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

  
• 

  Reflex

  P.O. Box 3220 Buffalo, NY 14240

• 

  Reflex

  PO Box 3220 Buffalo, NY 14240

• 

  Surge

  PO Box 3220 Buffalo, NY 14240

• 

  Surge

  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:08/28/2023

  Type:Product 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 8/03/23 I attempted to open a credit card account with Fit Mastercard a subsidiary of Continental Finance with faithful attempts then successfully completed this transaction using my checking account acct # ********** was told card won't be ready to use after 10 or more days after waiting for these days to pass I still found they did not open this amicably at the desired date. I proceeded to call Fit Mastercard agent that I wanted to cancel this account and get my processing fee of $89.00 returned checking account the agent on the 3rd of August it would take between 7-10 business days to see the refund back to my checking acct it was it's actually 12 days and they still haven't refunded the $89.00 processing fee as of this notice 8/26/2023. The only proof I have was the last four numbers of the Fit Mastercard it was 9124. I would like this resolved ASAP. I consider if Fit Mastercard will open a new CC account fully activated and ready to use provided the $89.00 processing they already have when trying to open the old Fit Mastercard using last four digits of last Fit Mastercard 9124. Thank You

  

  Business Response

  Date: 09/01/2023

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

• Initial Complaint

  Date:08/18/2023

  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 would say back in 2021 I had received a verve card thinking it would work which it did not and I reached out to the company and requested it be cancelled and I was told yes yes yes we will cancel it. Recently i was receiving bills for 299 which I did not use the card and cut it up and im like why is this happening
  
  I have had no communication with this company and earlier this year I get a letter saying this account was charged off and put in collections which of course reflects on my credit. I want this removed as I do not have the card nor had it for over 2 years and I want this removed from credit report or I will seek legal action

  

  Business Response

  Date: 08/28/2023

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

  Customer Answer

  Date: 09/07/2023

  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. I will be expecting an immediate refund today and to be communicated with today as well as it pertains to my refund. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

  Complaint ID: 20490540
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:08/17/2023

  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.

  This company claims that I owe them 1500 dollars and I never had that card and their telling me that I ran up a bill for 1500 dollars. I have never had a credit card with a credit limit for 1500. I do not know how they got my information. That is not my bill. The person I spoke to was rude and their illegally calling my family members and humiliating me when that’s not my bill. I have been very sick I almost lost my life now I’m disabled. And this is very upsetting and frustrating.

  

  Business Response

  Date: 08/24/2023

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

• Initial Complaint

  Date:07/14/2023

  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.

  Please please and please remove this from credit. I have been attempting to contact with you guys. These are unauthorized charges. Please remove this from my credit. I literally have a fraud alert on my credit file. Please fully verify people when signing up for credit. Please remove this of my credit.

  

  Business Response

  Date: 07/20/2023

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

  Customer Answer

  Date: 07/27/2023

  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.i had a fraud alert prior to my recent one. I had a fraud aleft in 2020  and another one out after the incident in 2021 . You can look at my fraud victim alert history. I am a college student. In which im not always at the listed address. If someone in that listed address have applied and made purchases with my name I will find out and handle it accordingly.  But I myself haven’t made any purchases or applied for this card. I just don’t want something negative like this to be on credit especially when it’s not mines or my fault. 
  
  
  
  
  Regards,
  Complaint ID: 20319917
   
  
  
  
   

  

  Business Response

  Date: 08/11/2023

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

• Initial Complaint

  Date:07/08/2023

  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 had my fitmaster cards through Continental finance for over 3 years now. In the beginning I had made my payments like I was supposed to and they denied me a credit line increase after 6 months even though they advertised that they double your limit. When covet happened. Yes I did get behind but in the last 6 to 8 months of this year I have been on time and in the last 3 months my balance has been zero throughout the 10-year of my card. I have been denied repeatedly for a credit line increase in March and April. I was denied even though the representative told me that I shouldn't have been denied, but they told me to wait until May of 23 to apply again. So I applied in April and May both months I was denied. The default reason was negative credit activity and then in June I applied again and July. I applied again now the last 3 months my balance has been zero and I have not had any late payments for over 6 months yet. They keep telling me I have negative credit activity and I have had too many deny transactions which as they explain to me meant that the merchant has denied my card and for whatever reason that is my fault and I'm being penalized. That's exactly what was explained to me. No other credit card does this? How are you going to tell me I cannot get a credit line increase if the merchant is not denies the transaction. That is not my fault. I have nothing to do with that. I think they're being unfair and discriminatory because they just don't want to give credit line increases. I'm tired of it. I have demonstrated a good payment history in the last 6 to 8 months I should get an increase

  

  Business Response

  Date: 07/17/2023

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

• Initial Complaint

  Date:06/30/2023

  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.

  Someone ran up $1347 on my Reflex Mastercard. The card has a $1350 limit. The charges were from different parts of the country. I was carrying a zero balance at the time. I reported the fraudulent charges to Reflex. They insist I have to make the minimum payment on this balance until they resolve the situation. I don't particularly feel inclined to pay for their incompetence. I have no way of knowing if I will get this money back, or if they will try to just credit my account with a debit amount. They have already been working on it for 3 weeks and have only cleared one transaction out of 27. I would like all the charges removed from my account.

  

  Business Response

  Date: 07/10/2023

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

  Customer Answer

  Date: 07/24/2023

  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: 20259809

  
  
  
  
  
  Can you please change the review to reflect I am satisfied with the outcome? I missed the previous email from BBB regarding this matter and never responded to it.
  

