U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Customer service / Customer relations Washington

I 've had a Fidelity Investment Reward - - card for several years. - - - was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old - - card and issued a new -, which I did n't receive until - due to travel. But in -, during the transition, an automatic charge was processed through -. Before the automatic payment was made, the account was converted to - and Elan cancelled existing automatic payments. Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their -!