Paid Off My Credit Card Balance With A $2,100 Cashiers Check Mailed From My Bank And Credit Card Company Lost The Check.

Hello, Pretty much the title. I live in California and I had my Oregon based credit union mail a cashier's check to credit card to pay off a high interest balance. Card company (starts with a D) credited the balance initially and then canceled the credit, gave me a late fee and added a large interest charge. My credit score also dropped over 30 points from excellent to good because I appear to have this debt added to my credit.

Credit company wrote me an email stating "We have recently been notified that your payment in the amount of $2,100.00 was returned unpaid to us. Since this payment was returned by your bank we recommend you reach out to them if you would like additional information."

I contacted my bank and they said the check is still pending and that the check could not have been returned because it's a cashier's check.

So I filed a missing payment dispute with credit card company and uploaded all my documents showing that I sent the check, that it was debited from my account. All the evidence I have. I also included a letter stating all the facts and the timeline of the incident.

Now credit card sent me another letter saying they need images of the check and proof that the check cleared at my bank. The check did not clear because they lost it and never deposited it. My bank says they can't just issue another check because it's a cashiers check. They can file a lost cashier's check report, but credit card company would also have to fill out paper work from my bank and my bank was like, good luck with that!

So, I'm stuck and I don't want to lose this $2,100 credit. I've been told I'm not required to reissue the check, but I'm not sure and I just want this balance to go away. What a pain in the A. I thought I was doing something to help my finances and this has turned into a nightmare.

Any insights would be appreciated. Hopefully I can make this credit card company eat my shorts.