Complaints

• Initial Complaint

  08/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress PATELCO CU Amount:$29542 Date:6/3/2024 Acct#*********

  

  Business response

  09/06/2024

  September 6, 2024
  
  Dear **********************,
  
  We are writing to you in response to the complaint that you filed with the Better Business Bureau (BBB) on August 29, 2024. Your complaint alleges that Patelco Credit Union is reporting inaccurate information to the credit bureaus. However, your complaint does not specify the information that is being disputed under the account(s), explain the basis for the dispute,or include any supporting documentation to substantiate the basis of the dispute. Therefore, you failed to meet the dispute submission requirements under the **** Act and the Fair Credit Reporting Act, and Patelco Credit Union is unable to investigate your dispute.  

  To enable Patelco Credit Union to investigate, please send a written notice to us at ******************************, which includes the necessary information and supporting documentation described above. 

   

  Sincerely,

  ***************************
  Senior Member Experience Specialist

• Initial Complaint

  08/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The bank gave access to their member database to criminals and gave away all of our personal information. They held our money hostage for weeks and disabled most banking services for the same period.

  

  Business response

  08/28/2024

  August 28, 2024
  
  Dear ************,

  We received your complaint from the Better Business Bureau on August 21, 2024, regarding the cybersecurity incident that Patelco experienced.

  On June *******, Patelcos systems were unavailable because a security incident required us to proactively shut down some of our day-to-day banking systems to contain and remediate the issue. During the outage, Patelco regularly provided information to members regarding what services were accessible through our branches, the shared branch network, or at ATMs through multiple communications sent to members on nearly a daily basis via email and a dedicated webpage (www.patelco.org/securityupdate).

  With respect to whether your personal information was involved in the incident, you should have received an email from Patelco on August 20, 2024, if you had a valid email address on file. The notice has also been posted at www.patelco.org/notification.Please refer to that notice for additional information regarding the incident and the complementary credit monitoring services that Patelco is offering.

  Sincerely,
  *********************************
  Senior Member Experience Specialist

• Initial Complaint

  08/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On July 1st, my account was frozen due to a security breach, which made it negative. Fees accrued and they do not want to give me a refund.

  

  Business response

  08/21/2024

  August 21, 2024
  
  Dear ********************,

   We received your complaint from the Better Business Bureau on 8/16/2024, regarding your account becoming negative during the Patelco system outage and the assessment of fees.Upon receiving your complaint, we conducted a thorough investigation.

  Upon becoming aware of the outage on June 29, 2024, Patelco immediately implemented a disaster recovery plan. The cybersecurity incident required us to proactively shut down some of our day-to-day banking systems to contain and remediate the issue. During the outage, Patelco regularly provided information to members regarding what services were accessible through our branches, the shared branch network, or at ATMs through multiple communications sent to members on nearly a daily basis via email and a dedicated webpage (www.patelco.org/securityupdate).

  With respect to members access to their funds, Patelcos communications advised members that debit, and credit card transactions were functioning in a limited capacity, and the communications included the daily dollar limits. Members were also advised that they could withdraw up to $500 in cash per day from a Patelco branch, by accessing Patelco ATMs (including over ****** shared branch ATMs all over the country), or by accessing an ATM at another credit union outside of the shared branch network. Additionally,members could access their funds by writing a check from their Patelco account to another financial institution where they had set up an account, or by initiating an ACH transfer at another financial institution to pull funds from a Patelco account.

  Our records indicate that your Checking account became negative due to various debit card purchases, ACH debits, peer-to-peer mobile payment app transfers such as Venmo and Cash App, and ATM withdrawals completed between 6/30/2024 to 7/9/2024. During this timeframe, there were also a few incoming peer-to-peer transfers credited to your account, but the amounts were insufficient to cover the transactions that debited the account.

  Additionally, during the system outage, a $237 ACH to *********** debited from your account on 7/25/2024. You contacted our ********************* on 8/13/2024 to inform us that *********** did not receive the payment. Therefore, a credit for $237 was applied to your Checking account on 8/16/2024, and your account is no longer negative. Please review your account history, and if you determine any transactions to be unauthorized, you may dispute these online, through our *********************, or by visiting a local branch.

