Complaints

This profile includes complaints for Together Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Together Credit Union

  423 Lynch St Saint Louis, MO 63118-1902

• 

  Together Credit Union

  3805 Union Rd Saint Louis, MO 63125-4320

• 

  Together Credit Union

  1075 N Lindbergh Blvd Florissant, MO 63031-4749

• 

  Together Credit Union

  6600 Chippewa St Saint Louis, MO 63109-2522

• 

  Together Credit Union

  12988 Tesson Ferry Rd Saint Louis, MO 63128-2961

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/05/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Together CU credit card was used online by someone I don't know on 05/05/2023. I called and disputed the charge. The credit union said for me to pay the disputed charge amount of $25.44 and within 30 days I would receive a credit back for that mount. It is almost two months later and I've made multiple calls. Each time I either get disconnected, or a rep says they are going to forward my information to the correct department. I am told I will receive a call back in one to to business days, but I have yet to receive a call.

  Business Response

  Date: 07/12/2023

  Dear Mr. *****,
  

  Thank you for bringing your concerns regarding your disputed
  credit card charge to our attention. I sincerely apologize for the delay and
  the frustrations you encountered in following up on your claim. I would like to
  provide an update on your specific dispute, as well as the steps we are taking
  to prevent similarly frustrating experiences for members filing charge dispute
  claims in the future.

  Regarding your open dispute: your claim has been received and our
  team is working closely with our dispute processing partner to resolve it. We
  have escalated the claim, requested expedited service, and we are following up
  frequently for updates. Once we have received the necessary information from
  our partner, we will issue a credit for the disputed charge of $25.44. We will
  contact you to confirm as soon as this is complete.

  Regarding the delay in receiving the credit: it is important to us
  that dispute claims are processed quickly and that you receive clear information
  about what to expect during that process, and we missed the mark here. We
  accept full responsibility for ensuring the level of service our members
  receive from any partners we use. We have a team working both internally and
  with the partner to streamline the process and provide the higher level of
  service that our members deserve.

  Again, thank you for your membership, and for taking the time to
  share your experience. Your feedback helps us improve the way we do business
  for all members. If you have any question about your open claim, please feel
  free to contact our fraud manager, ***** ********** ** ************* **** ****** For any other questions or concerns, you can reach me directly at *************************
  

  Sincerely,
  
  ***** ********
  ********* ********** *** ****** **********

• Initial Complaint

  Date:05/24/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was given a legitimate check so I deposited it they told me that the check would be put on hold until it cleared. 7 days went by and they released the check and they deposited the money into my account so first day I withdrew half of the amount of the check Everything was fine then a few days later I went to withdraw the other half of the check and then they blocked my account telling me that the check wasn’t released if the check wasn’t released they would have stopped the withdrawal then well now they won’t let me access my account and my money

  Business Response

  Date: 05/31/2023

  Dear Mr. ****,
  

  Thank you for bringing your concerns regarding the availability of
  your funds to our attention. I apologize for the confusion and frustration you
  experienced regarding this deposit. I would like to provide some additional
  context for the hold that was placed, along with an update on the status of the
  funds.
  

  When the check was initially brought in for deposit, our routine
  review indicated that terms printed on the back of the check stated that by
  depositing the funds you would be accepting a loan from a third party. The
  branch team member advised caution and contacting the sender of the check to
  confirm. My understanding is that you disagreed with this interpretation of the
  terms, and asked to proceed with the deposit.
  

  Further review from the branch manager and our fraud team
  confirmed that the terms of the check did indicate that accepting the funds would
  constitute acceptance of a loan that you did not appear to consent to. As a
  credit union, our primary mandate is to protect the funds of all our members,
  and to be an advocate for their financial well-being. Additionally, because
  checks of this type are also often associated with fraud, a hold was placed on
  the remaining funds to allow time for investigation to further protect your
  account.

  
  Per your request, the remaining funds from your check deposit were
  released on 5/25/23. At that time, our team again reviewed with you our
  understanding regarding the terms of the check and urged additional steps to
  protect your account.

