I ordered a Continental Finance card. After I received it, I used it to pay some small bills. After seeing their maintenance fees, I realized that no matter when or how I paid I was always listed as a late payment. Then I ended up hospitalized, and the account went further delinquent. When I finally came home and got access to my mail, I paid off the card and closed the account. I had cut up the actual card months before.
Three weeks later I received a bill with a service fee and a late charge. I called again. I refused to pay a late fee, but paid the service fee. I was promised that they would remove the late charge and the account would be closed. They told me they could not give me a confirmation number because they were not authorized to do it themselves but had to send it to another department.
Three weeks later I received another bill, this time with two late fees on it, and a service fee. They claimed to have no record of my previous call. I repeated the process. I paid the maintenance fee, and they promised to remove the late charges. I called a week later to confirm this was done. They had no record of this again, but assured me it would be resolved.
Now... I pulled up my credit report and have found that since then I have married, and moved. I am at home with a full-term pregnancy on bed rest, and I am mad. All these past 9 months I have been being billed... For services I never received on an account that I have attempted to close four times. Every bill I ever got from them had incorrect information. Furthermore, I never received any initial bills, only ones saying I was late. I fail to understand. I can't pay a card on time that won't send me bills on time. I think it's a scam to ensure the extra fees every month, and as debilitated as I was, they should be ashamed for this sort of exploitation. I have called them and told them my situation, and they told me to pay off all my fees and close the card. I cannot bring myself to do that... This is too dishonest. I am seeking to find out what my legal rights are. I must have some.
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