I would call and call and call and then call some more until someone changed it.
I always pay at least double my minimum payment the minute my statement is cut, this prevents this issue. I then go in and pay the balance before its due date to prevent interest. I know it does not help your situation, but $100 would have prevented this mess.
Good luck!
All have provided great advice. I've personally not had any experience with goodwill campaigns. Other's who have with C1 particularly will likely have better advice. But I have 4 accounts with C1 and when (if it works for you) I threatened to close an account over a concern (not a late) they were amenable base on my past payment history and age of accounts. So I suggest the goodwill campaign, but maybe also a continued pursuit of trying to get to the right person, with the threat of closing if your history supports it, could have a positive result. Keep trying all avenues.
All profiles are different and I've read here a cleaner profile with age, thickness and high scores may have a more devastating affect with a single late than those that don't have those characteristics. Sounds like this may apply to you? I can personally attest to a single 30D at 6Y+ age having a 24 -50 pt affect on my scores across the 3B's. That's the gain I received when they were removed, 24 at 6Y10M, 50 at 6Y1M (TU). So although the affect may decrease, it could still be significant. But the 1B (EX) that held on to that late the longest, before it was removed, other negative impacts (higher UTL crossing thresholds, greater # of accts reporting, INQ, new acct) didn't have as great of an impact as the other 2 clean files. All that to say, the cleaner, the higher the score, the worst a slip up like this may hurt.
@Anonymous wrote:Just be aware, there have been stories here of people who called and threatened CapOne with account closure, and the accounts were closed right on the spot, faster than they could react. Whether it was a valid closure or the CSR misinterpreted the threat as a request I have no idea. But CapOne will close an account, and they can do it very fast.
Just something to keep in mind - be sure you're careful in your wording when talking to them if you do elect to use the threat of closure.
Was not my experience many many years ago. But if this is a known thing, then I agree, be careful with your language.