I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.