Goodwill Adjustment Request - Late Payment Due to Autopay / Bank Technical Failure

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] DOB: [CLIENT DOB] | SSN (Last 4): [CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: GOODWILL REQUEST - AUTOPAY TECHNICAL ERROR ADJUSTMENT - Account #[ACCOUNT ACCOUNT NUMBER MASKED] Dear Customer Service Management, I am writing regarding an isolated late payment reported on my account #[ACCOUNT ACCOUNT NUMBER MASKED] for [ACCOUNT LATE DATES]. I had established automatic recurring payments (Autopay) to ensure timely payments. However, during [HARDSHIP DATES], an unexpected banking transition / administrative autopay failure occurred ([HARDSHIP REASON]), resulting in the payment not processing as scheduled. As soon as I discovered the processing failure, I immediately submitted the full payment manually and re-established active autopay instructions. Because I maintained sufficient funds and intended to make timely payment, this isolated occurrence was a technical administrative failure rather than intentional delinquency. I respectfully request a goodwill deletion of the late payment notation for [ACCOUNT LATE DATES] from Equifax, Experian, and TransUnion. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]