Business ProfileforCobalt Credit Union

very long story, not enough space. I got a replacement card on 2/3 before 12pm. 2/4 merchant ran card for $*******, making my didn't opt in for overdraft protection account to -******* with the inactive turned off card in cobalt possession. first it was these companies force payments off inactive cards, but changed to it was ran on 2/3 but posted on 2/4. same card was declined on 2/3 for ****** same company at 10:32 am. I also have real time alerts, so all transactions have posted in real time except for this one. can't contact cobalt until 2/5 even they offer 24hr members service numbers, you can only use during weekly business hours and can only report lost stolen or fraud during said times. options are start dispute, get part of money back for good-faith within 2 days until dispute is settled, transfer the money from another account eat that cost until dispute is settled or continue to withdraw from savings with out of network fees reversed. went on vacation right after I replaced my card. Go to the atm 2/5 and I've reached my *** daily. I did go to the atm on 2/4. I was told that amount didn't post until 2/5 so that plus fees were deducted from that. how did this transaction post to my account on 2/4 4:34 pm but it's saying on there end it posted 2/5 after 1pm. common sense let's me know that there's noway the same account is posting the exact charge 24 hours earlier on my end then cobalt, and only the two transactions I didn't get the real time alerts are the 2 in question. they aren't authorized to raise my limit but if I took the *** I had access to I could start the limit withdrawal again Monday but if the post is lagging because it's the weekend that post about will come out of Mondays limit, and if that happens they can increase it on Monday. cobalt admitted it's not due to any fault of mines, but there's nothing they can do, no suggestions, also everything they have said has been false advertisement and lies, and all 3 apps crash daily.