I have a credit card account with Bank of America that has been without a balance for more than 3 or 4 years - I do not even have an actual card having destroyed it several years ago. I keep this account active by paying an annual {$18.00} annual fee whenever I receive - by mail - the bill for this fee from Bank of America. 
In XX/XX/XXXX, I received an email from my credit monitoring company informing me that my credit score had changed. Upon checking this information on the credit monitoring web site I noted that my credit score had dropped from " Very Good '' ( XXXX XXXX to " Good '' XXXX XXXX XXXX. This change occurred " as of '' XX/XX/XXXX and was initiated because " ... BANK OF AMERICA has flagged your account as 30 Days Past Due. '' Here is a summary of the alert statusAlert Date XX/XX/XXXX XXXX Bank of AmericaPayment Status Not more than XXXX payments past due ( XXXX ) Status Date XX/XX/XXXX $ XXXX Date XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX immediately initiated payment of this fee ( plus a {$3.00} interest charge ) using my online banking service. I also contacted Bank of America by telephone in an attempt to have this corrected. I informed the operator that I did not receive in the mail any notice regarding this charge in the mail, that I had initiated payment and that I needed to talk with someone regarding the correction of my credit score status. She indicated that the notice was sent to my XXXX XXXX that I used during my last move XXXX. All mail sent to this XXXX XXXX is now forwarded to my actual address - and remains forward-able until XX/XX/XXXX In any case, I did not receive this bill - or any other notice via email or phone - from Bank of America regarding this fee. Unfortunately, the bank representative could not help me since I was in " arrears '' for this fee payment making this report to the credit agencies a valid action and she could do nothing fro me. I had the representative change my XXXX XXXX XXXX to my actual address for all further mail communication before ending the call. 
On XXXX XXXX, another email alert came from my credit monitoring service. Here is the summary of this alert : Alert Date XXXX XXXXCompany BANK OF AMERICAPayment Status 30 days past dueStatus Date N/ABalance $ 0.00Balance Date N/AAddress XXXX XXXX XXXX XXXX XXXX, XXXX XXXX that the second alert above indicates a zero balance showing that Bank of America has received my fee-plus-interest payment. 
Now I am wondering what recourse do I have to correct this. My credit history spans more than 40 years with zero derogatory information. I find it difficult to believe that missing a payment to cover an annual fee of {$18.00} can cause this much damage to someone 's credit profile. Is this normal? Certainly one can have this corrected easily, especially since the circumstances show absolutely no intent to defraud or mislead the credit-providing company by this consumer. Please help! 
