State Employees Credit Union

On XXXX XXXX, 2026, I received a text message purportedly from SECU asking if I had attempted a XXXX transaction for {$3800.00}. I replied " No. '' I was then immediately called by individuals who had spoofed SECU 's official phone number, making the call appear completely legitimate on my caller ID. They identified themselves as SECU fraud department representatives and told me my account had been compromised. Under their instruction, and believing I was speaking with SECU 's fraud team, I was directed to transfer {$1700.00} via XXXX as a security measure to protect my funds. They promised to issue me a virtual replacement card. This was fraudulent. The money was stolen. I filed a fraud dispute with SECU. On XXXX XXXX, 2026, SECU concluded their investigation and determined that the transaction was " not unauthorized '' because I had transferred the funds myself.…

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Dear Sir or Madam, I am writing in response to your letter regarding the alleged debt for account number [ XXXX ]. I am formally disputing this debt and request validation of the debt as required by law. Please provide the following information : State Employees credit union XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} Until you provide the requested verification, please cease collection efforts regarding this account. If you can not provide the required validation, I request that you remove this account from any credit reporting agencies and stop contacting me regarding this matter. All future communication regarding this issue should be made in writing.

My mother passed away on XX/XX/XXXX. I was on the joint deed with right of survivorship. I've been paying the mortgage each month. In XXXX the credit union 's mortgage associate that I spoke with said I could not get statement information. I continued to ask each month when I made the payment. Finally, on XX/XX/XXXX, I spoke with an associate at the credit union that got the process going after wasting XXXX month. I received a request for the death certificate and deed which had already been provided in XXXX, but I uploaded it as requested. I never heard anything else. I went to a branch on XX/XX/XXXX to make a payment and went through my story with that associate. She followed up with the main office about the status. They requested the documents that I had already sent. I sent them again. On XX/XX/XXXX I emailed her asking if she could get an update again. She hadn't heard anything, but would check again.…

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Submitted dispute to bank after return was processed through bank ( State Employees Credit Union ). Fraud department provided no resolve and stated it was my duty to find resolution. Contacted CEO twice by email to attempt resolve. Fraudulent transaction on my account in the amount of XXXX. There was {$500.00} transferred to someone on the date of XX/XX/XXXX from a service provided XX/XX/XXXX. I submitted a dispute and it was forwarded to the fraud department where it later sat for a few weeks. I was told I needed to use my own finances and find legal service due to my claim not falling in a category issued. Although the initial representative explained I had a sufficient claim and it needed to go to fraud and investigations because it was clearly fraud. I provided all information requested, and explained I had evidence needed. Never was I asked for any additional documentation.

XXXX XXXX XXXX NC XXXX XXXX XXXX NC XXXX ] XX/XX/year> Re : Request for Account Verification To Whom It May Concern, I recently obtained a copy of my credit report and noticed an account that I do not recognize. Please verify the following account : Creditor Name : Account Number : Under the Fair Credit Reporting Act, I am requesting verification of this account, including documentation bearing my signature showing that I have a legally binding contract for this debt. If you can not provide such documentation, please remove this account from my credit report immediately. Please send me written confirmation of your investigation results. Sincerely, XXXX XXXX

On or about XX/XX/year>, I deposited a check that was written to my husband. He endorsed the check and gave me permission to deposit it into our joint account. He is a co-owner on the account. Shortly after the deposit, the bank contacted my husband directly to ask whether he authorized the check to be deposited. I find this extremely concerning and inappropriate for multiple reasons. First, I am the primary account holder and the person who made the deposit. Instead of contacting me regarding the transaction on my account, the bank chose to contact my husband. Second, and most concerning, during that call the bank employee discussed the transaction without properly verifying the identity of the person they were speaking with. The employee did not confirm identifying information such as date of birth, security questions, or any other authentication before discussing the check deposit. The employee simply proceeded to discuss the transaction and request confirmation.…

