Complaints

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

close

Find a Location

Blue Federal Credit Union has 15 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Blue Federal Credit Union

  2401 E. Pershing Blvd Cheyenne, WY 82001

  
• 

  Blue Federal Credit Union

  5105 Randall Ave Cheyenne, WY 82005-2219

  
• 

  Blue Federal Credit Union

  3810 Dell Range Blvd Cheyenne, WY 82009-5452

  
• 

  Blue Federal Credit Union

  136 W Mountain Ave Fort Collins, CO 80524-2823

  
• 

  Blue Federal Credit Union

  2735 Dublin Blvd Colorado Springs, CO 80918

  

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:05/22/2025

  Type:Order 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 am filing this complaint against Blue Federal Credit Union due to their refusal to accept the voluntary surrender of a vehicle associated with a loan they charged off in 2020. Despite multiple attempts to resolve the matter, including verbal confirmation from a representative that they had no interest in the ************* free to do whatever I want with the vehicle but they refuse to release the title. The credit union has refused to take back the asset stating that it would cost them more if they took the vehicle back. After a month of calling I finally got a supervisor that stated they even though the charge off was 5 years ago we they will not release the lien nor take the vehicle back. The continued refusal to accept surrender or remove the lien is preventing me from disposing of or transferring the vehicle. I have filed complaints with the ************************************ (****) and the National Credit Union Administration (****), and ******** has still not resolved the issue.

  

  Business Response

  Date: 05/28/2025

  Thank you for bringing your concerns to our attention. We sincerely apologize for the frustration you've experienced regarding the voluntary surrender of your vehicle and the ongoing lien.
  
  We have reviewed your case, and we want to clarify that Blue Federal Credit Union retains a valid security interest in the vehicle under the terms of the loan agreement and applicable laws. This security interest remains until the loan is fully resolved or otherwise legally satisfied. We understand that this situation has been challenging, and we apologize for any miscommunication regarding the surrender process. To ensure this matter is addressed thoroughly, our Senior VP of Lending will be reaching out to you directly to discuss the next steps and work toward a resolution.
  
  We appreciate your patience as we work to resolve this issue and thank you for your understanding.
  
  Sincerely,
  ***** *****
  

  Customer Answer

  Date: 06/04/2025

  Complaint: 23367288
  
  I am rejecting this response because:
  

  After a week no one has reached out as promised. It appears no one is taking accountability, so apparently the last step that I know I can take is getting the courts involved. 

  
  Regards,
  
  ****** ********

  

  Business Response

  Date: 06/09/2025

  Dear *** ********,
  

  Thank you for your patience as we worked to address your concerns. I understand our team was able to connect with you directly to discuss the matter and outline a plan moving forward.
  

  We appreciate the opportunity to resolve this with you. If you have any further questions or need, please dont hesitate to reach out.
  

  Customer Answer

  Date: 06/09/2025

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

• Initial Complaint

  Date:05/07/2025

  Type:Sales and Advertising 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.

  On December 18, 2024, I first received a letter from blue credit. Informing me they had an issue with my insurance covering my Harley ********* sometime in February after returning to the states I sent copies of my insurance showing. I did not hear back. On March 28 I received a letter that my account had been charged a ***** for CPI coverage. After once again returning to the state. I reached out to Geico to correct the insurance issue and resolved the problem with Blue. after doing so Blue Informed me that I would be refunded $558.00 and the remain $442.00 was insurance charge covering November 2024 - May *****. After reaching out to Blue I was told that when i signed my contract in 2022 all CPI fees where waived on the accounts due to Covid. This was undone in January of 2024, this is when ********** a ***************************** Which I was never informed nor notified of such changes, my insurance policy renews every year in September. Why was I not notified than, moreover I'm being charged for the month of November when they first notified me in December of 2024 and after submitting my information in the being of February of 2025 why was informed till March 28th 2025, that My Loan was being charged. I Hope this helps Inform other customers of Blue's actions and lack of communication with their customers, especially when they are making policy decisions to your loan agreements without telling of such changes so plans can be made accordingly

  

  Business Response

  Date: 05/12/2025

  Thank you for bringing your concerns to our attention. We have thoroughly reviewed your account and the details surrounding your insurance coverage for your Harley ***************************** to our records and communication with State National and Geico, it was confirmed that full collision and comprehensive coverage were not in effect for the entirety of the policy period. Our records indicate that liability coverage was in place, as evidenced by the documents received on January 22, 2025, and verified with Geico on February 17, 2025. This information was also discussed during your recent call to State National.

