US Bank 30 day

[Smashthis]

My dilema:

 

I have an auto loan with US Bank originated in 2010, refinanced with them in 2011, have been current with all payments. I always make my payment on 21st of every month, due date 22nd; but I suffered some tramatic events in 2013 and some how got behind a payment but not technically 30 days let, since I make my payments one day before the due date, The 22nd. I made a payment on 12/21/2013 via my ipad. There was a data entry problem, US Bank tried to process the payment and was rejected for invalid account number. I was notified by US Bank and I immediately made the payment. A week later I received a letter from US Bank stating I owed two months of payments. I called into the customer resolutions specialist, and made another payment was current at this point (jan 2014) and requested a removal of the 30 day late. I was repeatedly told no, since the payment was late in their view, the payment wasn't able to be processed and this is consituted as a late payment. I have proof that the payment was made before the 30 day mark. Furthermore, I am now longer behind a payment. I am fully caught up. I have sent in a Goodwill letter with no response.

 

Does anyone have any guidance? Dispute with CRA by supplying a copy of the payment conforimation. I am trying to purchase a home this summer and I have a feeling this is going to hold me back.

 

[cv91915]

Have you actually seen the late reported on your credit reports?

[shifter]

There was a data entry problem, US Bank tried to process the payment and was rejected for invalid account number.

so you're basically saying that you entered the wrong account information on the payment screen?

 

if that's the case, it's not their fault and your payment confirmation isn't any sort of proof.

 

GW is your only option.

 

if one of their CSRs entered or used the wrong account info, that's a different story.