I set up automatic bill pay threw Chase, for a Wells Fargo account I owe and since it has started they have reported me to the credit bureau 1 time as 30-60 days late because of fees and charged me two times for late fees. The payments were sent by from my acount at Chase bank, to their acounts on both occasions, before the due date, but were not processed by WF until after the due date, and fees were assessed. Each occasion the due date fell on a Sunday, and the most recent one was processed after Monday, Columbus day. My bank provided me the proof that the drafts were sent to the account, before the due date, and a statement which reads, it is not the fault of the customers if the process is hindered by ie, mail or bank processing speed. This has adversely affected my credit score/rating and I have had to pay additional fees. I have contacted WF and requested an analysis and have agreed to have the bill be set up through their bank.
Do I have any ground regarding the credit report dispute and late fee recovery?