Capital One Consumer Loan Complaint

Capital One Consumer Loan department,

Installment loan Managing the loan or lease California

I did not realize I was late on a payment to Capital One/Neiman Marcus - and they finally called me to inform me. I paid the account in full on during the call. They said there would be no negative credit bureau action. But a few months later, they did mark my credit report with a late payment. I called - customer service to inform them they went back on their promise ( if I paid in full, no negative mark ). Because of that second phone call, they marked my credit report with " dispute. '' That is now a problem with my mortgage lender. How is it that if a consumer just makes a phone call to check what happened - their credit report is marked as an official " dispute ''? And that " dispute '' is seen as a bad thing, with the consumer assumed guilty? How am I to exercise my rights, if by just asking a question, I am penalized on my credit report?