PC Financial reports 73 cents as late payment
So I'm usually pretty good at paying off all my credit card accounts and LOCs in full monthly. I have/had a pretty good credit score (over 850) for the longest time. Scroll forward to a couple of months ago when I fully discharged (or at least I thought it was) my President's Choice Financial LOC (40k limit). What appears to have transpired is that I had accrued 73 cents interest subsequent to this which put the account in negative balance. It's an account that I very seldom use so of course I completely neglected to double check any statements I may have received.
Yesterday I received an equifax alert of a credit score downgrade. Yep, PCF reported a $1 (I assume minimum amt) 30 day overdue balance which I suspect wiped off 80 points off my credit score.
I instantly called PCF to clarify and indeed there was 73 cents outstanding on the 40k LOC. I did receive a statement but alas by my own silly omission did not check. I immediately escalated to a supervisor but no go, they cannot remove the late payment report as technically it is accurate. No goodwill there (or perhaps no technical way of reversing this?).
I fully concede that I should've checked up but at the same time this is a 12 year old account in good standing and I did not receive a single phone call or alert that it was in arrears which would've been the nice thing to do before reporting it.
Has anyone been in this kind of situation and have you managed to get it resolved? I'm thinking of escalating this to their Office of the President but I'm not able to find information on what that process is.
Apologies for the vent.