Quick background - I ended up in the hospital for a long period of time last year, during which I became 90 days late on my Milestone Card. Never was late before, once I realized what happened I quickly got it current and haven't made a late payment in the year since.
The 90 day late is ruining our ability to get a loaf of bread so I've been trying to send goodwills and make phone calls on it...but I can't figure out who I'm actually dealing with?
I first called Milestone's main customer service line -completely unhelpful. I then looked at my agreement and tried Mid-America Banking and Trust, the only name on the credit card agreement I signed to get the card. After a lot of run around I was told to talk to Genesis Financial (?) who? who then denied my request to remove the late payment. I had never heard of them and they aren't listed on my credit report - so how can they have the authority to make decisions about my account?
Any insight into if this is something I can/should pursue or how to get Genesis/Milestone/Mid-America to help?
