Consumer complaint: I am writing in hopes of clearing up a serious error currently listed on my credit report. 
On XXXX XXXX, I received a letter regarding a Master Card Account ( XXXX through Best Buy, now with CBNA ). The letter stated that I was seriously delinquent ( 90 days+ ) on payment for an annual fee for this card. Believing this to be an error, as the card had, to my knowledge, been closed for some time, and this was the very first correspondence I had received on this matter, I immediately contacted their customer service division. Things went immediately from bad to worse. According to them, not only was I past due ( now to the tune of {$190.00} with interest and penalties ), they had reported this to the Credit Bureaus after ( according to them ) several attempts to contact me. INSISTING that this letter I received on XX/XX/XXXX was the very first letter I had EVER received, customer service then told me that all prior correspondence had been sent by e-mail. When I asked what e-mail address they had on file, they indicated it was XXXXXXXXXXXX the e-mail address which was closed upon my resignation from my job in NJ back in XXXX 2011. Over and over again, they insisted that not only did they send the notices to this address, but I had CONFIRMED this to be my address within the past year. At that point, I demanded to speak with a manager. The manager, while confirming that the e-mail address had not been functional for nearly XXXX years, and that it was, in fact, IMPOSSIBLE for me to have confirmed a non-existent e-mail address with my former employer, then told me that there was nothing they could do about the past due fees, nor about the negative reports to the Credit Bureaus. At that point, I requested a call back from their supervisor. 
On XXXX XXXX, I received a call from a manager ( XXXX ) who, finally, began to understand everything that was going on. Not only did he waive ALL past due fees, including penalties and interest charges, but he indicated that he would have a letter sent to the Credit Bureaus clarifying that this never should have been reported. Additionally, he requested that ALL personnel involved with the conversations and correspondence with me be " re-trained '', as he was clearly embarrassed by their actions, and sincerely apologetic for everything that had transpired. As I told him, my concern was not the {$190.00}. My concern was the mark ( s ) now on my Credit Report ( s ). Today, we received a letter from CBNA acknowleding that they absolved me of the annual fee, but will not change the information reported to the credit agencies. Hence, a 90 day delinquency remains on my report. 
As you can clearly see on ALL of my Credit Report ( s ), NOT XXXX, in seven years of reporting, is there even XXXX late or missed payment. None. XXXX. My wife and I have worked tirelessly to maintain good standing with the Credit Bureaus. Granted, our debt-to- income ratio is higher than we 'd like it to be, but that it due to my spouse being out of work for the past year. But even with that circumstance, we have never, nor would we ever, be delinquent with a payment. Under NO circumstances. But ESPECIALLY for a {$59.00} annual fee?!? Jeopardize our ability to get a mortgage next year, with a XXXX son with us now?!? Never. 
I am seeking your assistance, your humanity, and your kindness with getting this matter resolved ASAP. My credit score has plummeted due to this mistake, and I am beyond scared about the impact it will have on our ability to secure a good mortgage in the next XXXX to 12 months. If you have any questions or require any additional information, I can be reached at ( XXXX ) XXXX or by e-mail at XXXXXXXXXXXX. Thank you in advance for your anticipated assistance with this very, very serious matter. 
Respectfully submitted, XXXX XXXX 

Company response: Company chooses not to provide a public response