To all those that have been wronged by CFC:
Following is a copy of the complaint I sent to the Better Business Bureau and will be sending to the following:
Continental Finance Company, LLC
Ms. Beverly Knotts, Principal
Newark, DE 19714-8099
BBB of Delaware
60 Reads Way
New Castle, DE 19720
Ms.Deborah Platt Majorus, Chairperson
Federal Trade Commission
600 Pennsylvania Avenue, N.W.,
Washington, D.C. 20580
On October 1, 2007 after numerous attempts to call their CS number that is printed on the billing statement, which makes it VERY difficult to reach a "Live" CS person, I inquired about the “Late payment charges” for the October billing cycle. I was told that the Late Payment charges were due to late receipt of my payment. My payments to them are always made 2 weeks in advance to assure that payments are received on time, but in the last two months it seems that the checks are delayed or processed late in order to charge a late fee of $30.00. When the Customer Service Rep. told me that they were not responsible for the USPS mail being delivered late, I decided that this was a good indication of their business practices and it would be best for me to close this account out.
I asked the C.S. Rep. to close the account out and asked for a payoff (that included the $30.00 Late Fees) she indicated it was $185.38 and that amount was minus a credit for disputed charges by Digicom. I advised her that I would be sending out the check to pay off the account and she acknowledged that she would be indicating this in her notes.
Today, November 8, 2007 I received a statement for Total Due: $59.00 ($49.00 Annual Fee and Account Maintenance Fee). When I tried to reach their C.S., I spend more than an hour trying the different options and three different numbers in order to talk to a C.S. Rep. The 800-518-6141 tells you to call 1-866-489-3649 and this number does not give you an option to talk to a live C.S. no matter what option you select. After going online and doing a general search for CFC, I found a local 302-456-1930 number. The first C.S. Rep. that I spoke to said this account was never closed out and that I had to pay the fees, I then asked to speak to his "supervisor" and they basically told me the same thing. I then asked to speak to his supervisor or manager and was transferred to a manager named "Mark" after approx. 10 min. of pleading my case and trying to remain calm, which I have to admit there was a few times I failed due to the collective frustration of trying to contact someone and resolving this issue, I was told that the account was never closed as there were no comments or notes and that the best he would do is “halve” the charges and the account would be settled.