  Patelco also notified members that we would waive or reimburse many Patelco fees and third-party fees. For Patelco fees, we are removing most fees for the months of July and August, such as account fees,overdraft fees, credit card fees, and loan late fees. In your complaint, you mentioned fees were assessed and that you requested a refund of $590. Our investigation did not find any fees or remaining funds owed to you that substantiate this amount. Our review confirmed the only fees reflected on your account during the system outage were due to out-of-network ATM cash withdrawals   three ATM fees for $3.50 and  one ATM fee for $3. These fees,totaling $13.50 were credited back to your account on 8/15/2024. For any third-party fees not reflected on your account, please visit *************************************************************** to submit a Security Incident Fee Reimbursement Request.

  Thank you for allowing us to review this matter further, and we hope this provides resolution to your concerns.

  Sincerely,

  ***************************
  Senior Member Experience Specialist

• Initial Complaint

  08/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress PATELCO CREDIT UNIONDate:5/23/2024Acct#*********PATELCO CREDIT UNION Date:5/23/2024 Acct#******

  

  Business response

  08/13/2024

  August 13, 2024
  
  Dear ********************,
  
  We are writing to you in response to the complaint that you filed with the Better Business Bureau (BBB) on August 7, 2024. Your complaint alleges that Patelco Credit Union is reporting inaccurate information to the credit bureaus. However, your complaint does not specify the information that is being disputed under the account(s), explain the basis for the dispute, or include any supporting documentation to substantiate the basis of the dispute.  Therefore, you failed to meet the dispute submission requirements under the **** Act and the Fair Credit Reporting Act, and Patelco Credit Union is unable to investigate your dispute.  

  To enable Patelco Credit Union to investigate, please send a written notice to us at ******************************, which includes the necessary information and supporting documentation described above. 

  Sincerely,

  ***************************
  Senior Member Experience Specialist

• Initial Complaint

  08/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have contacted Patelco via mail on 5/12/2024, 6/30/2024 and 7/18/2024 only to be ignored. I also tried calling them daily between7/2/2024 and 7/15/2024 only to not be able to get through to someone who can help me resolvethe issue with a past account. ******************** has reported that a car that I owned prior and made payments on is delinquent on my credit report and I've been trying to reach them to find out how that's the case when the car was paid off previously years ago. They have been hacked according to the news and are obviouslyunable to provide me with any information about that account because they haven't respondedto my letters or verbally told me anything definitive when I called them. As a result of this security breach, I am even more adamantthat I get proof from them that thisaccount has the correct information because I don't know if it's mine at this point. The lack of communication is unacceptable. They are reporting that I owe them a little over $8,000 and they also have their collection company emailing me about it. Those emails started once I sent the letters plus I've been getting calls at work from them about this debt yet nobody will give me any information about it. It's harassmentand bullying at this point because I'm asking for information and nobody will give it to me. I want to know for sure that this is the account that I had with them to verify it, I want to see the list of payments made while there so I can compare it to my bank statements and I also want them to stop harassingme at work about it. I've tried to work this out with them on my own but their not responding so I'm reporting them in hopes that they will give me the information that I need to properly dispute this or they will remove this account from my ********************** report and tell their collection department to update their files so I won't get anymore calls.

  

  Business response

  08/15/2024

  August 15, 2024  
  
  
  Dear ****************,  
  
  We received your complaint from the Better Business Bureau on August 5, 2024, regarding a loan held at Patelco Credit Union under your name that is reporting as delinquent on your credit profile and requesting confirmation that this loan is yours.  
  
  Our records indicate that on September 6, 2022, an unsecured workout loan was established, consolidating three previous loan balances held under your name: your auto loan, debt consolidation loan, and Pure Mastercard credit card. Upon receiving your complaint, an Account Solutions Specialist spoke with you by phone on August 6, 2024, regarding the details of this loan. A copy of the modification loan agreement and your July 2024 statement was emailed to you on August 8, 2024, for your review. Additionally, emails containing your bank statements and Pure Mastercard credit card statements for August 2022 and September 2022 were sent by the same Account Solutions Specialist on August *******. These documents reflect the balances of your existing debts that were combined into this unsecured workout loan. For further assistance with the statements and loan agreement documents, please contact our Account ******************** directly at ***********************.  
  
  Our review determined that we have not received any mailed documentation mentioned in your complaint, nor have we received any written dispute of this loan from you. To enable Patelco Credit Union to investigate and for you to meet the dispute submission requirements under the **** Act and Fair Credit Reporting Act, please send a written notice to us at ******************************. This documentation should explain the basis for your dispute and include supporting evidence.  
  
