Business Profile
Credit Union
State Employees Credit UnionThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for State Employees Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 154 total complaints in the last 3 years.
- 35 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:02/07/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report
State employees credit union :618655XXXX
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Business Response
Date: 02/07/2023
SECU has
received this complaint and will investigate. If the complainant is a member of
SECU, we will contact them directly.Initial Complaint
Date:01/29/2023
Type:Customer Service IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received my NCSECU on or around October 2017 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in March 2018, I had a tragic hit which caused me to lose my place and all my belongings due to a fire. I am the sole provider for our family and was unable to go to work for over 4 months then was on maternity leave afterwards. I did use what maternity leave time I had to cover our living expenses but needless to say, this left us in an unfavorable position financially. Not only do I have two young children but it was the hardest time of the year since I had to start over and had just had another baby. Concessions had to be made and regretfully, this led to a late payment on my NCSECU account. The loss of income, even though it was for a short period of time, was a brutal “wake-up” call for me concerning financial responsibility. Since that incident, I have learned the essential organizational and financial management skills I desperately needed at that point and my payment history from 2017-2018 reflects that. I wish to thank you for your renewed confidence in me and for giving me a second chance at a positive relationship with NCSECU, one that I am determined to keep untarnished.As I am about to begin the process of purchasing a new home, it has come to my attention that the late notation from NCSECU may prevent me from taking full advantage of the best interest rates available. Since that notation does not reflect my current status with an NCSECU account that was also paid in full , I am requesting that you please give me a second chance at a positive credit rating by revising those tradelines or removing it. I sincerely hope that there is redemption at NCSECU, and I plead for such consideration for a single mom of two
Very hopefully yours, ******* ******** ******* ******Business Response
Date: 01/30/2023
SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.Customer Answer
Date: 01/30/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* *******Initial Complaint
Date:01/16/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On November 8th, 2022 I went to the State Employees Credit Union located on **** * *** Street to remove my name from my Daughter’s account because of about a month of misunderstandings about money SHE owes to them, not myself. She had also updated her address with SECU and they would ALWAYS change my address as well causing lots of confusions as I try to use my bank card (address didn’t match because they changed my address to her address). I had to request a change of address several times before SECU finally got it right!
With me removing my name from her account, I was informed I would not be liable for any money she owes! Not TRUE!!
On 1-12-23 (2 months later), I checked my savings account and noticed someone had made a “Member withdrawal” for the amount of $87.53. Now I am totally confused because myself (the member) had not made any withdrawals from my account! On 1-13-23 I immediately called the 1800 number on the back of my card to see how this could be. I was informed the transaction was made by SECU at the *** street location in ********* NC. When I contacted SECU on *** street I was told because my daughter was still listed as a “user” on MY ACCOUNT she had part ownership of MY ACCOUNT therefore they could take the money from me! This is absolutely ridiculous!! They should be going after her, not me! I told the lady that I had other bills that were coming out and by them taking MY money that would create a Hardship!! She informed me there was Nothing she could do and if I wanted to I would have to remove her name from my account. I am so frustrated with all of this because it was not like this before. I would like for SECU to return my $87.53 back to my account and go after the person that owes them which is not myself! Garnish, tax withholding whatever…just don’t take MY money!!Business Response
Date: 01/17/2023
SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.Customer Answer
Date: 01/19/2023
Complaint: ********
I am rejecting this response because:
I have not received any calls concerning this manner since I filed the complaint. Also I was never notified that SECU would be taking any money from my account; and to list it as “member withdrawal” is false pretenses since I the member did not withdraw any money from my account!
Sincerely,
******* *****Initial Complaint
Date:01/13/2023
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Our account was hacked on December 30,2021 and on January 3,2023. All transactions have been posted. As of January 13,2023, none of my funds have been reversed. With this being the account that I pay bills out of, I have had many credit card payments returned and also charged NSF fees from SECU. It is a complete scam and has made my 2023 ridiculously hard. Especially as someone who gets paid monthly with all of her credit card payments past due and NSFs being taken from account. I’ve struggled all month because SECU is in no hurry to reverse charges. Not to mention, the cyber security isn’t secure at all. I need to know how to get SECU to take this matter seriously.Business Response
Date: 01/17/2023
SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.Initial Complaint
Date:01/06/2023
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I recently got denied for a credit card due to my credit as a result of YOUR COMPANY’S FAILURE to positively verify this account.
Not only have you ignored my prior requests for validation of debt but you also continue to report this debt to the credit bureaus causing damage to my character. I am giving last chance to DELETE this on the consumer’s report at once or I will SUE your company for violations of my consumer rights as indicated under both the FDCPA and the FCRABusiness Response
Date: 01/06/2023
SECU has received this compliant and will investigate. If the complainant is a member of SECU, we will contact them directly.Initial Complaint
Date:12/28/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I noticed I had late payments from STATECU on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.Business Response
Date: 12/28/2022
SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.Initial Complaint
Date:12/19/2022
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The end of November while recuperating from a severe heart attack i contacted the state employee credit union to request I skip the month of December for paying my personal loan. I was told by the representative my balance as of that date was 335.00. I called back on December 19th to inquire about the interest rate of the loan. I was told the balance was 482.00. I’ve experienced several problems with the credit union over the past decade. I am on disability and request some assistance with this matter.Business Response
Date: 12/19/2022
SECU has received this complaint and will investigate.
If the consumer is a member of SECU, we will contact them directly.Initial Complaint
Date:12/19/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.
15 U.S. Code § 1681b REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.Business Response
Date: 12/19/2022
SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.Initial Complaint
Date:12/14/2022
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My name is *************************** and I had a very rude in counter at the back by a bank tell by the name of *****. ***** said out loud for the whole bank to hear that people are trying to get money so you need to conform information and we dont have to accept anything. ***** said that after I tried to get money off my CHIME card and the bank teller informed me that I need to call chime to increase my limit. I went to the teller after I got off the phone and went to another teller and got the money. The bank Teller that help me the 1st did a great job.Business Response
Date: 12/14/2022
SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.Initial Complaint
Date:12/06/2022
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received a notice that I have a collection from STATE EMPLOYEES CRED U on my credit report. It says it was opened on 01/01/2020 for $1,729 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.Business Response
Date: 12/06/2022
SECU has received this complaint and will investigate.If the consumer is a member of SECU, we will contact them directly. FirstPrev.NextLastState Employees Credit Union is NOT a BBB Accredited Business.
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