Complaint Review: Continental Finance

I received a credit card from Continental Finance for a Verve card.  I sign it and returned it.  I got the card.  I have been making my payments on time, but according to Continental Finance, they did not received it by the due date. 

I am on Social Security and do not received my pay until 3rd of month.  I make my payments on the 5th but they stated they did not get the payment before the 8th.  I have never, until January 18, 2015, received any form of a letter stating I had not make a payment for January.  I paid the bill by bill pay at my bank. They stated they did not get the payment by the 8th.  I paid it on 5 January but they stated they did not get it on time.

On January 18, 2015, I received a letter from Continental Finance that I had not made my payment for January.  I made the payment on the 5th by bill pay at my bank, but they did not received the payment until January 11th, They stated that there was a late for of $25.00 and an overage fee because I did not sent a full payment.  They want me to pay $68.00 plus $10.99 for using Western Union.

I cannot be responsible for when they receive payments.  I sent the payment before the 8th,  I still do not know why I need to make a $68.00 payment to them.  They took out the late fee of $25.00, but what is causing the payment to be $68.00?  if there was only a fee of being late and an overage fee for the $4.00 I did not send, where are the charges coming from?  They could not give my an answer to that question.

If you need more information, please call me and I will attempt to make this clearer to you.

Thank you

Sara Sandidge

(((Redacted)))

Tucson, AZ (((Redacted)))

I do not have the full account #, only the last four which are 4451