An unfortunate flop with BOFA led to a single late payment- Advices?

[Anonymous]

Hey everyone

I have been a holder of BOFA CC since 2011, a "preferred client" as they said but two months ago, we hit an unexpected snag

- I asked to replace my CC because of one suspicious activity.

- The established auto-payment did not work. Called and was told that replacing cards voids auto-payment.

- Established auto-payment later.

- Got so busy with some exams. Out of the blue, my credit monitoring site sent me an alert about a late payment posted by BOFA.

- Looked up and it was 30 days late fee, I immediately paid the balance.

- Called to know that Auto-pay takes two payment cycles.

Among all that confusion, my score dropped by a whopping 90 points, and I have a late payment stigma on my report. I asked to remove it but nothing yet.

This is very unfortunate since I am applying for a job and a credit check may not be a good sign, not to mention anything else in the future. I have other cards, never late on my payments.

Here is a photo of my payment history

http://share.pho.to/AhB4H

Any advice how to resolve this misfortunate situation?

Thanks

[RobertEG]

Did you pay after it became late, but before the period of delinqency reached 30 days after the due date?

Paying late does not become reportable to a CRA until it has been late for at least 30 days.

[Anonymous]

paid after 30 days, unfortunately 

[Anonymous]

Call the EO on Monday.  If they refuse, file with the BBB because the EO takes those complaints very seriously.

it's ridiculous that an autopay gets canceled because of a card number change, and more ridiculous that they take 2 statements to start autopaying.  I'd complain with BBB if they don't fix it with immediacy -- that way, other consumers who pay attention to the BBB will be warned.

[Anonymous]

"

Call the EO on Monday.  If they refuse, file with the BBB because the EO takes those complaints very seriously.

it's ridiculous that an autopay gets canceled because of a card number change, and more ridiculous that they take 2 statements to start autopaying.  I'd complain with BBB if they don't fix it with immediacy -- that way, other consumers who pay attention to the BBB will be warned."

"

Thanks for taking the time

How to reach the Executive Office? I could google CEO email, and that's it

[Anonymous]

I would first write down your story for your own purposes including any positive facts.  "I've been with Bank of America since..." -- just single line statements.  You don't want to come off as angry, you want to come off as literally STUNNED that you have a relationship with them but they don't have a relationship with you.  No phone call warnings, no mention of the autopay not taking effect until 2 months by the CSRs, etc.  You're not mad, you're flabbergasted.

Do not threaten BBB with anyone.  Email the EO Monday morning, then give them a ring.  

I have no idea if these numbers are correct but try them all: https://consumerist.com/2008/10/07/reach-bank-of-america-executive-customer-relations/

Write down the name of everyone you talk to and a small note as to what they said.  Tell them you are going to be applying for new jobs soon and this negative note may have a lasting effect on your job options.

[Anonymous]

Thanks 

The info in the link is outdated, the CEO has changed

This one looks more relevant, I will email two of the executives

http://elliott.org/company-contacts/bank-of-america/

[Anonymous]

So I wrote to EO twice, got repeated calls from an office called "Credit reporting resolution team" but they usually called in absurd times and I could not pick up. I left many VM to my caller but she never called back.

It has been 10 days since last call and nothing happened since; I am so disappointed.

Any advice on next steps?