I have a Wayfair credit account managed by Genesis FS. After moving, they froze my account for “fraud protection” and told me I needed to mail in my ID to unfreeze it. Since I’m busy with school and work, I didn’t want to deal with that, but my account was on autopay.
A few months later, my bank account was compromised, and I had to change my debit and account number. I forgot about the Wayfair account, so the autopay didn’t go through. I didn’t get any emails or calls about this, and now I see a 30-day late payment on my credit report.
I called them, and they said they’d request to reverse the late payment. I also disputed it, but they said it was accurate. What should I do now?