I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies. 
