I had lots of transfer credit from multiple universities and multiple community colleges. These were not the problem in and of themselves, but I feel they muddied the waters to allow for the actual problem to happen.
I had two F's for remedial algebra coursework from not withdrawing. These remedial courses were not supposed to be calculated but they were. I called for them them to recalculate and my gpa it is now no longer in the 2's. I just thought I would throw this out there. They are humans calculating this stuff and are prone to errors like anything else. Good luck out there.