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Business Profile

Credit Cards and Plans

Continental Finance Company, LLC
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

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

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

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    Customer Complaints Summary

    • 707 total complaints in the last 3 years.
    • 305 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/28/2024

      Type:Billing Issues
      Status:
      Answered
      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 CELTIC BANK /CONFINCO. I REPORTED MY CARD WAS STOLEN BACK IN JUNE OF 2023 AND THERE WERE UNAUTHORIZED CHARGES THATS WERE IN MY ACCOUNT. A CELTIC BANK AGENT ASSURED ME THAT I WILL NOT BE RESPONSIBLE FOR THE UNAUTHORIZED CHARGES.

      THEY HAVE SOLD THIS DEBT TO " RCS 888-665-0374" AND I DO NOT HAVE A CONTRACT WITH THIS COLLECTION AGENCY. I DO NOT SIGNED ANY CONTRACT AGREEMENT WITH (RCS 888-665-0374 ) THEY DID NOT PROVIDE ME WITH ORIGINAL CONTRACT AS I REQUESTED.

      Business Response

      Date: 07/05/2024

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

    • Initial Complaint

      Date:06/27/2024

      Type:Billing Issues
      Status:
      Answered
      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 lodge a complaint against Credit Protection Customer Care, Surge Card, and Continental Finance Company regarding their failure to respond to my payment protection claim and the subsequent issues I have encountered in trying to contact them.

      On 5/7/2024, I submitted a payment protection claim to CP Claims due to the loss of my job in March 2024. I've never had a late payment since the beginning of my account in 2021 and I was keeping up with payments as much as I could until I started drowning. I submitted a claim so that I wouldn't lose my perfect payment history. Despite multiple follow-ups, I have not received any acknowledgment or response from the company regarding the status of my claim. I've called everyday to make sure all information needed was received and there has been no acknowledgment. I've been told that managers are aware to keep waiting 3 to 5 business days, but now its almost been 2 months.

      Furthermore, I have recently encountered additional difficulties in reaching out to the separate Credit Protection Customer Care. The company's website is currently non-functional, and when I attempt to contact their customer service phone number, I get the initial IVR, but when I request for claim assistance, I receive an error message stating that an error has occurred and to try my call again.

      These issues have caused me significant distress and inconvenience, as I am unable to obtain any information or assistance regarding my claim. I believe that they are failing to uphold its obligations to its customers and is not providing the level of service that is expected.

      I kindly request the Better Business Bureau to investigate this matter and assist in resolving my complaint. I am seeking a prompt response from Continental Finance Credit Protection and Surge Card regarding my payment protection claim.

      Business Response

      Date: 07/05/2024

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

    • Initial Complaint

      Date:06/25/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Today Card was purchased by Continental Finance and cardholders were informed that they would be receiving a new card with a different number in February of 2024. At that time, my account was closed because I was working with a debt management company, Greenpath, who was making payments on my behalf. I was informed in March by Greenpath that they were unable to send my payments to Today because the account number has changed, and they needed that. To this date, June 25th 2024, I have contacted Today card numerous times to simply get my account number. They have refused to give it to me, stating that they do not have it. I have spoken to a representative one the phone at least 4 times and they refuse it. They have said they cannot give it to me over the phone. In May, after calling again, they claimed they would send me a letter in the mail with my account number on it. As of today I have never received anything. Today I spoke with a customer service representative via their chat function who said that it should be on the back of my credit card. I again informed them that since my account was closed when Continental Finance took over, that they did not send me a physical card. I asked for them to please give me my account number. They stated they cannot help me and to call customer service which I have already done. I have never heard of any company refusing to give out information to a customers own account and I have never had this much trouble dealing with a credit card company to retrieve simple information from MY OWN ACCOUNT. I would recommend to never do business with this company nor open a credit card with them. This is the worst customer service that I have ever encountered, period. I just want my account number.

      Business Response

      Date: 07/03/2024

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

    • Initial Complaint

      Date:06/24/2024

      Type:Billing Issues
      Status:
      Answered
      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 and received a credit card from Continental Finance Company as the servicer. They have my old phone number on file and will not allow me to activate it. I called, got inaccurate information. Called back again and got hung up on before I even hear a voice, then called back and sat on hold for over an hour and they refused to help me. The supervisor would not talk to meat all. They extended me a credit card and insisted they can help me activate it, now they refuse to. This is not related to credit or payments or anything. Just a compnay with terrible service and unwilling to finsh the job of activating my card they sent me.

      Business Response

      Date: 06/28/2024

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

    • Initial Complaint

      Date:06/19/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Never signed up for this credit card. Received in the mail.

      Business Response

      Date: 06/20/2024

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

    • Initial Complaint

      Date:06/19/2024

      Type:Product Issues
      Status:
      Answered
      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 been trying to reach a resolution with your company for a year. I have insurance on this card. I have extreme hardship and can no longer pay balance. My husband has Cancer, long covid, double pulmonary embolism, and I'm disabled. I can not pay the monthly payment due to having to pay medical bills for treatment. We lost income and I'm trying to settle this or have insurance pay this. Please help.

      Business Response

      Date: 06/28/2024

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

    • Initial Complaint

      Date:06/18/2024

      Type:Billing Issues
      Status:
      Answered
      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 identity theft and have spoken with their fraud dept more than a dozen times.
      I closed the account and the fraud dept rep names Allie has no clue what she is doing.
      That business has no place being in business.
      Instead of alerting a new customer there is fraudulent activity going on they call you at work and ask the same stupid questions over and over

      Business Response

      Date: 06/28/2024

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

    • Initial Complaint

      Date:06/13/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      credit protection claim

      Business Response

      Date: 06/20/2024

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

    • Initial Complaint

      Date:06/12/2024

      Type:Billing Issues
      Status:
      Answered
      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 Celtic Bank/Continnental Fin co, I do not have a contract signed with the collection agency, this debt has been paid off.

      Business Response

      Date: 06/14/2024

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

    • Initial Complaint

      Date:06/10/2024

      Type:Billing Issues
      Status:
      Answered
      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 6/10/2024 I received a physical credit card from Continental Finance. I have never applied to this company, nor have I applied for any credit cards in years. I have no way to contact this company to close this credit card, and now this is on my credit report as an inquiry.

      Business Response

      Date: 06/12/2024

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

    Continental Finance Company, LLC is BBB Accredited.

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

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