  
  We are reviewing this situation with our branch team to ensure
  that we are providing clear and consistent communication regarding members’
  options and any steps taken to help protect the account in cases such as these.
  Again, thank you for your membership, and for taking the time to
  share your experience. If you have any further concerns or question about your account
  and funds availability, please contact your local branch manager, Rob Miller,
  at (636) 282-7030. For any other questions or concerns, you can also reach me
  directly at *************************
  

  Sincerely,
  
  ***** ********
  Financial Well-Being and Member Experience

• Initial Complaint

  Date:05/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My bank account information was stolen most likely from a gas pump. On 4/22/23. I spoke with the bank as soon as it happened (4/23/23)They would not and we’re unable to stop some of the fraudulent charges. My investigation with their fraud department was extended to 5/22/23. I tried to close the account to protect my credit and was told it was not possible until the negative balance was taken care of. Their solution was to freeze the account to prevent any more withdrawals to the account since they would not close the account. I was charged anyway and seem to keep going further negative and they are claiming there is nothing I can do but pay the fraudulent money. I am a single mother with two children trying to survive and this has put me on the path of loosing my home. When I contacted the bank (together credit union) they had no answer as how the money was withdrawn. They then call me back to tell me that payments set up through my routing number they have no control over and cannot stop. How does a bank not have control over activity!? I’ve been with them when they were abecu and am beyond disappointed and frustrated with this business and how they don’t care. This has greatly affected my life and continues to do so.

  Business Response

  Date: 05/09/2023

  Dear Ms. ******,
  
  Thank you for bringing your concerns regarding your fraud claim to
  our attention. I sincerely apologize for the frustrations you encountered with
  your claim and managing additional activity on your account. I would like to
  provide an update on your specific fraud dispute, as well as the steps we are
  taking to prevent similarly frustrating experiences for members pursuing claims
  in the future.
  
  Regarding your open dispute: your claim is currently open and we
  issued provisional credit of the disputed amount to your account on 5/2/23. The
  claims process is expected to be completed by 6/7/23. Additionally, in
  reviewing your case we identified three NSF fees charged to the account that
  would not have been charged had the fraud not occurred. We reversed these fees
  in full, which brought the account positive at that time. We apologize for the
  delay in reversing these fees and the confusion it may have caused. We have
  addressed the oversight with our fraud team.
  
  Additionally, our Director of Collections & Recovery reviewed
  your case and confirmed that there will be no impact to your credit report or
  other consumer reporting because of this incident.
  
  Regarding the confusion about further activity on your account: first,
  I want to reassure you that our first and most critical step to protect your
  account from further debit card fraud was to close and re-issue your debit card
  when you first reported the claim. When you requested a freeze to your account
  at the branch, we missed the mark in clearly communicating what to expect in
  terms of transactions that may come in through other forms, such as scheduled
  electronic payments. I apologize for the confusion and frustration this caused.
  We are planning additional training to help prevent this confusion in the
  future.
  
  A member of our team will also reach out to personally review your
  options to help determine the right level of protection for your account,
  review the activity to ensure that no additional fraudulent transactions are
  identified, and discuss any other help or resources we may be able to offer to
  help ease overall financial stress.
  
  Again, thank you for your membership, and for taking the time to
  share your experience. We take your feedback seriously and it helps us improve the
  way we do business for all members. If you have any question about your open fraud
  claim, please feel free to contact our fraud manager, ***** *********, at
  ###-###-####, ext. *****. For any other questions or concerns, you can also reach
  me directly at ************************.
  
