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Business Profile

Credit Union

State Employees Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for State Employees Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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State Employees Credit Union has 62 locations, listed below.

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    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 Complaint

    The 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Good day. I visited the *** in ******* off ************. I took out ****** and was charged a 3.00 feel from the Navy Federal Debit Cart ending in 5245 and the machine never dispense the money and immediately went out of order the ***. This was charged to my Navy Federal Credit union account. I contact Navy Federal Credit, and they advised to make State Employees Credit Union aware. This happened on March 14, 2025 between 10:30-10:45am. I went directly in the branch afterwards to speak with someone, and the lady up front just shook her head as if she didn't even care I didn't receive my ****** from a broken *** machine. She sent me to a teller who didn't care as well and said you need to contact Navy Federal. The 500 I took out was to help my daughter pay her rent by the 15th. I asked can I get some type of proof or time stamp the machine didn't dispense my 500 and she said you have contact Navy Federal which I didn't understand your machine at SECU didn't dispense my ******. The branch location was ******************** branch at **************

      Business Response

      Date: 03/17/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:03/17/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      Please see attachment

      Business Response

      Date: 03/17/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

      Customer Answer

      Date: 03/17/2025

       
      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:03/03/2025

      Type:Billing Issues
      Status:
      Answered
      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 am writing to dispute the entry on my credit report related to ******XXXX with State Employees Credit Union, which was reported as a debt write-off. I understand that the debt has been written off, but I have not received a 1099-C form for the canceled debt, as required by the Internal Revenue Code (IRC) and the *** regulations for canceled debts of $600 or more.According to the Fair Credit Reporting Act (FCRA), any information that is reported to a credit bureau must be accurate and complete. The failure of the creditor to send me the 1099-C form is a violation of IRS rules and may also violate the **** in regards to the completeness and accuracy of the information reported on my credit file.The IRS requires that creditors send a 1099-C form to individuals whose debt has been canceled or discharged. If the creditor fails to do so, this omission may be grounds for having the negative information removed from my credit report as inaccurate or ************* the creditor has failed to provide the 1099-C form, I request the immediate removal of the account associated with State Employees Credit Union, 1-27-2022 and 3-4-2021 with account number ********** from my ********************** report. Failure to do so may result in further legal action based on violations of both *** regulations and the Fair Credit Reporting Act.Please confirm the removal of this entry from my credit report and provide written documentation within 30 days from the date of this letter, as required by the *****

      Business Response

      Date: 03/03/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:02/24/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 pandemic put a strain on my finances and until this present day still have lingering effects. A solution is negotiable in hopes of coming to agreement for a resolution.

      Business Response

      Date: 02/24/2025


      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:02/20/2025

      Type:Billing Issues
      Status:
      Answered
      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 am disputing the inaccurate reporting of purported late payments on my consumer report. Under 15 U.S.C. 1681a(2)(xi), I am recognized as a Federally Protected Consumer, and any inaccurate reporting of my payment history constitutes a violation of my rights under federal law.Pursuant to 15 U.S.C. 1666b and 15 U.S.C. 1637b, creditors are required to provide accurate billing statements and ensure payments are processed within a reasonable timeframe before reporting delinquency. Additionally, under 12 CFR *******, I have the right to dispute billing errors, and the reporting entity must conduct a timely and thorough investigation.Furthermore, the inaccurate reporting of these alleged late payments constitutes fraud and defamation, as false information on my consumer report directly ***** my financial standing and reputation. In accordance with my rights, I formally demand the following:Immediate removal of the inaccurate late payment entries from my consumer reports Equifax, TransUnion, and Experian.A written statement confirming the correction upon completion.The Forward Flow Agreement and Chain of Title for this account, proving lawful assignment and ownership of any debt being reported.A full investigation into the source of this erroneous reporting, including documented proof of the alleged delinquency.This letter serves as formal notice under the Fair Credit Reporting Act (FCRA) and Fair Credit Billing Act (FCBA) that failure to comply with this request may result in potential legal action.I expect a full written response within 30 days as required by law. Please confirm receipt of this dispute and provide updates on the resolution process.Sincerely,By: ******, **** ***** *** Without Prejudice, All Natural Rights Reserved, UCC 1-207/1-308

      Business Response

      Date: 02/21/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

      Customer Answer

      Date: 02/24/2025

      ************** State Employees Credit Union is aware that I am a bank member and have been a bank member for more than 7 years. Per contract and per my rights SECU is required to VALIDATE their purported late payments claims that are harming my ability to purchase household items with my credit; meaning provide all organic applications/promissory note and documents/Forward Flow Agreement/ Chain of Title/Original Creditor/Accounts Payable ledger/Prospectus Supplement,  etc as I demanded in my initial complaint letter submitted through the BBB. Copies and reprints shall not suffice. I **** ***** ****** ** am a Federally Protected Consumer, ************************* Member # ****** as well as a Shareholder in SECU. Upon no Validation of SECU purported late payments claims SECU SHALL remove and delete all fraudulent reporting from all of my consumer reports; TransUnion, Equifax, Experian, LexisNexus, Innovis, Sagestream, etc. If further defamation of character, fraud, copyright infringement, and injury to my credit standing is continued by SECU I shall seek litigation, file complaints with FINRA, Postmaster General, UPU, FTC and all other Governing Bodies for Credit Unions 
      Complaint: 22969478

      I am rejecting this response because:

      Sincerely,

      ******, **** ***** ** 

      Without Prejudice, All Natural Rights Reserved, Copyright Notice 1984-2025? 