  
  As per your Agreement to ***************** and the terms outlined in the Promissory Note and Security Agreement, it is a requirement that your vehicle be insured against risks including fire, theft, collision, and other hazards. The lack of full coverage during the specified period constitutes a breach of the contract terms you agreed to upon signing.

  
  Throughout this process, we sent multiple notices starting from December 18, 2024, regarding the insurance requirements. Despite these communications, full coverage was not obtained until May 5, 2025, which is after the specified deadline.
  Based on these findings and the terms of your agreement, we regret to inform you that we are unable to refund the remaining CPI charge of $442.00 unless you can provide documentation proving active collision and comprehensive coverage on or before November 26, 2024.

  
  We understand your frustration regarding these matters and apologize for any inconvenience caused. If you have further questions or require additional clarification, please do not hesitate to contact us directly.

  Customer Answer

  Date: 05/12/2025

  Complaint: 23296954
  
  I am rejecting this response because:

  As you just indicated Blue, First notified me December 18th, 2024, but are charging me for November 2024.  This is lack of communication on blues end, resulting in me being charged for a month I had no Idea there was an issue with my insurance coverage.  Moreover, the Insurance I currently have and have had throughout the life of the loan with blue back in 2022. I provide images showing proof of my claim., So a little under 3 years have gone by, and my issuance coverage wasn't an issue. Why is that? you did not mention the fact that you guys, waived the *** insurance fee Aka "Full Coverage" requirement due to Covid -19, which was not till January of 2024 that Blue rescinded the waver without notifying customers. Second Failure of communications This is one fact that you are Ignoring in your response. Lastly, according to your admission during our phone call that you guys hired State National in January of 2024, (the same time you guys rescinded the *** Fee waiver).  to review all loans requiring such insurance. This is more proof that you guys conducted a change without informing customers 

  
  If you can't not provide a refund, Then I understand blue values $442.00 more than a customer who has never missed a payment and once recommend you guys to family and friends. The upmost thing that could be done on your end is to admit you guys lifted a waver without bring it to light of your customers. So, people are aware of Blues business tactics     
  
  
  
  Regards,
  
  ***** *****

  

  Business Response

  Date: 05/13/2025

  Thank you for your response. We understand your frustration, but after reviewing your account and the terms of your loan agreement, we must iterate that the insurance requirements were clearly outlined in your contract, and failure to maintain the required coverage constitutes a breach of that agreement.

  
  While we recognize your concerns regarding communication, we are enforcing the terms of the contract you signed, which included the obligation to maintain full coverage on your vehicle. As a result, we are unable to offer a refund for the **********. If you have any further questions, please dont hesitate to reach out.

  Customer Answer

  Date: 05/13/2025

  Complaint: 23296954
  
  I am rejecting this response because:
  

  You are not answering my question if I had the same policy from ******************************************************************* why was It not an issue if you're holding me to the contract I signed ?

   

  Regards,
  
  ***** *****

• Initial Complaint

  Date:04/08/2025

  Type:Delivery 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 purchased a *** from this company, fell ill and it got repossessed. In order for this company to release the repo order I was told by **** that I had to pay it off which I did at the moment of being told. I still have not received the title and they are still now sending me a bill. I paid it off in January so I could go pick it up from the repo company that tore up my yard just to repo it. I'd like for them to clear it on my credit report and send me my title like I was originally told when I paid it off. Thank you

  

  Business Response

  Date: 04/21/2025

  Thank you for bringing your concerns to our attention regarding your recent experience with Blue Federal Credit Union. We apologize for the inconvenience and frustration this situation has caused you.

  
  Upon reviewing your case with our Member Solutions team, we have taken immediate steps to rectify the issues outlined in your complaint. The vehicle lien has been fully paid off, and we are currently processing the release of the lien according to our standard operating procedures. Additionally, we have initiated the necessary steps to ensure that the vehicle repossession is cleared from your credit report promptly.

