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If you have proof of all of the payments and they never properly subtracted proof of payment, then this is their duty to correct. If they fail to correct it, then it is a violation of their contract
with you and it is a breach of contract
for which you can sue them over and seek any damages that it has caused you to try to now resolve this matter because of their error. Suing them is your last hope if you cannot get a supervisor at the credit union to fix this error and because of the amount you can sue them in small claims
court without an attorney for this breach of contract.
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