  Sincerely, 

  *****************************;
  Senior Member Experience Specialist 
  

  
  

  Customer response

  08/19/2024

   
  Complaint: 22092663
  
  I am rejecting this response because: I originally stated that I didnt recognize this information and hat an account was appearing on my credit report. After speaking with an employee at Patelco, Im even more confused about what is going on. Instead of one account, now Im being told there was 3. Thats not possible and I believe that the info is incorrect. Also, the documents I received in my email were just statements from recent months showing balances. I dont know when these accounts were opened, how much they were originally, etc. I need to know the exact info so that I can dispute this properly. Its frustrating because this is damaging my credit score and ability to move but I cant even properly address it. I need to see the actual documentation regarding these 3 accounts so that I can dispute them because I know I dont owe on them. Seeing that there are 2 more accounts than I was originally told about lets me know that all the information patelco has about me is false. They dont even have the correct address listed on the documents sent to my email. *** never lived in ****** ca. I hope we can resolve this quickly because I know its wrong and think like there is some fraud going on.

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

  

  Business response

  08/23/2024

  August 23, 2024
  
  Dear ****************,

  
  We received your rebuttal on August 19, 2024, in response to our communication sent on August 15, 2024.

  
  To further assist you and clarify any questions you may have, please continue working with our ***************************** As mentioned in our previous response, you may contact them directly at ***********************. They can address any concerns you may have. 

  
  Sincerely,
  *********************************
  Senior Member Experience Specialist 

  Customer response

  08/23/2024

   
  Complaint: 22092663
  
  I am rejecting this response because: it doesnt address the issues regarding these accounts nor does it resolve them. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  07/31/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  07/26/2024 I deposited $1,340 into the Patelco *** in *****************, the machine kept making a whirling sound like it was thinking and took my funds without depositing anything to my account. I immediately knocked on the window, the security guard told me to hit cancel stating that my funds should come back out but nothing came out after hitting cancel. The machine printed out a paper, the screen advised an error message and to go inside the bank. The security guard placed a out of order sign on the *** machine. The teller created a claim for me stating that it was a placed as a RUSH and should be resolved ASAP. There are cameras, it should be easy to look at the footage and the *** count should be over by $1,340, it should not take long to place my deposit in my account so I can pay my credit card and car loan. I logged into my account 07/31/2024 and it states "We anticipate having your dispute resolved by 09/09/2024". That is utterly ridiculous and Patelco will not get another payment from me until my money they stole is placed into my account.

  

  Business response

  08/07/2024

  August 7, 2024 
  
  Dear ******************,  
  
  We received your complaint from the Better Business Bureau on July 31, 2024, regarding a $1340 cash deposit at a Patelco ATM which has been disputed after not being processed as expected.  

  
  Upon reviewing our records, we can confirm that your dispute was filed on July 26, 2024. To ensure you have access to your funds during our investigation, we credited a provisional amount of $1,340 to your Savings account on August 1, 2024. Notifications regarding these steps were sent to your registered email on the corresponding dates.  

  
  We understand the inconvenience caused when an ATM transaction does not go as expected. Please be assured that Patelco adheres to standard ATM dispute resolution guidelines as outlined in our Member Handbook. Your provisional credit was issued within the required timeframe, and we are diligently working to resolve this matter. Once the investigation has been completed, we will notify you via email with the final outcome. 

  
  We hope this provides further insight into your concerns. Thank you for allowing us the opportunity to serve you. 

  Sincerely,

  *****************************;
  Senior Member Experience Specialist  

• Initial Complaint

  07/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a victim of the security breach with Patelco Credit union. My accounts are a mess. I am trying to go through and figure how bad the damage from the breach is. Without my consent, authorization, Patelco took money from my Savings account and put it into my checking account because it was overdrawn. I never set up overdraft so I did not authorize this action. They are refusing to put the funds back into my savings account and refusing to speak to me.

  

  Business response

  08/09/2024

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

  Patelco Credit Union received your complaint from the Better Business Bureau on 7-29-24 regarding your accounts and a transfer Patelco completed. Upon receipt, we performed a thorough investigation, and the results are below.

  In your complaint you stated that Patelco, without consent or authorization, took money from your Savings account and put it into your Checking account because it was overdrawn, and that you had not previously set up overdraft protection. When you opened your account with **********************, you agreed to the terms and conditions outlined in our Member Handbook.According to these terms, Patelco has the ability to offset a negative account balance using funds from any Credit Union share in which you have ownership.