  
  Regarding the delay in receiving your title, we understand the importance of this matter and are actively working to expedite its delivery to you. You can expect to receive your title shortly.
  Once again, we apologize for any inconvenience caused.

  
  

  Customer Answer

  Date: 05/08/2025

  I am writing to inform whoever  that I have not received my title to my unit. I have been contacted by the company and told that they will send the title and that was a month ago, still no title. This unit was paid off back in January.  I don't know what else im suppose to do other than ask bbb for help. Thank you for you time. 
         Sincerely ***** Pitts 

  

  Business Response

  Date: 05/19/2025

  Thank you for informing us on this issue. I apologize for the delay in receiving your title. We are currently working with our vendor to ensure that the title is sent either directly to you or to Blue Federal Credit Union so we can provide you with the title. Once we have confirmation from our partners, we will update you with further information.
  

  Thank you for your patience, and we appreciate your understanding.

• Initial Complaint

  Date:12/27/2024

  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.

  12/26/2024 I contacted Blue Federal Credit Union regarding a formal letter of fees that are owed for and location of the vehicle that was repoded.. I spoke to a supervisor and I was told their business practice is no formal email or letters are sent out to the customer. I received a letter to pay the loan off to retrieve the vehicle no real break down of fees and explanation. I received an informal letter after I requested the information from a representative. This was my 3rd time contacting blue federal credit union regarding this issue without a resolution. I contacted blue federal credit union on Monday 12/23 and on 12/24 I left a message for that department(repo).

  Customer Answer

  Date: 12/27/2024

  Please see attached the informal email regarding the location of my belongings and I was told there was a ****** fee to get my things out of the vehicle. My credit report is showing that I am 90 days past due not a 115 days. I was making payment every two weeks on the vehicle to catch up. I did not receive anything in writing regarding fees location of the vehicle or anything of that nature.. I was behind over 1600 dollars which is 2 months behind. The car note was ****** I was not working is the reason I fell behind.

  

  Business Response

  Date: 02/03/2025

  To whom it may concern, 
  

  Our senior vice president of Lending personally addressed the members concern in December 2024. We understand the importance of clarity and transparency in such matters and are committed to reviewing our communication methods to identify areas of opportunity for improvement going forward. 
  Any further assistance needed can be provided by our member solutions team.
  
  Email: **************************************
  Phone: ************
  

  Thank you, 

  

  Business Response

  Date: 02/14/2025

  from: '*** ******' via Dispute Resolution <*************************************************************************>
  reply-to: *** ****** <******************************************>
  to: Better Business Bureau <*************************************************************************>,
  Member Concerns <*************************************>
  date: Feb 13, 2025, 5:26 PM
  subject: Re: You have a New Message from BBB Regarding Complaint #********

  Good evening!! This is to let us know that this concern has been resolved.  Thanks!
  
  *** ******
  VP of Member Experience
  World Headquarters
  NMLS #*******
  Phone: ************
  
  
  

  
  

• Initial Complaint

  Date:11/09/2024

  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.

  Hello I have never had a lapsed insurance I have attached proof from **** insurance in the attachments.I was never notified about they don't have my insurance on the file. They charged me 2100$ for insurance. Why would I need two insurances?Even **** my insursnce provider was shocked to hear about this. I am not even sure if having two insurances on a same car is legal or not!Before going to court I want to sort it outside of the court so filing here in BBB.

  

  Business Response

  Date: 11/12/2024

  Dear *******,

  Thank you for bringing your concern to our attention. We sincerely apologize for any confusion or inconvenience caused regarding your insurance policy. After reviewing your account, we confirmed that we received the necessary documentation from ****, but it appears that the initial policy you provided was missing Blue Federal Credit Union as the lienholder, which may have prevented us from properly verifying the insurance coverage.

  Upon further investigation, we have taken immediate action to resolve the situation. A full refund has been issued to your account.

  We understand your concern about having multiple insurance policies on the same vehicle and want to reassure you that we are committed to ensuring this issue is fully resolved. If you have any further questions or if there's anything else we can assist you with, please do not hesitate to reach out.
  

