Vericrest Financial Vericrest Citi Group Loan Payoff Amount was $351.00 and 2 months later they added $506.00 in late charges!! Payments were NOT late! Dallas, Texas

May 3, 2012 I logged into Vericrest online and requested a payoff amount.  May 17, 2012 I recieved a letter from Vericrest with a payoff amount of $ 351.00 and no other charges. I have 4 canceled checks showing that they have all been processed in amount of $124.00 each.  These payments were cashed on the following dates:  May 21, 2012, June 6, July 20 and Aug 21, 2012.

July 21, 2012 statement reflects no payment in June and 2 payments on July 20, 2012 with $124.00 late fee. August 21/2012 statements reflects no payment on July 31 however there were 2 payments for August 21, 2012 and another late fee in the amount of $124.00.

Total late fees are now $457.00  for 3 months.  This is a scam, I have never been late, this does not make sense, my pay off was $ 351.00 on May 17, 2012 and with 4 payments of 496.00 they owe me money, $145.00.  I have called, emailed and written to them.  How do I get this issue resolved?  They continue to add 124.00 every month to this loan calling it late fees however there was no late fees as of May 17, 2012.