continental finance had supposedly hired a lawyer and i had talked to him today and he said that i owed $645.04 and then he told me that if i didnt pay by tomm i would then owe $3500.00 how is it that it goes from only $645 dollars to $3500 hundred dollars. i know for a fact that court costs and filing does not cost that much. so who am i really paying. i dont believe this company exists any longer because i tried to call there number and it was disconnected

I applied and received a credit card through Continental Finance earlier this year, and since I was starting school, I decided to pay my student fees with the card. Since the fees were only $48.00, and I remember this because when I initially recieved the card, I was told by a customer service representative that my limit for my first purchase was of $50.00 until I made a $250.00 payment to receive my full limit of the card. One month later, I went on line and made my paymet and paid the $48.00 charge which I had acquired on the card from my recent purchase. Since I had not made any other purchases, I decided to continue making the minimun monthly payment in order to receive my full available credit.

Yesterday when I was attempting to co-sign for my little sister's car payment, it appeared on my credit history that I had failed to make payments on the card and owed them $500.00. I ask myself, how is this possible if the card had a limit of $300.00 which I never reached and was making the monthly minimum payments. As a result of this, I am now waiting to hear from the lender to be approved as a co-signor and the vehicle which we were initially going to make the offer on, might be sold to a different buyer.

After several attempts to give them back their card after they put charges on the account that caused it to over the credit limit, and the calls of harrassment, threats of turning me into the credit bureau, I even offered to pay the the bill down to the original $250.00 credit line and give it back to them and they refused, I am trying to find out who and where I go for help in this matter. I feel that this company is trying to get rich off of the poor people who may or may not have good credit and use them, most credit card companies do not charge such high fees, unless attached to an secured credit card, this is not such a card, and the representatives lie and mislead you into activating these cards, someone needs to stop this company and put the out bussiness. If you have any way of helping, please contact me as soon as possible.

A few months ago I applied for this credit card in hopes of rebuilding my credit. Although I knew about the initial fees, I did not realize their unethical methods of charging late fees on your account.

When I first activated the card, I was contacted by a very rude employee asking that I make a payment. This was of course two weeks before my scheduled due date. After I made the payment, I was told that my payments are due on the 15th each month.

Well, after making my next payment on time I realized I had been charged a late fee. When I called them to ask why, they said because my payment was due on the 12th. This was completely bogus because we had agreed that the payment is due on the 15th each month. Not only do they change due dates on you causing additional charges, they charge you all kinds of fees for just making your payment.

Once I realized the unethical standards of this company, I asked them to cancel this card. It will be interesting to see if they actually do it. My advice: Stay away from this company.

I applied for this card on-line because it said that you could help re-build. This was suppose to be a card for people with less than perfect credit. The card arrived shortly after applying for it. I called and activated the card and was informed that my credit limit was not $300.00 but actually $50.00. The majority of the funds would go to a one time set-up fee. Ok, I then used the card at the gas station. Before my first bill came, I made a payment on-line for the $50.00. I received confirmation that the payment was made. I got my bank statement and the payment was withdrawn from my checking account. One week later I got a bill from this credit card company. They were charging me $30.00 for a late fee. $30.00 for an overdraft fee. I then contacted the credit card company and spoke with a Mr. Naesh. I asked for a last name and a I.D. number. The gentleman stated that they do not go by I. D. #'s. I then explained to him that I made a payment. He then stated, that even though the payment was made on-line before my due date, he stated that the funds did not clear out of my bank account in time. I advised him that it did and that I would fax over proof. They gave me a fax number and I faxed over the proof of my payment. I called back to confirm that my fax received and I spoke with a Ms. Washington. She advised me that she didn't see any notes in the system that I had a conversation with Mr. Naesh. She stated that my new balance that I owed was $408.16. I told her that there was no way that I would be paying that because I made a payment for what I used off the card before the bill was even due. She also stated that well intrest will accure on the account and that the account would be turned over to collections. I advised her that I faxed over proof of the payment and I can fax it over again. The bottom line is, this company is a scam. Not only do they hurt your credit more, but they also take the money that you pay and then state that you never paid. I had to contact my bank to have a stop payment put on my account, which cost me money. This compnay is not about helping you in any type of way. They are here to make whatever kind of money they can from consumers that are trying to get their credit on track.