  Thank you for your understanding, and we appreciate the opportunity to serve you. 

  
  

• Initial Complaint

  Date:10/19/2024

  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 am writing to dispute three accounts with ******** that were opened without my authorization. The accounts in question are:Account opened on 12/04/2019 with account number ******************* opened on 02/05/2020 with account number ******************* opened on 12/12/2019 with account number ************** did not authorize or open these accounts, and they appear to be the result of identity theft. I request that Blue *** take immediate action to:Close these fraudulent accounts.Remove them from my credit reports.Provide written confirmation once these actions have been completed.I have attached my identity theft report from the *** for reference.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 10/22/2024

  At Blue Federal Credit Union, we take identity theft and unauthorized account activity very seriously and are committed to assisting you through the appropriate channels.
  
  While we cannot take any direct action based solely on the information provided in your BBB complaint, we encourage you to connect with our Member Solutions team. They will be able to review your situation in greater detail, guide you through the following steps, and provide any necessary assistance regarding the accounts in question.
  
  Please get in touch with our Member Solutions team directly, they will be happy to help you resolve this matter.
  
  Thank you again for reaching out. Please know that we are fully committed to assisting you and look forward to resolving this matter for you.

• Initial Complaint

  Date:09/30/2024

  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.

  BFU repossessed my vehicle on 9/30/2024. I just made a payment. I was told by one gentleman that I would have to pay 1600 plus fees to get it back, next person says the full amount of the loan must be paid of ******, the online payment portal says I owe one month, credit report also says Im behind one month.

  

  Business Response

  Date: 10/02/2024

  Dear Dia, 

  I want to sincerely apologize for the confusion and frustration caused by the conflicting information you've received regarding your vehicle. I understand how difficult and stressful this situation is, and I’m sorry for any miscommunication.

  To ensure you have the most accurate and up-to-date information, I recommend reaching out directly to our Member Solutions team. They will be able to provide clarity on your account status and work with you on any available options to resolve this matter. You can reach them at 844-341-7978. 

  Thank you!
  
  Blue FCU Member Experience

• Initial Complaint

  Date:08/05/2024

  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.

  My wife called in and was told that I removed her from my account and that she was not to be given any information. (THIS IS A LIE)I was also told that I was not who I said I was, and they needed me to bring my ID into office 8hrs away. This was opened online and is an online account.I asked to speak with a manager, and they hung up. Everyone keeps records.I contact the bank again today; in chat **** says they will call at 3:30 today 8/5/2024 I changed a business meeting, and NO ONE CALLED!!**** also says that I added my spouse in 2019, and the bank called and I did not answer so they closed the ticket. Why? There was no call or message left.This is pure laziness!I get back online, and **** says he is sorry, but the ticket still is in review. Then why was a given a time to expect a call?This bank should have to reimburse my hours lost!Since I began with this bank, they immediately changed my APR every month after opening the account and blamed it on inflation in 2019? Really?This bank has the most ridiculous communication and staff!I will be paying this and leaving the negative review they DESERVE!

  

  Business Response

  Date: 08/13/2024

  I hope this message finds you well. Thank you for bringing your concerns to our attention, and we sincerely apologize for the frustration and inconvenience you have experienced.At Blue Federal Credit Union, we are deeply committed to providing excellent service and clear communication to our members. We regret that we fell short in your recent interactions and are dedicated to making things right.
  
  First, I would like to address your primary concerns:
  1.Account Access and Communication:
  ?It is our policy to ensure the security and privacy of our members' accounts.When discrepancies or issues arise, such as adding or removing account holders,we follow strict protocols to verify identity and account ownership. This sometimes includes requesting in-person identification when necessary for security reasons.
  ?I apologize if our communication about this process was unclear or if you felt that your concerns were not addressed promptly and effectively. This is not the level of service we aim to provide.

  2.Scheduled Call and Follow-Up:
  ?I understand your frustration with the missed call scheduled. While our representative, attempted to assist you, there was a breakdown in communication and follow-through. I apologize for any inconvenience this has caused since you rearranged your schedule.

