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Complaint Details
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Initial Complaint
08/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Original complaint: 21933417 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 dropped. I have now found the original letter stated in the attached document Section D p) Your decision to opt out will not affect our decision to continue to extend credit to you under the agreement. I’ve made several phone calls over the last month to re established and was told I would be reactive in 72 hours. This last call I was told it could not be reactivated. My fiancés account was reactivated and we both sent the opt out notice at the same time but I called prior to her to have my account re established. I feel I’m being punished for putting in a complaint. The letter clearly said my decision to opt out will not affect their decision to continue to extend me credit.
Business response
08/14/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer response
08/23/2024
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. I want my account reopened this was clearly confusing. My fiancé was offered a lower APR and I would like the same. Regards, Complaint ID: 22118963Business response
09/09/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
08/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had a hard inquiry from this company and I didn’t authorize it. Every attempt to contact them has failed. The number listed is an automated service that constantly says I’m first in line just to never answer and eventually hang up on me. I tried to email but no response. I need this removed immediately.Business response
08/13/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
08/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was alerted that a card was issued without my knowledge I contacted Experian and also Continental Finance. Initially the number I was given kept hanging up after being on hold for over an hour. I called the card department and was told everything was deleted and it was sent to fraud I was not given an opportunity to verify this and was told I would be contacted by the fraud department. I asked what email they had and they didn’t have my correct email but would not verify what they had. I was hung up on several times and was not given any answers. I want to ensure that the account was closed and that they know it was fraud I did not ask or apply for this card. I want resolution and want to know how this occurred. I want to know this was taken care of and want confirmation of thisBusiness response
08/13/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
08/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
08/13/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
07/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
08/01/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer response
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
07/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
07/25/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
07/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
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
07/17/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer response
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
07/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Fraudulent charge. Reported to credit card company. Continue to get bill. Card is deactivatedBusiness response
07/16/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Initial Complaint
07/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
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
07/08/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.Customer response
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
07/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
07/08/2024
We appreciate the opportunity to investigate this customer's concerns. A written response has been sent.
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Get a QuoteCustomer Complaints Summary
606 total complaints in the last 3 years.
245 complaints closed in the last 12 months.