I would keep being persistent with calling and sending letters. It just takes getting in contact with the right person. I did this with another lender that sent a 30 day late to my credit report. I keep bugging them till eventually one of the customer service reps escalated it and got it removed. Not all banks will do this however. Discover is not as tough as some of the others so you might have a chance.
Seen this so many times. I have nothing but utilities on auto pay. I got the same thing yrs ago when it came out. Its 2 fold. Dont trust it and you should have checked it went thru. Plus Disco sends emails and texts if you have them set up for certain alerts. Check them all if you continue to use auto pay. They're not one who lets things go without letting you know you were late before the 30 day hit.
