State Employees Credit Union

The whole town of XXXX NC XXXX XXXX XXXX me out of my money my father left me XXXX XXXX XXXX this is XXXX XXXX XXXX he left me a offshore account. And they all said I could not have it until they all get enough to retire on. The have the XXXX involved and I can not do anything about it they use XXXX to torcher me and hack my phone and the XXXX hacks it my brother works for them so it's hard to get anything done they all betrayed me for the money.

This is XXXX XXXX XXXX son of XXXX XXXX. I made a investment in XXXX with state employees credit Union in XXXX NC XXXX XXXX. And was supposed to take over the account at XXXX XXXX XXXX. 10 months ago. And they stole my account. They were two other names on the account XXXX XXXX, and XXXX XXXX. And I had my son as beneficiary of death and they took him off the account. And I can not get anyone to help me with it in this town.

This account is reporting inaccurate and inconsistent payment history and status. I am requesting full verification of all reported information, including payment records and account status. If this can not be verified, I request removal.

This company is the worse to work. Have tried numerous times to get help. And they have done nothing.

Subject : Rebuttal to XXXX Response CFPB Complaints XXXX & XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Consumer Financial Protection Bureau XXXX XXXX Rebuttal to XXXX Response CFPB Complaint IDs : XXXX & XXXX Dear CFPB Dispute Resolution Team, I respectfully rebut the response from State Employees Credit Union ( SECU ), XXXX XX/XX/year>. XX/XX/XXXX denial relies on the facts that the disputed transactions originated from my device, IP address, and phone number, and that I confirmed authorization. This reasoning does not address the core issue : I did not knowingly or willingly authorize these transfers. My actions occurred while I was being deceived in real time by individuals impersonating my financial institution. Key facts : XXXX. On XX/XX/year>, I received a text message appearing to be a fraud alert from XXXX regarding a XXXX XXXX transaction for {$3800.00}. XXXX.…

Hello! I am asking for CFPB assistance because I have spent more than XXXX hours on the phone with both State Employees Credit Union ( SECU ) and XXXX XXXX ( XXXX ), and I still can not get a clear explanation of what happened to a {$2000.00} ACH return that XXXX sent to XXXX on XX/XX/XXXX. The return never posted back to my XXXX checking account, and I have been unable to resolve the issue on my own. XXXX confirmed that the XX/XX/XXXX return was sent to XXXX and provided me with the trace ID ( XXXX ). They explained that because the payment and reversal happened on the same day, their system treated it as a washout, meaning the debit and provisional credit canceled each other out internally. However, this does not reflect what happened in my XXXX account. The {$2000.00} did leave my XXXX account, and the return never posted back to restore the funds.…

NC State Employee Credit Union has ruined my credit with charge offs/collections. From XX/XX/XXXX to XX/XX/XXXX, I have been trying to pay off this credit card loan due to a closed checking account from State Employees Credit Union. They have reported my account CHARGED OFF on my credit report and I want it to be deleted and gone. On XX/XX/XXXX I moved away from NC State Employees Credit Union and was unable to directly have access to the branch. That was no problem at all. Thankfully, my checkings account was still available. I was able to pay my balance off of my credit card linked to NC SECU and transfer money to my credit account from my checking account. Additionally, my primary bank was Navy Federal Credit Union. Ive been transferring money from Navy Federal Credit Union to NC SECU just for my convenience.…

Subject : Formal Complaint Credit Reporting Inaccuracy and Lack of Consumer Notification ( SEFCU Account ) To Whom It May Concern : I am submitting this formal complaint regarding the credit reporting practices of State Employees Federal Credit Union ( SEFCU ) and the continued reporting of isolated 30+ day late payments on my account. The specific late payment notations in question occurred in : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Outside of these isolated instances, I have maintained an otherwise consistent and responsible payment history. Additionally, I have had other credit obligations wi th SEFCU, including an auto loan, which was never reported as 30 days late, further demonstrating my overall pattern of timely payment and good-faith account management.…

On XX/XX/year> I received a text and spoofed phone call from The NC State Employees Credit Union that my account was in the {$3200.00} negative due to a cash app transaction and the bank impersonator asked me if I authorized this transaction. I told them no. They stated that someone was attempting to fraudulently withdraw money from my XXXX XXXX account and that my account had become negative as a result. They instructed me to remove my debit card from XXXX and provided me with information for a XXXX card to add instead. They told me they were restoring the funds to my account ; however, this resulted in money being taken from my account. A total of {$3800.00} was withdrawn. The problem is that I only had {$32.00} in my bank account. I had {$1000.00} in my savings that had overdraft protection on it. I also have a credit card with XXXX.…

State employee credit union is reporting an account on my report that I have disputed multiple times because they deleted it once but reinserted it back without notifying me. Despite sending two certified letters, the account remains on my report. The creditor and and the credit bureaus have not provided verification or documentation of the debt, which violates my rights under the fair credit reporting act. I am requesting immediate deletion of these accounts. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

5 years ago I charged {$4400.00} at one time to pay off bills from State Employees Credit Union ( SECU ) XXXX Credit of {$4400.00} Except for one payment of {$800.00} I have consistently paid {$100.00} per month, after 5 years this is a total of {$6800.00} I made a few charges over the past 5 years not over {$500.00} So grand total I've paid in the past 5 years of {$6300.00} Yet my current balance was and had remain {$4400.00} the ENTIRE 5 YEARS! Until I brought this to the attention of SECU 3 months ago which loan officer ALSO said " This is not right ''. Find out that this XXXX through SECU is NOT an SECU visa rather a third party XXXX operating through SECU. No one within this XXXX would speak to me OR the loan officer at SECU! Now that I have brought this to the attention of this " XXXX '' still paying {$100.00} a month my balance of {$4400.00} has went down {$700.00} ( finally going down ).…

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.…

Someone called my phone pretending to be the bank and accessed my account and took my money from me. In the amount of XXXX dollars

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.…

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.

please reference XXXX XXXX XXXX XXXX XXXX unauthorized promissory note, documentation, signature, request. All Accounts receivable loan and documentation request not yet received. Money taken from other accounts unknowingly, Including other accounts such as XXXX pensions.

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.…

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.…

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.…

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.…

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.…

I did a voluntary repossession with the XXXX I was told that they would then send a letter stating the balance of the loan once the vehicle sold. I have reached out several times in hopes of an explanation and they have yet to let me know anything.

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 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.…

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 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 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.