  Sincerely,

  ***** ********
  Financial Well-Being and Member Experience

• Initial Complaint

  Date:04/01/2023

  Type:Product Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I logged into my online banking for Together at the on March 10, 2023 and noticed 25 different fraudulent charges all for varying amounts in the state of New York that totaled $583 that occurred on March 9, 2023 . I immediately called the fraud department number and was told that I needed to visit a Together Branch in order to resolve the issue. When I went to the branch on Chippewa street the representative told me that I needed to call the number again because they do not handle fraudulent cases in the branches, but only over the phone. They gave me the number to call and again I was informed that I have to resolve the issue at the branch. I told the representative who decided to call the fraud department on my behalf. She was told the same thing. She then explained to the representative on the phone that she worked for the credit union and that she knows that fraud must be reported over the phone. The representative then stated that I would receive a fraud packet in the mail that I would fill out and send back within 15 days. I received the packet in the mail on March 20, 2023 and filled it out and mailed it back the following day. I went back to the branch on Chippewa and asked for an update on March 21, 2023. The representative advised me to close my checking account so that fraudulent charges would not occur again once the money was returned to me. I closed the account and she emailed the fraud department asking them to mail a check for the $583 to my home mailing address instead of returning it to the checking account since it is not closed. On March 30, 2023 I received a letter in the mail informing me that the fraud department had looked into the fraudulent charges totaling $325 and declined the request stating that the money was refunded to the checking account on March 23, 2023. Why did the department only check on $325 of the full $589 and why was did they attempt to refund an account that is closed? Why is my claim being denied; these charges are fraud.

  Business Response

  Date: 04/14/2023

  Dear Mr. ******,

  Thank you for bringing your concerns regarding your fraud claims
  to our attention. I sincerely apologize for the frustrations you encountered in
  trying to file your claim. I would like to provide an update on your specific
  fraud dispute, as well as the steps we are taking to prevent similarly
  frustrating experiences for members pursuing fraud claims in the future.

  Regarding your open dispute: your claim is currently open and
  scheduled to close by 5/2/23. We also re-opened the closed account in order to
  work the claim and issued a provisional credit on 3/20/23. Since your intention
  is ultimately to close the account once the claim is resolved, we did place
  restrictions to prevent further unauthorized transactions. Our records indicate
  that the merchant refunded a portion of the claim ($325), leaving the remainder
  as part of the open claims we are currently processing. The merchant-refunded
  portion of the disputed charges are considered resolved, and this is why they
  were not included in the amount cited in the letter as being under review.

  Regarding the conflicting and confusing information you received in
  trying to file the dispute: it is important to us that you receive the answers
  you need the first time, and that the process is clear at every step, and we
  missed the mark here. We are working both internally and with our card services
  partner to improve the disputes process. Our current process asks that members
  call our card services partner directly to begin the claim, or file a paper
  claim form if they prefer, although this method may take longer to complete. We
  accept full responsibility for ensuring the level of service our members
  receive from any partners we use, and are working closely with them to simplify
  the process overall and provide the higher level of service that our members
  deserve. In the short term, we will also provide additional training to our
  internal team to clarify how to guide members through this process, and how and
  when it is appropriate to close an account with an open dispute.

  Again, thank you for your membership, and for taking the time to
  share your experience. Your feedback helps us improve the way we do business
  for all members. If you have any question about your open claims, please feel
  free to contact our fraud manager, ***** *********, at ************* **** ****** For any other questions or concerns, you can reach me directly at *************************
  

  Sincerely,
  
  ***** ********
  Financial Well-Being and Member Experience

  Customer Answer

  Date: 04/14/2023

  Complaint: ********
  
  
  
  I am rejecting this response because:

  I reached out to a branch manager with the Together Credit Union and received very different answers from the ones that are provided in this response. For example, I was informed that the claim was denied, which is what the letter that I received from the fraud department stated. I was also told that the account was closed and there was no balance available in the account. The branch manager offered me another phone number to call to try and appeal the fraud department's decision. I declined and asked her to call instead since I have been handed multiple phone numbers to call over the course of the last six weeks, all of which gave me the same response which is that all claims and appeals must be made in person in a branch. Furthermore, when the branch manager attempted to call the number she told me that she was not able to get ahold of anyone. If someone calling from a branch can't get ahold of anyone; how they expect someone from outside the company to be able to? I was told that Together Credit Union uses a third party company to handle their fraud disputes that is not local. The branch manager stated that they have no authority over the fraud department and cannot go against anything that they say. Also, we were never notified that we had been offered a provisional credit. Since we closed the account on the advice of an account manager, we are unable to view the account using the online platform. There was no communication stating that the account was being reopened. We only received a letter of denial of the claim. The gross miscommunication and amount of under-trained individuals who work at Together and with the third party fraud department make this an unacceptable response.
  
