I opened this poor quality credit card in September of last year to start building my credit. Once I made a few payments on it (on the charges for getting it), I received a better card. So I paid off the Continental Finance card the following January and cancelled my account. For paying it off, they charged my card $4.95 (internet payment fee). I called the company to pay the $4.95 over the phone, but they wanted another $14.95 phone payment fee so I told them I would just send a check.
Well, the following week, before sending the $4.95, I got a bill for $30 (account maintanence fees) on a card that was cancelled. I called them that day and they said to just forget the $30, they would send a bill saying I owed nothing. So I waited for that bill before sending the $4.95. I got a bill the following month saying I owed $60!! I called again, and again they said disregard.
Last month I got ANOTHER bill saying I owed $120! I called, extremely frustrated, and they gave me a number to thier corporate office to call. I called the corporate office, and, ONCE AGAIN, got the "Disregard the bill, the other people you talked to just handle payments, WE handle the accounts. It will be removed." I didn't hear anything for almost two months, then, today, got an alert on my credit report that they put negative information.
I called them, and NOW they say I owe $160 because I didn't pay the $5 that THEY TOLD me to disregard! They also said my account HAD been closed for some time... Closed to be USED, my card was no good. But it was open for them to continue to charge. Needless to say, I am contacting an attorney in the morning. Oh, and beware of this company. They have no website, no e-mail address, and they themselves cannot contact thier corporate office. I was told today that they don't know how I talked to anyone at the corporate office, because they didn't have the number. Go figure. I must have made a lucky guess.
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