      Business Response

      Date: 02/25/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

      Customer Answer

      Date: 02/25/2025

       
      Complaint: 22969478

      I am rejecting this response because:
      I have not received all demanded documents per contract and per my rights as the account owner and shareholder nor have I received a written response regarding the correction of SECUs claims on my TransUnion, Equifax, Experian consumer reports. Furthermore the purported late payments per 15 U.S.C. 1666b and 15 U.S.C. 1637b are being fraudulently reported to my consumer reports. SECU now has less than 30 days per **** and governing laws to VALIDATE their claims of late payments by providing all demanded documents per my original complaint or Remove and Delete their fraudulent reports from all of my consumer reports. 
      Sincerely,

      **** ****** **

    • Initial Complaint

      Date:02/12/2025

      Type:Billing Issues
      Status:
      Answered
      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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

      Business Response

      Date: 02/12/2025

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:01/14/2025

      Type:Product Issues
      Status:
      Answered
      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 1/3/2024 I reported a vendor that did not render their services in which they were paid a partial deposit to appear, in the amount of $150.00. Despite not appearing for scheduled appearance, the vendor has failed attempts to provide an adequate refund.Despite being a loyal SECU member, the associate stated that I would receive a Provisional Credit while the investigated continued. This has been in excess of the quoted 10 days as provided by SECU.

      Business Response

      Date: 01/14/2025

      SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

      Customer Answer

      Date: 01/14/2025

       
      Complaint: 22808120

      I am rejecting this response because I need to granted provisional credit because this is posing a financial hardship. They are more than willing to retrieve this $150.00 if they prove to find otherwise. I cannot believe that my banking institution is taking me through so many changes.

      Sincerely,

      ******** ****

      Business Response

      Date: 01/16/2025

      SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:01/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 Debit card and Credit card was hit for fraud. The refuse my fraud claim. Then didn't have a reason last Friday. They told me 1 had to be generated. Then 3 months ago I did an home equity loan. The loan officer talked to me multiple times on the phone the loan amount was supposed to be $75,000.00. So the morning of closing she changes the amount to $61,000.00. Then told me it was nothing the could do. So the gave me a personal loan that was 3% higher. I think I've been discriminated against! I'm going to speak to a lawyer as well. I'm an Iraqi War Veteran, I can put my life on the line for my country. But can't be treated fair at home is just sad!

      Business Response

      Date: 01/21/2025

      SECU is investigating the complaint and will respond directly to the complainant.

    • Initial Complaint

      Date:01/06/2025

      Type:Product Issues
      Status:
      Answered
      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 friend gave me a SECU gift card but it didn't work in the store. I called your support number and agent is asking the registered name for gift card. How do I know what name SECU is putting in their system when it is a gift to me from someone? please suggest.

      Business Response

      Date: 01/16/2025

      SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

    • Initial Complaint

      Date:12/16/2024

      Type:Delivery Issues
      Status:
      Answered
      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.
      Dispute of Chargeback ************** Resolve Online VROL Case Number ********** Dear State Employees' Credit ****************************** River Bank,I am writing to formally dispute the recent chargeback decision regarding the transaction of [Amount: $73.00 USD] for the purchase made on Oct 3, 6:54 PM The dispute was initiated under Category 13.1 Merchandise/Services Not Received. Info VROL Case Number **********.Card/Acct #: ******************* **** ID: *************** ARN: *********************** Retrieval Ref#: ************ Issuer: State Employees' Credit Union CH Name: ****************** Acquirer: Cross River Bank Retrieval Ref#: ************ Jurisdiction: DOMESTIC-US Upon reviewing the case, I would like to bring to your attention that the merchandise was, in fact, delivered to the customers address. I provided the tracking information for this shipment, which clearly shows the item was delivered to the address on file address, and delivery showing the correct address and matching zip ******** Tracking: 1Z6F22060396459440 Delivered To ZIP Code: ***** US The customers claim that they did not receive the merchandise is inaccurate, and I believe the chargeback decision was made in error. I kindly request that you review the documentation again, including the tracking details, delivery confirmation, and proof of the correct address, and revise your decision to reflect the reality of the transaction.Please let me know if you require any additional documentation or clarification to assist with the re-evaluation of this case.Thank you for your attention to this matter. I look forward to your prompt resolution.Sincerely,***** ******* ****** ******************** ************ VROL Case Number **********

      Business Response

      Date: 12/27/2024

      SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

    State Employees Credit Union is NOT a BBB Accredited Business.

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