I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. '' 