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The XXXX dispute investigation team isn't authorizing any of my online payment with XXXX even though the dispute was closed. The documentation you already have from them confirms it, but the reasons they're still investigating are unknown. I was initially told they had no details of an investigation ever taken place. Complaint # XXXX by XXXX XXXX is the complaint I'm referring to. I called it a hold but it's a transaction they won't allow to go through because they're continuing an investigation to prolong me from online shopping with XXXX, for the total amount of time allowed, which is 90-days. I've asked them, several times, to give me details of their investigation and what are they investigating now that the case is closed? I've also asked them, when will their excuse of an investigation be complete, so I can do my online shopping again with XXXX? I've gotten no responses.…

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Dear SECU Dispute Department, I am writing to formally dispute the {$1200.00} transaction posted to my account on XX/XX/XXXX. This transaction was unauthorized. My phone and attached card case were briefly out of my possession after being left in the bathroom at the grocery store. When the device was returned to me, I discovered that this {$1200.00} transaction had been processed without my knowledge or authorization. I did not initiate, approve, or benefit from this transaction in any way. I reported this matter promptly upon discovery and immediately took steps to secure my account, including canceling my card. Because this transaction was made without my authorization, it qualifies as an unauthorized electronic fund transfer under Regulation E. While my PIN was stored inside my card case for memory purposes, I did not provide my PIN to any individual, nor did I authorize anyone to access my account.…

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I purchased an item on XXXX on XX/XX/XXXX, through XXXX. Item purchased was supposed to be through payment installments. Tried to cancel the order XXXX wouldnt let me. Reached out to seller SEVERAL times, no replies. Was charged the full amount and I wanted to cancel order as soon as I placed but XXXX wouldnt let me. Ask for a refund was denied for the time being. Reached out to XXXX about the order because it didnt ship in the time frame it said it was which it was supposed to arrive by XX/XX/XXXX. XXXX lied and said it arrived by XX/XX/XXXX and update the system on XX/XX/XXXX. Filed a dispute with XXXX and XXXX said they would step in to help get refund. XXXX has not helped at all and wont reply. Went to post office and to track it and the address it was delivered to is an address that doesnt exist. Seller still wont reply neither will XXXX. XXXX has scammed and charged for an item that never arrived.…

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On XX/XX/XXXX I was scammed by a person impersonating a bank official of State Employee Credit Union. The person called my phone from XXXX. The stated that an authorized amount was attempting to be withdrawn from my checking account. The person attempted to walk me through steps to replicate the transactions that they said was fraudulent by navigate me to XXXX XXXX. I told the caller I would call them back and processed to call the bank State Employee Credit Union to confirm if they were the ones that contacted me. On XX/XX/XXXX I accessed my XXXX XXXX XXXX XXXX online account and realized that a {$3000.00} loan was re-opened in my name and {$600.00} advance from my home equity loan was transferred to my checking, in which was tracked to my cashapp, and withdrawn to a pathway debt card ending in XXXX.…

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I applied for a loan and was issued a Loan Estimate stating that I qualified for 75 % loan-to-value based on an AVM. This was the Loan Estimate I reviewed and signed. Based on those disclosed terms, I proceeded in good faith and relied on that approval. In reliance on the 75 % XXXX approval, I pursued another property and incurred approximately {$2000.00} in out-of-pocket losses. After this, the lender changed the valuation and loan terms without any new information about me or the property, which materially altered the loan.They retroactively paid for an appraisal ( $ XXXX {$580.00} ) and the appraisal came back {$11000.00} lower than the XXXX XXXX I contacted the lender to request an explanation and a credit to cover my reliance losses, but we were unable to reach a resolution.

I have had four companies charge fraudulent charges to my bank account at State Employees Credit union ever since XX/XX/year>, the XXXX company is XXXX and they have been charging my account for {$29.00} a time with a small charge just before it ranging from XXXX cents to XXXX cents. My bank said they could dispute only through a certain timeframe. Please help me recover these charges.

I have fraudulent charges from four companies that showed up monthly on my bank statements, a company that shows up as XXXX and it has charged my bank account every month since XX/XX/year> for {$39.00} each time with a different charge ranging from XXXX XXXX to XXXX XXXX international charge before the {$39.00} charge. I have never authorized this charge and my bank can only refund some of the charges. Please help me to recover these funds.

I have had XXXX companies fraudulently charge my checking acct, through my debit card, since XX/XX/year>. The third company is XXXX. They charge a small amount from XXXX cents to XXXX cents and {$19.00} a month. My bank, SECU, can only dispute from a certain timeframe. Please help me recover these funds.

