Warning: Ignored a small fee on my credit card for 3 months at a local bank in Portland

Last fall I got a $2 monthly statement fee on my credit card from US Bank in Portland. I figured it was nothing, just a tiny charge, so I ignored it for 3 months straight. Turns out that fee triggered a late payment mark on my credit report because they counted it as an unpaid balance. My credit score dropped 40 points for something I could have fixed in 5 minutes online. I called them last week to dispute it, and they reversed the fees but said the credit hit stays for 12 months. Has anyone else gotten burned by small bank fees like this and managed to get them removed from their report?

2 comments

2 Comments

jessicamiller18h ago

That 40 point drop for a $2 mistake is brutal. Did you try filing a goodwill letter or a CFPB complaint to push for the credit removal, or did they just shut you down on the phone?

sandra71516h ago

A goodwill letter worked for me, @jessicamiller, especially since I’d paid late once before.