Capital One Consumer Loan Complaint

Capital One Consumer loan department,

Vehicle loan Managing the loan or lease Wisconsin

In - of 2014 our automatic payment to Capital One Auto Finance was declined by our bank because of insufficient funds. We completely were blissfully unaware. We did n't receive notice from them ( Cap One ) - but to be fair, we are paperless. So our regular - payment was actually applied to -. Then - to - and so on. We went along like this until - when we were denied a mortgage refinance. We rectified the mistake, but still have -, 30-day late consecutive payments. We do n't think this is reflective of our credit-worthiness as we were unaware that our payments were late. They made no contact with us. We submitted a letter requesting a goodwill removal on our credit reports, but we were denied because the reporting was accurate. However, without notice, we were compunding a simple error into an overwhelming -. Please advise.