Consumer complaint received 2023-12-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote in to request that Barclays/AAdvantage Aviator Red Mastercard reach back out to the credit bureaus to notify them that the recent 30 days past due status of my account was reported in error for 4 main reasons : First, the initial charge was made by XXXX of {$17.00} using this card as a backup to my primary card. In conversations on XX/XX/, a representative of AA  related to the XXXX charge told me that there was some sort of error processing this charge to my primary card, so the charge went through my XXXX XXXX to charge this card because it was somehow associated with the business ecosystem of the card. They informed me that they do not know what the error with my XXXX card ( my primary card ) was and can not explain, but they are happy to move the charge over to that card. I explained to them that the damage had already been done and that this had caused a very grave impact to my credit score. They told me to let them know how they could help. Please let me know if you would be willing to speak with XXXX XXXX. 

Second, because I was unaware of the charge being made to this card, I didnt make any attempts to pay the amount, but as a backup measure, I felt assured that my auto-pay function would pay off any charges that did happen to hit my account including perhaps random fees or errors. In my initial conversation with representatives about this issue, I was told that they could not figure out when I called in to set up my auto-pay because they could only see an online payment for my first card payment. I went through my phone records and found what I believe to be the call where I set up autopay on XX/XX/XXXX 

Third, given that autopay was either not completely set up or not set up at all, no payment was made. Over the next 30 days, I do not believe any attempts were made to contact me. In my phone records which I sent them, one can clearly see there are no calls made from the number I was told by the Barclays agent that I would have received a call from ( number here ). Furthermore, I was also told that my e-mail address had been mistyped by Barclays representatives as XXXX instead of the correct XXXX, so any email notification that was sent was ultimately sent to the wrong address. I did previously receive many marketing emails to the correct email address as late as XX/XX/ and now that my email address has been corrected, I am again receiving updates, but for the critical period in question, I received no account-related updates. 

Had these errors not been made OR had a notification been sent to my phone or any kind of text message, I would have known the charge had been made and not paid. 

Fourth, upon finding out that this money was unpaid through a flag in a credit monitoring app ( XXXX XXXX ), I paid it within 3 minutes, hoping that both Barclays and the credit bureaus could see that this was all related to errors as opposed to non-payment, however apparently I was too late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation