusiness Response
Date: 07/08/2024
We appreciate the opportunity to
investigate this customer's concerns. A written response has been sent.
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