  3.APR Changes and Account Management:
  ?Your concerns about changes to your APR and the overall management of your account are taken seriously. We aim to be transparent and fair in all our financial dealings, and I regret that you feel this has not been the case.

  
  To address these issues, we have taken the following steps:
  1.Immediate Review and Resolution:
  ?We will review the missed call and follow-up procedures to prevent similar issues in the future.

  2.Communication Improvements:
  ?We are committed to improving our communication strategies to ensure clear,timely, and accurate information is provided to our members. Your feedback is invaluable in helping us achieve this.
  
  Once again, I apologize for the inconvenience and frustration you have experienced. We appreciate your patience and understanding as we work to resolve these matters. 
  
  Thank you for your continued trust in Blue Federal Credit Union.

• Initial Complaint

  Date:08/04/2024

  Type:Product 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.

  An individual stole my debit card info.charged $100 on my debit card. Reported it July 7th. Called on the 25th of July because hadn't received a new card yet. **************** argued with me that a card had been ordered on June 24th (mind you, I reported the card compromised July 7th) Spoke with a very incompetent supervisor who wanted to charge me $35 for a rush on the card, even tho this was their fault.sais supervisor, never ordered a card till a week later!!! August 3rd and still have no card!!! Can't wait to read their response to this complaint! Really can't excuse incompetence!!!!

  

  Business Response

  Date: 08/05/2024

  Thank you for bringing your concerns to our attention. We deeply regret the frustration and inconvenience you have experienced regarding replacing your debit card.
  Upon reviewing your account and our internal records, I would like to provide some clarification and an update on the situation.
  
  On July 7th, you reported fraudulent activity on your card, and a request for a replacement card was initiated. Unfortunately, there was some confusion as our system indicated that a card was already in transit to you, which led to the initial cancellation of your request.
  
  Our records show that an older card ending in 5940 was mistakenly identified as a recently ordered card, contributing to the delay. This miscommunication is regrettable,and we are taking concrete steps, such as [implementing a new card identification system], to ensure such errors do not occur in the future.
  
  When you called on July 25th to follow up on the status of your replacement card, we mistakenly referred to the card ordered on June 24th, which should not have been the case since your fraud report was made on July 7th. We acknowledge that this caused unnecessary confusion and further delay.
  
  Regarding the rush fee, our policy typically requires a $35 fee for expedited card delivery. While we understand the urgency due to the fraudulent activity, the request for a rush order must be applied correctly, and waiving the fee was not approved. Expedincing the process at this stage would have required canceling the card already in transit, leading to additional delays.
  
  We sincerely apologize for the delays and any inconvenience this has caused. We understand your frustration and are committed to improving our processes to prevent such issues in the future. We understand that this situation has been frustrating for you, and we are here to assist you in any way we can. If you have any further concerns or require additional assistance, please do not hesitate to contact us directly.

• Initial Complaint

  Date:05/10/2024

  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 have been trying to pay $45 for a deferral payment and Blue FCU refuses to accept funds by shared branching. I have mailed the $45 with tracking 9505-5128-6138-4131-1973-15 because they have not responded to my calls and e-mails. I am asking them per my loan agreement they should honor to defer 5/2024 payment, remove the blocks off my account so I can pay my loan. Blue FCU plays games with members, they refuse to take funds to honor my loan agreement. In bad faith they are in violation of regulation ZZ of the fair credit act.

  

  Business Response

  Date: 05/16/2024

  We understand that dealing with payment issues can be frustrating, and we appreciate you bringing this matter to our attention. We sincerely apologize for any inconvenience you've experienced while attempting to make your deferral payment and during your interactions with Blue Federal Credit Union.
  
  We understand your concern regarding the $45 payment for the deferral. Regarding your mailed payment, we confirm that we processed the skip on May 14, 2024. We will investigate the circumstances surrounding your previous attempts to reach us via calls and emails to ensure such delays do not occur. We have honored the deferment of the 05/2024 payment. 
  
  Regarding your mention of Regulation ZZ of the Fair Credit Act, we assure you that Blue Federal Credit Union fully complies with all relevant regulations and guidelines. We strive to maintain good faith in all our interactions with our members and sincerely regret any perception to the contrary.