  On page 10 of our Member Handbook, it states the following:

  Your Consent to Our Right of Offset: If you become indebted to us for any reason, and you fail to pay what you owe us according to the terms of your agreements with us or upon our written demand, you agree that we can take any Credit Union shares in which you have an ownership interest, without notice to you, to collect all or part of what you owe us. This consent by you is in addition to our right to impose a lien on shares under ***** of the California Financial Code. Our exercising this right will not be an election of remedies and will not impair our rights to pursue any other remedies we may have against you. Your consent to our Right of Offset is not a pledge by you of any shares and does not affect your right to withdraw funds as long as you meet your obligations to us.

  On 7-25-24, your Interest Checking account was negative by $1,984.89. As a result, Patelco offset your negative balance from available funds in your checking. As of this letter's date, your Interest Checking is still negative $874.89. You also stated that Patelco Credit Union is refusing to speak to you about your account; however, our records indicate otherwise. On 7-29-24, you spoke to a team member in our **************************** regarding the status of your account. During this call, you informed us that you did not know how the balance on your Points Reward MasterCard had a balance of approximately $28k. The Account Solutions representative advised if you did not recognize the charges, you should proceed with filing a dispute. To date, no disputes have been filed. If you would still like to file a dispute, please contact Patelco at **********************. 

  During this same call, you asked that Patelco reverse the offset of funds from your Savings to Checking stating it was illegal for us to do this. We advised you that we were unable to reverse this transfer, and as a result, you asked to speak to a supervisor. The Account Solutions manager called you on this same day, but you have not returned his call. If you would still like to speak to him, please return the voicemail he left you on 7-29-24.

  ****************, Patelco is here to help you get back on track.On July 31st, Patelco began offering a Security Incident Emergency Loan. This loan is available to assist members with negative shares and bring your account back into good standing. Loan proceeds will be applied to the negative share account to offset the remaining balance owed. Please note, this loan cannot be used to pay off or reduce balances on loan products. To apply, please call our toll-free number, available 24/7, at *************.
  

  Thank you for allowing us the opportunity to review this matter further.
  
  Sincerely,
  *************************
  Director, Member Experience and Financial Wellbeing
  Patelco Credit Union
  
  

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Dear Patelco:I wish to bring serious accounting problem to your attention. On June 28 I requested ****** a brokerage firm to deposit $15,000 to my Patelco account *********. On that same day I learned your system had a shutdown and my deposit from ****** did not go through.But my Patelco account showed a -$15,000 instead of a positive $15,000. In addition after I contacted ****** , they said that it appeared as a debit of ******* from my Patelco account which was not possible and their records do not reflect that. Rather it appears the $15,000 was returned back to ****** but your company shows it mistakenly as a debit.Then to make matters worse, I asked ****** to deposit $16,000 to my Patelco checking account so I could pay my bills since you were down for 2 weeks and my bills were piling up. Instead of a positive $16,000 you took my money and substracted $15,000 from it thus pocketing the rest. Now I am short in my account again. I cannot believe a credit union like this company could have such poor accounting practices as to not correctly show what truly happened. I am considering bringing this matter to what regulatory body exists that governs against this type of gross accounting error. If it were manual accounting done ,you would see money being put in and then if it was returned due to a system error it would be recorded as a big fat zero ,not a negative deposit or minus. And then instead of correcting that type of error you made it worse by pocketing money that should be recorded as a full deposit , not subtract through your faulty accounting system.If you have a representative that truly can solve and clean up this accounting mistake, I would love to meet that person with my evidence.I hope I get a response instead of the robotic responses I get in my emails.Thanks ********************* ******************** As of late it close to a month and this matter has been resolved. It appears Patelco doesnt believe me? Yet they have not chosen to meet with me.

  

  Business response

  08/09/2024

  Dear **********, 

  Thank you for speaking with me today and confirming there was no error. We will now close this complaint with the BBB. 

  Please don't hesitate to contact me directly if you have any questions or concerns. 

  Warm Regards, 

  *************************

  Director, Member Experience and Financial Wellbeing

  Patelco Credit Union

  Customer response

  08/10/2024

  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

  07/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2022, 2 years after a class action resulting in patelco refunding millions of dollars they had collected in predatory overdraft fees, the practice continued. Hundreds of dollars in fees assessed that snowballed from on small transaction, fees charged for transactions that weren't covered overdrawn the account by hundreds of dollars and eventually closing it. Then accepting an automatic deposit to an overdrawn closed account instead of bouncing it then creating a difficulty in collecting the new positive balance since the balance was now on an account that had been closed

  

  Business response

  07/30/2024

  July 30, 2024
  
  Dear Mr. ********************* received your complaint from the Better Business Bureau on July 25, 2024, regarding fees assessed on your account held at **********************.

