Is it possible to get a Kohls 30 day late payment removed?

[JasonBourneOfCredit]

I HAD good credit, until Kohls struck me for being 2 days late. (To clarify, I guess it was 2 days outside their final pay date.)

They attacked me with a 30 day late and now the account is totally paid off. How can I get this sucker removed?? Are they likely to work with me?

thanks

[DaBears]

You can send a GW letter to the bank that issues the Kohl's credit cards and ask. How old is the 30 day late?

[Jaxavier]

2 days or 32 days late?

They cannot report you 30 days late if you paid on the 17th when your bill was due on ther 15th.

[JasonBourneOfCredit]

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@DaBears wrote:

You can send a GW letter to the bank that issues the Kohl's credit cards and ask. How old is the 30 day late?

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This is all from January. Apparently they have no "grace period". The thing is, they called me one day for payment and I explained I had just made the payment earlier that same day and she said ok its all good then. Then I get the 30 day. It's fully paid off now and their card has been destroyed. I will never shop there again.

[DaBears]

Who is the bank? If it posted to your account on the due date they can not list 30 days late

[JasonBourneOfCredit]

On my credit, it says "kohls/capone"

[Leadberry]

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@JasonBourneOfCredit wrote:

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@DaBears wrote:

You can send a GW letter to the bank that issues the Kohl's credit cards and ask. How old is the 30 day late?

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This is all from January. Apparently they have no "grace period". The thing is, they called me one day for payment and I explained I had just made the payment earlier that same day and she said ok its all good then. Then I get the 30 day. It's fully paid off now and their card has been destroyed. I will never shop there again.

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You're failing to answer the most important question here:  what was the actual payment due date, and when did you send the payment?  If there is a time period of less than thirty days between the two, they can't mark you as being 30 days late.

Furthermore, Capital One is the servicer of Kohl's charge accounts.  I wouldn't really blame Kohl's for how Capital One is handling this.

[JasonBourneOfCredit]

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@Leadberry wrote:

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@JasonBourneOfCredit wrote:

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@DaBears wrote:

You can send a GW letter to the bank that issues the Kohl's credit cards and ask. How old is the 30 day late?

---

This is all from January. Apparently they have no "grace period". The thing is, they called me one day for payment and I explained I had just made the payment earlier that same day and she said ok its all good then. Then I get the 30 day. It's fully paid off now and their card has been destroyed. I will never shop there again.

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You're failing to answer the most important question here:  what was the actual payment due date, and when did you send the payment?  If there is a time period of less than thirty days between the two, they can't mark you as being 30 days late.

Furthermore, Capital One is the servicer of Kohl's charge accounts.  I wouldn't really blame Kohl's for how Capital One is handling this.

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Yes. 6 days late according to Kohls. Due 18th of Jan, paid 24th. I just called and explained my situation and the guy forwarded my request to corporate (all his idea) and said they will probably adjust it off!!!!  Fingers crossed. He says I should get a letter early next wk of their decision.

[Leadberry]

Good luck, and keep us posted!  If they fail to do anything, there are other routes you can take.  Just let us know.

[JasonBourneOfCredit]

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@Leadberry wrote:

Good luck, and keep us posted!  If they fail to do anything, there are other routes you can take.  Just let us know.

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No prob. I'm dying to know the outcome.. considering calling back and asking if there's any word.