I have had four companies charge fraudulent charges to my bank account each month. The second one is XXXX. They have been charging {$29.00} a month since XX/XX/year> and my bank XXXX can only dispute the charges from a certain timeframe. Before it charge a debit of XXXX cents to XXXX cents has been debited. Please help me recover these funds

I am filing this complaint regarding how my credit card issuer has handled my concerns as an existing cardholder. I currently hold an active credit card/line of credit with this institution. When the issuer introduced new credit card products that offer rewards, I inquired about whether existing cardholders could be converted or transitioned to those products. I was told that I would need to reapply as if I were a new customer, which would require a new credit inquiry. I raised concerns because a new inquiry would negatively affect my credit. I am actively working to rebuild and protect my credit profile, and I am not seeking new debtonly fair access to comparable products without unnecessary harm. I asked why an existing cardholder with an established account could not be considered for conversion or an alternative solution. The issuer responded with a generic letter stating that my feedback had been shared internally, but my core questions were not answered.…

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I am filing a new complaint regarding the handling of my mortgage loss mitigation application and appeal by North Carolina State Employees Credit Union ( NCSECU ). I submitted a complete mortgage assistance application, which NCSECU confirmed was received on XX/XX/XXXX. My application was denied the following day, before a reasonable review could have occurred. I timely appealed the decision. My appeal was later denied with the explanation that my situation does not meet XXXX criteria. NCSECU has not identified which specific XXXX eligibility criteria were applied or which requirement I allegedly failed to meet, despite my request for clarification. This lack of transparency prevents me from understanding or responding meaningfully to the decision. Throughout this process, NCSECU relied on inaccurate or inconsistent information, including : Stating that a Notice of Default was sent on XX/XX/XXXX, which I did not receive.…

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I was a victim of fraud on XX/XX/2025. I had a person claiming to be with State Employees Credit Union fraud department. They had me go into XXXX XXXX and took money from me. The amounts are {$1000.00}, {$1300.00}, {$1500.00}, {$1900.00} and {$2000.00} which totals to be {$7700.00}. I filed a dispute towards these charges with my bank within the next day when I found out that my checking account was hacked. My bank never notified me. I called them around a week ago and asked them had they found out any more info regarding my fraudulent charges on my checking account. They stated that they could not help me since the charges happened through XXXX XXXX that unfortunately they can not trace it. I am so upset that my bank can not even help me during this. The imposter impersonating them was claiming to be my bank. I don't understand how they can not help me.…

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Regarding Complaint # XXXX AND # XXXX : The response I just received in the mail is completely inaccurate regarding my Mortgage Assistance Application. It does not include my hardship date that started XX/XX/XXXX and the failed payment plan proves my hardship. My mortgage assistance application completed on XX/XX/XXXX was denied the very next day ( XX/XX/XXXX ). NCSECU didnt even take the appropriate time to review the application. This letter also states that a Notice of Default Letter was sent on XX/XX/XXXX. This is completely false. I even spoke to 2 different mortgage reps who stated that the letter had never been sent because inaccurate information was on the letter. I recorded these calls. NCSECU is not being truthful. I have been in this house for almost 5 years and they are flat out refusing to help me and giving false information. I would like this escalated.

Dear STATE EMPLOYEES C U, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…

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I am submitting this complaint regarding the handling of my loss mitigation application by NC State Employees Credit Union ( NCSECU ). My completed mortgage assistance application was received by NCSECU on XX/XX/XXXX and denied the following day, XX/XX/XXXX. I was advised by phone that the denial was based on the assertion that my XX/XX/XXXX job loss did not cause my delinquency because I was already behind prior to that event. This reasoning fails to consider my documented cumulative and ongoing financial hardship, which began well before XX/XX/XXXX and was materially worsened by the loss of employment. I was also informed that I have XXXX calendar days from XX/XX/XXXX to appeal the decision, despite not yet receiving a written denial letter or appeal instructions. Denying a completed application within one day, without meaningful review, and starting an appeal timeline before providing written notice raises concerns regarding fair loss mitigation practices.…

