Sorry to hear about this. I would suggest your DH go to the bank and discuss this problem with one of the higher up's.
Some times a face to face conversation is better then a phone call.
A helpful tip..
Go into the bank once or so a month,instead of the drive-thu.Get to know the employees at the bank,even the VP and /or the pres.
Know the bank employees by name.So when you need something or help with a problem, you already have a bond with them.
Over the years, I've found it's easier to deal with people that you have a bond with, even a small one
If you dont get satisfaction through the informal route, then the next step is to file a direct dispute with them under FCRA 623(a)(8), placing them under a 30-day statutory period to investigate the inaccuracy and report back to you.
The good news is that FICO scoring has no memory, so as soon as the late is removed your score will return to where it was previously, assuming that nothing else has changed on your CR.