  
  
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:12/21/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a call that the credit union detected fraud on my credit card and they issued a new card, I received my statement, and I noticed all these charges that were fraud. I called and spoke to the fraud department and they stated the first time that a information package would be sent to me, and I called again and they stated that they would escalate in sending me a package. I have been refunded some the charges but not all of the charges. Why are being held responsible for some of them when I did not make any of these fraudulent charges. These charges should be off of my card.

  Business Response

  Date: 12/27/2022

  We talked to Mr. **** on Friday.  There are a few
  transactions that PSCU failed to capture when the member made their original
  claim.  We are working with the member to dispute all fraud
  transactions.  We have expedited this claim with PSCU.  Our member
  will not be responsible for any of the fraudulent transactions. 

  Customer Answer

  Date: 12/28/2022

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  Sincerely,
  
  
  
  ******* ****

• Initial Complaint

  Date:12/08/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I financed with Together Credit Union (***). They have repeatedly called me for my auto insurance information, which I have sent document to them. I gave them ********* number and was told they would contact i sent attachment via email and they would get back in two days nothing has been resolved now they want me to pay this huge amount for insurance when my vehicle has been covered all through out the loan and then put the amount towards my loan. I have paid continouly even more on this loan yet now they want me to make this outrages monthly amount and am afraid they will put this against my credit report its just outrageous how they can just add to my loan they have the documentation they needed. now they say collateral insurance they have acquired on the vehicle. When the information was sent to them.

  Business Response

  Date: 12/14/2022

  Collection manager made contact with *****************  Required coverages and deductibles were explained. **************** updated his necessary coverage, provided proof to the credit union and the matter has been resolved.

  Customer Answer

  Date: 12/15/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:11/15/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Bank returns a check I wrote on the same day they deposited the check I deposited 5 days prior using the mobile deposit app. Money is there but they are just using this to charge over draft when there is no actual over draft. Sent a screen shot of balance showing under the NSF fee. Was showing pending last night at 9 pm this morning it shows as returned

  Business Response

  Date: 11/18/2022

  We have reviewed Mr. ****** *****’s account and verified
  that funds in his account were on hold until 11/15/22, and a check was
  submitted for payment on 11/14/22, resulting in a fee for non-sufficient funds.
  This fee was charged in accordance with our Membership Account Agreement.
  As a courtesy, we have refunded $25 to Mr. ****** ******s
  account and will reach out to him for further explanation.

• Initial Complaint

  Date:11/09/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have two mortgages with Together credit union. I have auto withdrawl payments setup. In April my escrow payment needed to adjust due changes in taxes and insurance payments for my home. My auto payment did not adjust to this new payment. I tried calling Together multiple times to fix whatever issue was causing the payment to not adjust to the new bill. It has been my experience across multiple (10+) different mortgages, all with auto payments, that the withdrawal normally adjusts as the payment changes. Eventually I got a collections notice from together for these small underages ($29 and $113) per month on the mortgages. At which point I escalated within Together to get a manager. This manager eventually figured out the issue with their payment processing and I was told that this would be corrected. We even setup a new ACH withdrawl to resolve the issue. I was told that it would after October before payments would straighten out. Evidently they still have not corrected the issue as I am now making two payments on each mortgage per month and have done so in both October and November. Together has debited my account over $8,000 above my regular mortgage payments in these two months. I believe what has happened is that when they setup the new payments to resolve the first issue they did not properly cancel the old payments. I called yesterday to explain the oversight and was told I would hear back from someone that day. I did not. I called today and they claim to have sent and e-mail but that it went to an e-mail address that is not mine. They have my e-mail address on file as I receive monthly e-statements from them. They associate on the phone admitted they do have the correct e-mail on file. This error is very expensive and given my lack of resolution with them thus far I feel I need external help to resolve.