• Initial Complaint

  Date:06/07/2023

  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.

  Filed a dispute against (ebay) in march 2023
  Spoke with diana/diane. Gave her the personal information and details. Gave me a reference number.
  Called back in april 2023 and was informed by a supervisor that my dispute had not been assigned yet. Supervisor forwarded this information to a dispute specialist who then called me in may and tried to justify this mishap by claiming they needed details regardng the purchase. The details were given to diane in march/april 2023. The details are that I was charged for an item I never recieved. Upon leaving 2 responding messages with these details again. It is now june 2023, and I have not recieved my credit. Continetal finance has violated credit rights, allowed companies to charge, refused to credit my card, plays games, long hold wait times (30 min), representatives are obnoxiously rude, refuse to give me corporate headquarters and the director. Upper management ect. As a customer. I Have been mistreated throughout the duration of having this card. Unprofessional and ridiculous, addressing me as the wrong gender, failing to provide updated cc with chip (2021) and more

  

  Business Response

  Date: 06/15/2023

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

  Customer Answer

  Date: 06/19/2023

  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.
  
  To whom it may concern, I am submitting this unacceptable response regarding the above complaint for the following reasons,Conpany letter does not include name and department employee signatureI have already provided information regarding the original date of the dispute (*****) who failed to properly file dispute (which caused a 30 day delay)Representative did not reach me by phone, however, I left 2 messages replying to the Representative (phone records will verify)None of my other matters were addressed. Representatives unpro4and rude, long hold time, unnecessary games, falsifying statements.Credit should not have taken over 60 days, I should not have had my disability rights violated.
  
  
  Regards,
  Complaint ID: 20156259
   
  
  
   
   

  

  Business Response

  Date: 06/22/2023

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

  Customer Answer

  Date: 07/10/2023

  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: 20156259
  
  

  
  

  
  

  
  

   

  
  

   

  
  

  To whom it may concern, 

  
  

  Please accept my complaint withdrawal. 

  
  

  I have been in contact with this company, and the manager (and team) has escalated this issue on behalf. 

  
  

  I am satisfied with this and would like to "withdraw" my complaint.

  
  

  Thank you for your assistance in this matter.

   

  Customer Answer

  Date: 07/17/2023

  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.
  
  To whom it may concern I would like a manager/supervisor regarding my complaint. I dont appreciate not being given many options and I dont appreciate the fact that my concerns were not addressed. The company lied and stated I would receive a refund, however, I did not, this has not been resolved/addressed. I was willing to withdraw my complaint after speaking with a manager (who informed me that the matter would be escalated within 72 hours, its been 96 hours).My payments are still being withheld.I never recieved my refund (from my 4/2023 dispute)And I was denied a credut line increase (due to too many declines which were caused by this company withholding my payments and not applying my payments to my balance).This is why this matter needs to be reopened as UNSATISFIED. Company lied to the bbb and myself. I would like someone in charge to further handle my complaint. This is a direct violation, not to mention my concern were never addressed properly by the bbb and or this company.Bbb Corporate is requested at this time.
  
  
  Regards,
  Complaint ID: 20156259
   
  
  
  
   

  

  Business Response

  Date: 07/20/2023

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

• Initial Complaint

  Date:06/04/2023

  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 lost my credit card, March 2023 and there were unauthorized charges on my card I reported the incident to continental finance, and I was told they would investigate and get back to me. I filed a police report about a week later, I received a letter stating that they completed their investigation and did not find any fraudulent charges on my account and told me I was responsible for all the charges.totaling $479.00 I called the company and asked what they based their decision on and never received an answer. I told the company I had a copy of the police report and they asked me to email them a copy. And that was over a month ago, and I have not received a response, and on top of the fraudulent charges they are also charging me late fees but I have a bank statement that shows I have not been late for one single payment and they keep telling me I have to pay $110.00 (idk what for) my monthly payment amount is $35.00 this is wrong, and I cannot even access my statements online..This is fraudulent behavior being displayed from the company on 5/20/23 I was charged $16.25 interest on purchase but it won't allow me to click on it and fully see the charge and on 5/23/23 I was charged $41 late fee and I do not have one single late payment. I am enclosing a copy of my payment history from my bank. This is fraudulent charges the company has placed on my account.Also they keep saying they have credited my account ready but if they didn't find any fraudulent charges then why would they credit my account I never received a credit for the unauthorized charges. They are accusing me of committing fraud with absolutely no proof. I provided proof, but I am still being charged.This company is very fraudulent

  

  Business Response

  Date: 06/13/2023

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

• Initial Complaint

  Date:05/25/2023

  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.

  I paid off and closed out my credit card in February. Somehow the final payment was made twice causing there to be a credit on the account. I have called several times and still have not received a refund.

  

  Business Response

  Date: 05/31/2023

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

  Customer Answer

  Date: 06/05/2023

  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: 20104424
  
  

  
  

  
  

  
  

   

  
  

   

  
  

   

• Initial Complaint

  Date:05/01/2023

  Type:Product 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.

  6 Months ago I canceled a secured credit card with them. I have not received my security deposit yet. After waiting a couple months I never got the refund check but received the statement showing I closed the account. Contacted them the beginning of April and was told they would re issue the check. May 1st still no check. Spent 35 minutes on the phone with them this morning to be told they would look into it. I asked to speak with the manager and was put on hold for 15 of the 35 minutes. She came back to the phone and said she would have to have a manager call me back. I can no longer log in to my account to provide account number. Have not got a call back yet. I just want my money they owe me.

  

  Business Response

  Date: 05/08/2023

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