@Anonymous wrote:The creditor was Fifth Third Bank. I've had various accounts with them since 2008. This particular account was on a Fifth Third credit card that I've had opened for about 3 years. It's a card I rarely used, sans a few times. It simply wasn't on my radar and I take ownership of that. Trust me when I say I went all the way up the chain of command, to the lead manager of the call center to plead my case. They listened to the tapes of a conversation I had with a customer service agent on the day that I thought it was paid. In their eyes, there wasn't enough evidence to show any wrong doing on their part. To make a long story short, I missed a payment on it by a few days (again it wasn't a primary card on my radar, I own that). I called the call center and politely apologized. They reversed the late payment penalty as a courtesy (but the minimum payment was still due). At the same time, I was mistaken that he also processed the minimum payment that was due. He did not, because apparently I didn't ask him to. About 5 days after the 30 day late point, I paid the card off in full, thinking I wiped my hands clean of it, not knowing I was late!. Flash foward two months later, I was out shopping for a car and I was being presented with pretty crappy financing terms (which I thought was strange) so I decided to run my credit and bam...that's when I discovered the issue.
Someone suggested creditkarma.com? Otherwise thanks for all the awesome feedback!
Thanks for the details. This is another case where I suggest people only work with a CSR on one topic at a time. Get that topic figured out, then hang up and deal with another topic. They like getting a lot of calls, that take only a few minutes to solve, because it helps their metrics. As a result, they tend to be focused on "what is the one thing this customer wants?" and try to hang up after that.
As suggested, recommended that everyone have autopayment set up on all cards for at least the minimum payment, and let the card company determine Minimum Payment for any given month. And verify the first few times it should be triggered that it is working. And verify the bank account you are using has cash available. And check your statements periodically. And go on line to check the on line account.
