Hardship Program Completed

[u/chy-t-latte]

Back in June, I enrolled in a 3-month payment plan where they said "If you make all 3 monthly plan payments on time, your plan will be complete and your account will be current." I completed the plan in September, and a week later, received a "congrats!" email, and even a "back on track/current" email from CreditKarma.

Within 24-48 hours of these emails, the account status was past due again. I still have no idea why. But on their site, they offered a 12 month program that massively cut the APR, so I took it because honestly it would help. Anyway, now my credit report keeps saying that my payments are late and maybe this can be disputed (per capital one rep), but it doesn't explain why the account itself is past due again when it said it would be made current after the 3 months? I know for the 12-month plan, it wouldn't be current until that's over so Idk if that screwed up the status of completing the 3 month plan. It's odd because looking at the statements, September is good and October was back to bad. I don't use this card anymore as I'm just trying to pay it off. Customer service always seems to be just as confused as I am. Sorry if I'm also confusing you, I'm trying to figure out if i need to make this (large) extra payment.

[u/Ok_Asparagus_3126]

Did you have any usage during the hardship period? If so, you may have had to make another payment.