To Whom it may Concern,
On July 30 2020 I got a letter in the mail from UCCU, this is the first letter I received, stating I had a delinquent loan, if not payed in ten days it could go to collections and be reported to credit reporting agencies .I thought I had paperless banking but never got an email or text. I logged into my account to see my overdraft protection needed to be paid. I wasn't aware anything had been charged to my account. I don't use this account for much besides paying a student loan, and that has been put on hold due to Covid-19.
I called UCCU the next morning to pay it. I spoke with a young lady she was texting here supervisor to see how she could help me, because I didn't know I was delinquent. I had concerns about this reflecting negatively on my credit she told me to save the $8 fee to put it threw with a bank account. She said she spoke with her supervisor and my credit would be fine because I was within the ten day grace period. The next two days I kept getting alerts that my credit had dropped by 90 points with Experian and just under that by the other two.
Monday I called and spoke with Laura McCluskey about this and she thought you would be able to help me, that evening I got a text (so I know I could be reached) asking me to call Shalee. I called immediately and got an answering machine, I did leave a message. The next morning Aug 4th I called again and spoke to Beverly (Shalee wasn't there) in the collections department. Between the text and me calling she said the payment had gone through, non payment is why I was text by collections. I asked Beverly why It was reported to credit reporting agencies, she said if I would have payed a different way (credit card with the $8 fee) it wouldn't have been reported at all, and suggested I might not have cared about my credit as much as an $8 fee.
I called Laura back and let her know what Beverly had told me. I asked her to listen to the recording of when I made the payment. I told the lady I would pay the fee if I needed to, I stated several times I didn't want it to affect my credit. She said I had a ten day grace period and it wouldn't affect my credit.
That was yesterday, I'm still waiting to hear back from Laura. read more