  Business Response

  Date: 11/23/2022

  In July of 2022, he contacted the credit union regarding his payment increase on both loans due to an escrow shortage. We went over that his escrow was short and explained the shortage and the process to update the new payments.  After the discussion of the new payments on both loans, he decided that he wanted to set up an *** for both loans.  We emailed the forms to him to review and sign.  The ach forms were returned, and we forwarded the forms to our accounting department.  They notified us that they received the *** prenote back as no account found.  We reached out to the member on the *** forms that he had signed and explained that the *** came back as no account.  After talking with the member, he verified the account number was wrong on the form that he signed.  Due to the error, we needed new *** forms for both loans. We sent him the new *** forms to verify and sign for accuracy.  I called the member on August 29th,2022, to explain everything to him and what had happened with the delay and the *** amounts.  We explained to ********************** that he would need to stop his online banking payment since he has set up the loans to be paid via ***. We also explained to the member that we waived any late fees associated with the issue and went over the new *** amounts, and when the new payments would start.  The new *** amounts were set up to start October 1st,2022.   The member understood the process and when the new amount would start pulling from him financial institution. 
  On November 10th the member contacted us via email and wanted to know why he had double payments coming out on both of his loans.  After the research on both loans, we discovered that the member had not stopped their payment transfers on either loan that he had set up in online banking.   Therefore, he had two payments coming in on both of his loans.   We contacted the member and per his request we refunded the two extra payments on both loans and wired the funds to the account he gave us and waived the wire fee.  The wire was completed on 11/10/2022. This has been resolved, please let us know if you have any additional questions.  Thank you.

  Customer Answer

  Date: 11/24/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:10/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently traded in a 2017 Infinity qx50 that was financed through TogetherCU. I traded in the vehicle on 9/16/2022. The dealer called TogetherCU for the payoff while I was sitting in the office. TogetherCU sent me a lien release on 9/22/2022. Today I received a letter from TogetherCU stating that I owe $23.78, I asked why do I owe this money after receiving the lien release, I was told it was interest until the payment from the dealer posted. The dealer asked them for the payoff and per diem while I was sitting in the office.

  Business Response

  Date: 10/20/2022

  A $460 payment was received from the Member on 9-20-2022 and
  applied to the loan. 
  The payoff from the Dealership was received on 9-22-2022,
  applied to the loan and paid it off.  The overpayment of $437.06 was
  deposited to the savings account. 
  The $460 payment was returned as unauthorized and reversed
  from the loan on October 4 creating a balance owed.
  On 10-13-2022, Accounting transferred the $437.06 to the
  loan, but failed to effective date it to the payoff of 9-22-2022 thereby
  causing the loan to reflect $23.78 still owed.
  The system automatically generated the letter notifying the
  Member of the monies due.
  Member contacted Member Contact Center on 10-13-2022
  concerning the balance owed. 

  Consumer Loan Servicing corrected the
  account to reflect no monies owed.

• Initial Complaint

  Date:09/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  together credit union , did deal with spirit lexas when i purchased new truck.... together and the car dealership screwed up payoffs etc, never called, me and hurt my credit for $85 on a $27,000 dollar payoff ...I was never contacted and they did not apply $27,000 to my payoff because of it being (supposably ) $85 short .... I found this out by going to branch office. I then paid the $85 even though they made deal with dealership... but together reported me as 30 days late to credit company, lowering my credit score over 100 points.... been on phone with and in office and talked to 4 different people with no help

  Business Response

  Date: 10/11/2022

  We investigated the member’s circumstances and found
  plausible reason to remove the late reporting.
  
  I spoke with the member this morning and he verified that
  the update we sent to the bureaus went through and the delinquency was removed.
  The member was satisfied with the end result.