Alright, so I am reposting this review with a total 180 from the original I wrote.
Another employee at AZFCU has really gone out of their way to follow-up on a problem I had with them, that I thought was their fault and it actually wasn't.
After the employee followed up with me and we calmly talked through the details of the issues I was having, I was told specific transaction dates as well as dates of information reported to the three credit bureaus. Not only did I realize that it was my mistake but the employee then referred me to some free resources of government sponsored programs that would help me resolve other issues.
So yet again the people of Arizona Federal Credit Union have come through and really helped me.
Thank you all.