  In order for us to review this matter further, we will need additional information from you. Please provide us with the dates and amounts of fees referenced in your complaint, and the necessary research will be conducted.

  
  Sincerely,
  ***************************
  Senior Member Experience Specialist

• Initial Complaint

  07/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Recently Patelco system was down due to a random wear attack. Non of it members were able to make payments. I received emails from Patelco assured me that i will NOT received late payment fee or any other fee. I got home to to find out that there are late fees and over limite fee added to my account. $268 for late fee and $55.51 for over limite fee. What is going on? I recently found out that Patelco is get a class action lawsuit because of this.I need Patelco to reach out to me and resolve this ASAP. Or I can contact an Attorney.

  

  Business response

  07/30/2024

  July 30, 2024 

  Dear Mr. ************** received your complaint from the Better Business Bureau on July 23, 2024, in which you claim fees were assessed on a credit card account held at **********************.   

  Patelco did honor their commitment to waiving all internal fees during the system outage. However, a review of your credit card history and respective statement for cycle period 6/16/2024 to 7/15/2024 confirmed no fees were charged to your account. Your statement reflects a past due amount of $268 due to your 7/19/2024 payment of $300 being made after the statement was generated on 7/15/2023.  Additionally, once the finance charge of $169.60 was posted to your account, this resulted in your balance being over the limit $55.51 which also is detailed in this statement.  

   Members are responsible to pay the minimum payment in addition to the over-the-limit amount for the credit card account to be current. This information is in our Open-End Consumer Credit Agreements and Truth in Lending Disclosure that can be found on our website www.patelco.org. Please review page 4, section 9 and part C of section 10, which states: 

  9. If your outstanding balance on any Account exceeds your approved credit limit, you must, upon written notice from us, make a single lump-sum payment sufficient to reduce the balance to the authorized credit limit.... All minimum payments must include over-limit amounts, delinquent amounts and fees. 

  For future inquiries regarding your account, please contact us directly via our ********************** Chat, or by visiting a local branch for us to immediately address your concerns and assist you.  

  Additionally, weve established a new hotline specifically to help you work through any issues caused by this outage, such as fees, late payments, or delayed transactions. This hotline is available at *************************** from 8am 6pm PT Monday through Friday. 

  Thank you for allowing us the opportunity to review this matter further. 

  
  Sincerely, 

  *************************;
  Senior Member Experience Specialist 

  Customer response

  07/31/2024

   
  Complaint: 22028873
  
  I am rejecting this response because:
  You guys made it like I wasn't trying to make a payment. I called the the 800 to post payment, then was turned off. I drove to the branch on story rd. Was to try at other branch. Drove to Milpitas. Was told that the system was down. Was told by the Milpitas branch to try my luck at other locations. Drove down to ******************. No results.  Tried to contact you guys on the phone.. "expect wait time is 15 minutes." 3 hours later, I hung up. Tried the chat option... 2 hour later. No response. Members to incur out-of-pocket travel expenses (including but not limited to gasoline/fuel expenses and wear and tear on their personal vehicles). I'll contact an attorney and move forward with the lawsuit again Patelco. 
  Sincerely,
  
  *********************

  

  Business response

  08/06/2024

  August 6, 2024
  
  Dear Mr. ************** received your rebuttal to our response on July 30, 2024,regarding your credit card payment. Please see below for more clarification regarding this matter.

  During the system outage, we provided ongoing communications that informed members that payments could be made in our branches, over the phone, and online. Both our San **** and Milpitas branches were accepting transactions and providing offline receipts to members.  Transactions received during the outage were then processed on or around July 15, 2024. We understand how frustrating the wait times were for our members as volume increased in branches and over the phone.  Patelco was transparent in our communications that call volume and wait times may be much longer than usual. 

  Please note that Patelco is not stating that you did not attempt to make a payment.  As your cycle ****** was 6/16/2024 to 7/15/2024, this payment was not reflected on your July 2024 statement and appeared as a past due amount. Our previous response explains that a payment was accepted on 7/19/2024, which was within our 10-day-grace ****** and therefore considered on time. As a result, no fees or additional charges were applied to your credit card balance.
  
  Sincerely,

  ***************************
  Senior Member Experience Specialist
  
  

  
  

  Customer response

  08/07/2024

  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,
  
  *********************

*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. ↩