During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*