My client had a long time relationship with a credit union.
The account that they had converted about three times over their lifespan.
during the last conversion of the card, it did not show on my clients portal or bank system for 6 months in 2023 so it was difficult to make a payments.
by the time they realize that issue, a 30 day late payment automatically reported.
I suggested my client to reach out to their institution headquarters to explain the situation.
The 30 day late payment was removed by the representative right after the phone call.