Continental Finance Company, LLC Credit Card Complaint

Continental Finance Company, LLC Credit card department,

Late fee Indiana

Dear Sir : My Credit Card company ( Continental Finance Company, " - '' ) imposed a late fee on - -, 2016 of $35.00, which I dispute. The reason I am disputing this late charge is that the Credit Card company failed to properly process on on-line payment of $510.00 from my bank account, and thereafter failed to notify me of any such payment problem until after the late charge was imposed. This payment was made through the Credit Card company 's on-line payment system on - -, and I received an e-mail verification confirming the payment. This payment should have brought the credit card balance to $0.00. On - -, 2016 ( 26 days later ) I attempted to use the card, unsuccessfully. When I called the Credit Card company to investigate, I learned that the Credit Card company reversed the on-line payment as a " returned check '' on - -. However, in contacting my Bank


I then contacted the Credit Card company further on - -, 2016 and spent perhaps 90 minutes on the phone on this matter. First, I once again furnished my bank account information and they immediately processed a payment for $510.00, so that there would be no outstanding payment issue. Second, I requested that the $35.00 late fee be reversed, in view of the evidence that I in fact had made a payment to them on - -. The Credit Card company has refused to reverse this charge, which I am now disputing. I then asked for evidence of the " returned check '' event on - - so that I could ascertain what the problem was. The Credit Card company refused to provide this information, " for security purposes. '' The conversations on - - were with " - '' ( a customer service agent, who was polite and pleasant ) and with - - ( a supervisor, who was somewhat more difficult - derisive and belittling ). On - -, 2016 I followed up again with the Credit Card company, this time speaking with a supervisor by the name of - -. - - similarly refused to reverse the late charge, making the statement that it " had to have been my fault '' that the payment was not processed correctly, but similarly refused to provide any evidence of the - - " returned check '' transaction on which they are basing the late charge. Somewhat bizarrely, - - then stated that because this was on on-line payment through their website " we have nothing to do with that. '' When I inquired how I could have corrected this payment issue, - - did state that a Notice that my account had been " revoked '' was sent to me on - -, although no such Notice was ever received and - - similarly declined to furnish a copy of that Notice as well. From my perspective, a payment of $510.00 was properly made through the Credit Card company 's on line system, and verification of the payment was received. The Credit Card company now states that the payment from my bank was somehow declined on - -, but refused to provide any evidence of that. No notice was ever received of any payment problem, until I learned on my own of an issue on - -. The late charge was imposed on - -. I thank you in advance for your assistance.