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I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Detected fraud on account on XX/XX/XXXX noticed a odd charge later on that had occurred the day prior thorough identity iq for XXXX dollar the fraud charge was for XXXX XXXX XXXX through XXXXXXXX XXXX the bank issued me a provisional balance of XXXX after investigation the reversed those funds sent a later stating I was at fault, upon overlooking the details the merchants sent to the bank the user created an account in my name stole my social security number my debit number including my cv2 number and also added a XXXX to the account with my name on the XXXX that is not affiliated with me the user email is also not affiliated and the phone number provide for the account is not affiliated with me upon finding this out I made a police report in XXXX XXXX and researched my next steps to try to get the return of my funds for fraud and identity theft

Institution : State Employees Credit Union ( SECU ) Incident Date : XX/XX/XXXX Amount Lost : Approximately {$4000.00} Issue Type : Fraud / Failure to Act/ Violation of Member Rights On XX/XX/XXXX, I received a phone call from a number that appeared on my caller ID as the fraud department for State Employees Credit Union ( SECU ). Upon answering, the individual identified himself as an SECU fraud agent and stated he was calling regarding suspicious charges on my account. The caller accurately listed several fraudulent transactions, which led me to believe the call was legitimate. He then identified XXXX additional larger transactions involving third-party transfers via XXXX XXXX and XXXX XXXX XXXX which I also confirmed were unauthorized. The caller stated he would place me on hold to contact the third-party institutions.…

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Beginning in XX/XX/year>, a fraudulent auto loan was opened in my name for approximately {$15000.00} without my knowledge or authorization. The following month, in XX/XX/year>, another fraudulent accounta credit card with a credit limit of approximately XXXX XXXXXXXX also opened without my consent. I did not apply for, authorize, or receive any benefit from these accounts, and they immediately began reporting negative information and were later charged off. These identity theft incidents occurred immediately after the Equifax data breach and the XXXX XXXX XXXX, during which massive amounts of consumer identity data were exposed. Shortly after these breaches, multiple inaccurate, incomplete, and unverifiable entries began appearing on my credit reports, including the fraudulent auto loan and credit card account mentioned above.…

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I've had several fraudulent claims with XXXX about Merchants taking money out of my account and not returning the funds. They have not informed me about any updates nor have they given me any proof that they have spoken to the merchant or that the dispute is being taken care of. My personal information also has been compromised with this happening.

I am currently disputing with XXXX and XXXX XXXX failed to provide the services contracted. I consistently experienced unreliable and inadequate internet service, which caused financial harm. When I attempted to dispute the charges directly, XXXX representatives refused to provide me with the official dispute fax or mailing address, effectively denying me a valid dispute channel. Further, XXXX has also partnered with my housing authority to bundle services into my rent without my consent, creating a double-charge situation I am being billed directly and indirectly for services I did not agree to or receive properly.

This is my second complaint regarding SECU. Fraudulent activity has increased since my first filing, and SECU has retaliated by closing my account, altering my security settings, and refusing to provide required documentation. 1. Unauthorized ACH Debits Are Still Posting Fraudulent ACH debits labeled XXXX XXXX RETURN FEE and XXXX XXXX RETRY PYMT continue to hit my account. These charges do NOT exist in my XXXX purchase history. SECU refuses to block the originator or release the required ACH trace numbers. 2. Transactions Are Being Back-Dated and Manipulated Multiple transfers and debits were re-dated to make fraudulent activity appear legitimate. Ledger entries are being changed after the fact, including during overnight hours. This is not consumer error it is internal or system-level manipulation. 3.…

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Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/year> State Employees Credit Union XXXX XXXX XXXX XXXX, NC XXXX Re : Notice to Cease Communication Regarding Alleged Debt To Whom It May Concern : I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to cease all communication with me regarding any alleged debt you claim I owe. Under federal law, once a consumer notifies a debt collector in writing to cease communication, the collector must stop contacting the consumer except for the limited purposes allowed by statute, including : 1. Advising that further efforts to collect the debt are being terminated ; 2. Notifying that certain remedies may be invoked ; or 3. Notifying that the collector intends to invoke a specific remedy.…

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I am disputing the collection account with XXXX XXXX STATE EMPLOYEES CRED U - XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.