Consumer complaint received 2016-03-29
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX, I set up payment arrangements with Barclays XXXX XXXX XXXX ( now AAdvantage ( R ) Aviator Red XXXX ( R ) ) ( XXXX ) to draft {$100.00} ( {$39.00} more than what was required ) on the XXXX of each month starting on XXXX XXXX, XXXX. The drafts have been successfully taken out since then. However, when I read my credit report it stated that I have late payments from XXXX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I called XXXX to inquire and talked to XXXX people XXXX supervisors and representatives in the customer care and collections department ), all of them said that they could not change my payment due date to the draft date. I asked them why the collections representative did not disclose that my payment due date XXXX XXXX of each month ) would not change to the draft due date XXXX XXXX of each month ). They replied they do n't know why it was n't disclosed and that they could n't change my payment due date from the XXXX to the XXXX of each month. I said my credit score is affected by AAdvantage ( R ) Aviator Red XXXX XXXX XXXX XXXX because they never told me that my payment due date would not change. After talking to XXXX more people that said the same thing ( they can not change my payment due date to my draft date ) I came up with a common sense conclusion, change my draft date to the XXXX of each month to make sure the funds are collected by the XXXX of each month. ) They were able to change my draft date but I am puzzled to know why they could n't change my payment due date. 

I am reporting AAdvantage ( R ) Aviator Red XXXX ( R ) ( XXXX ) for XXXX reasons. Firstly, XXXX took advantage of me setting up payment arrangements. They did not disclose to me that my payment due date XXXX the XXXX of every month XXXX would remain the same even though I asked the representative to change my payment/draft date to the XXXX of each month XXXX when I receive pay ). Secondly, I am also reporting XXXX because they are responsible for the penalties of the late payments on my credit report. The first representative admitted that it was the fault of AAARM because they did not change my payment due date. Thirdly, I am reporting XXXX because I find it inconsiderate and incompetent that AAARM can not change a payment due date on a consumers credit card. I have XXXX alternate credit cards in which I pay on time and at least twice a month to pay more on my cards. All of these cards are considerate enough to offer consumers a change due date option. It bewilders me that XXXX does not offer the same option. 

I ask the customer care and collections department to send me a letter admitting their fault to my late penalties on my credit report. After talking to XXXX representatives and XXXX supervisors, the last supervisor said he would have it faxed in a few hours. That few hours turned into 24 hours and a phone call from a manager that called me to make sure she could even fax the letter. After I was told I would receive a letter to send to the Credit Bureau within a few hours, I find myself retelling the story to a manager to see if she could write the letter for legal reasons. 

I am disappointed to know that I am taking the correct steps to pay a creditor only to find out they are irresponsibly taking my money monthly and affecting my credit score.

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 non-monetary relief