Hi All
My mortgage lender is U.S. bank. I made a payment by phone which is almost impossible these days due to high call volume. I have two checking accounts on file with U.S. bank to apply my payments to. Unfortunately there was a mistake made and it was pulled from the worng account and I in my haste after being on hold with them and transfered for 1.5 hours accidently approved the payment from the wrong account. Unfortunately it did not clear the wrong account and was sent back insufficient. I received the notice and cleared up the problem but it is still considered late.
Since then, I have been sick about this. I have worked so hard to bring my score up from the 500s to a score of 704 without a late payment in over 1.5 years. That payment which was only once and with the same bank ( Just so happens that payment was considered late also because of high call volume and missing the time deadline). Other than that I have not been late on any creditor payments for over 2.5 years.
I called U.S. bank and was told to write a dispute letter to the Default reporting department and fax it to 216-475-7329. I asked if there was someone I could speak with there and was told no. I was told to write an email to the same dept. if I wanted to possibly receive some of type of correspondance.
I want to get this resolved prior to it hitting my report next month but not sure of the best way to proceed with this department. I thought I would ask the group for advice before approaching this with next steps. Please let me know what all of you think.
Thanks Much,
Hope
