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To rebuild my credit I allied for a MartiX Discover card finance by Continential Finance. I understood the set up fees and annual fee and paid them. They gave me a credit limit of $350.00, paltry, but understood. I keep the account at least $100.00 below the credit limit and paid $62.50 by-weekly keeping the account more than current. At the end of a 12 month period, they increased my credit limit to $400.00, then turned right around and charged the $75.00 annual fee, (was prepared for that), and a $12.00 monthly maintnance fee, (WHOA, had not seen that fee the 1st 12 months)). In short, they wanted to charge me $219.00 annually for an account with a $400.00 limit. That is twice what I paid to open the account! So by keeping my account current, and being responsible with my card, I was to be penalized an additional $144.00 a year! (BS) I called them, requested some of these fees be waived. Got it reduced to a $65.00 AF, and $10.00 MMF, (BS) I closed my account, and my pre-scheduled bi-weekly payment will have this BS account paid off by 11/01. If you are looking to rebuild, use Capital One. I have 3 of their cards and will use them to continue to rebuild. No annual fee after the 1st year, no "monthly maintenance costs", and higher credit limits. This card was a true rip off .
The complaint has been investigated and resolved to the customer’s satisfaction.
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I never applied for a credit card, and believe that someone has used my information to get a line of credit. I told them that I would like to dispute it, and they demanded that I pay. Instead of trying to help resolve the matter, they just told what I was gonna do and that was that. I would lust like to receive some sort of assistance to resolve this matter.
This company is threatening to take me to court to collect money owed.I would like to know if this is legal or is this a way to make you pay the money.
I received a statement in the mail about owing this company $250.00 DOLLARS and didn't even order a card. I don't have any credit cards and don't want any for that matter my question how can you owe something for something you didn't receive much less order. Please beware of this company.
I recieved a call from Continental Finance at my work to get me to make a payment of a credit card they said was mine.. I dispute it and they told me to go to the police and get a police report and fax it in.. My sitiuation is a little different I found out who opened that account using my info.. Cops arrested him, I faxed the police report to Continental and told them to get back to me when they figured something out.. I never got a call back from them except only every other day to pay the credit card off.. I told them repeatedly that is was under fraud investigation why are you calling me? Their response was "Oh! I dont see it in the notes.. Did you send a police report?" Well that went on for 6 MONTHS! I finally spoke with a "supervisor" and he tells me that the police report I sent in was incomplete and had to go back to the police department and get it fixed.. I call the officer and he assures me that, that police report is not incomplete.. So, I called Continental and told them what the officer said and they said they"ll make a note of it and review the account again.. I didnt hear from them again until 2 months later when a collection agency called me and said this account needs to be resolved.. I explained to him what was going on and I wanted to know why he had it.. He seemed confused as all hell why they would do that.. He sent the case back to them and Continental gave it to a different agency.. Its been 4 years its on my credit report still.. I get harrassed only once in a blue moon now.. I believe the guy is still in jail.. And Im still in proverty because our goverment wont lift a fingure to help you unless ur someone important or make enough money for them to benefit you.. A lawyer told me I was better off paying it myself or paying to go to court to try and take care of it myself.. Because! He says no one steps in to prosecute unless $40, 000 or more has been stolen, used however you wanna put it.. Thats pretty sad.. Makes me wonder what the hell are we really fighting for.. I thought it was land of the home the free and the brave? Not the home of the wicked the twisted and the rich!
Credit cards are not sent to people without asking for them. Either you, or someone with your information applied. Stop lying.