Over the period of several months I did have financial difficulty in making payments on my Milestone Card but I did attempt to make several payments with an agent. During this time, it appears the agent captured the incorrect routing number or account number when I made the payments which resulted in late fees. I called Milestone on XXXX to make a payment as the account was past due and the agent assured me there would be no negative credit reporting by making the payment that day, which was a lie. I recently became aware there was late payments reported to the credit bureau despite my attempts to make payments on XXXX and prior. In addition, the agent did not capture the correct account information to take the initial payments. This negative credit reporting has caused me to be declined for a mortgage and I lost {$500.00} paying for an appraisal.