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State Employees Credit Union

1000 Wade Ave, Raleigh, North Carolina, United States, 27605-1157

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Reviews Credit Union State Employees Credit Union

State Employees Credit Union Reviews (%countItem)

I am 18 years of age and I asked SECU to remove my name from a joint bank account and cashpoints global account and they refuse to do so.
I called the State Employee's Credit Union and asked them to remove, cancel, close all accounts I have at SECU and they refuse to do so. *** advised me via telephone today that I have a joint bank account shared with my father and a cashpoints global account. I asked her to close this account today and she refuses to do so. I do not want any of the money from the bank accounts, I simply want to cancel/close all SECU accounts and remove my name from any and all accounts at the SECU bank. I followed up with an email that *** requested (attached). *** called me back and stated that I cannot close these accounts without going to a notary first. I am 18 years old and have a health condition in which I cannot risk contracting COVID.

Desired Outcome

I would like to be taken off any accounts shared with my father. I would like to cancel/close cashpoints global and have me/my name taken off the account. I would like to cancel/close the bank account and have the check sent to the address on file with the bank (not mine). I do not want any of the money, I simply would like my name and all accounts under my name canceled and closed. Holly states that she is not willing to close this account. I spoke to *** the manager and she has not resolved this issue. I do not want any association with SECU bank. I have my own bank accounts elsewhere.

State Employees Credit Union Response • Sep 15, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Customer Response • Sep 15, 2020

SECU has not resolved this issue. Beth from SECU is unwilling to send me the necessary paperwork to my address that I need to complete. I have offered to speak to her video chat and send her a copy of my license. She states that I have accounts at SECU, however will not send me statements or information on the accounts. I have never received any statements or information on these accounts. All the information has been going to my father's address on file with the bank, not my home address. I have never seen any statements from SECU, nor do I have access to accounts that are under my name. These accounts were opened without my consent and I have no access to these accounts. I would like my name removed off of these accounts immediately. I would like any accounts under me/my name cancelled/closed and I do not want any relationship with SECU. Beth is trying to get my personal information to relay to my father. My father refuses to take me off these accounts. I am 18 years of age. I would like to be removed from all accounts at SECU. SECU is not providing me with the paperwork needed to close these accounts.

After paying off my auto loan off Completely yesterday By paying the entire balance. The credit union is charging another 4.11 interest for today.
After completely paying off my car loan ending in 1001, the bank is holding up my title process by charging me more money.

Desired Outcome

Send my emergency request to the DMV for an instant title.

State Employees Credit Union Response • Aug 19, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com(Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

This bank is so outdated. If you lose your card be prepared to hav to wait weeks if you aren't lucky for a new card to arrive in the mail. The services here are just behind in times, I signed up a few years back with my mother but even she is leaving because they don't offer much like other banks do... Please reform this bank with new services. It's going to be 2021 soon but it operates like 1995.

State Employees Credit Union Response • Aug 17, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Disrespectful Behavior of bank tellers ***, *** and ***. Making rude and derogatory comments about customers

Desired Outcome

Contact by the Business Contact my business

State Employees Credit Union Response • Aug 17, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

After I have paid them over 30,000 for a vehicle they financed 6 years ago, the SECU has decided to take claim of the vehicle.
The SECU filed paperwork to possess my 2011 Cadillac CTS even though payments are current.

Desired Outcome

SECU should not try to possess my vehicle.

State Employees Credit Union Response • Aug 05, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

This complaint is about SEC's unwillingness to honor its 10-year auto loan (new vehicle) option for grandfathered customers.
Here's the nutshell version of this complaint. As a long time customer of SECU, I financed/paid off a 10-year auto loan within 2 years. No late payments, delinquencies or other occurrences. I am now interested in purchasing another new vehicle. I'm told the loan option is no longer being honored. This is a material breach of my membership agreement with SECU. To resolve this issue, I would like the ability to seek approval for the 10-year auto loan.

Desired Outcome

I would like the ability to seek approval for the 10-year auto loan.

State Employees Credit Union Response • Jul 28, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Customer Response • Jul 29, 2020

I would prefer for SECU's response to be submitted via this forum, unless my request for remedy is being honored.

State Employees Credit Union Response • Aug 04, 2020

This is a follow up to note that we (SECU) have responded directly to this member.

NCSECU sent a pre-escheat notice to an outdated address. When I did get the notice NCSECU refuses to release my funds to me.
NCSECU sent a pre-escheat notice to an outdated address. I confirmed when calling them they had my current address but did not send the pre-escheat notice to the most recent address. When I did get the notice (the gentleman that purchased our former home was kind enough to forward to me) NCSECU refused to release my funds to me. They suggested I visit a branch in person (nearest branch is over 1,000 miles from my current home) or access online to make the request. They refused to assist me with my online access without sending me a new debit card (I do not wish to do new business with NCSECU) or getting a letter notarized (I'm in a COVID hot spot in *** TX and I do not wish to endanger my family by going out to get a document notarized). NCSECU has plenty of data to authenticate me in order to release the funds. This interaction occurred in 15 July 2020 via their call center at ***. The account in pre-escheat ends in *** with a balance of 33.80 owed to me.

Desired Outcome

Please release my funds. This is my money that I deposited with your Credit Union and it should be released to me immediately.

State Employees Credit Union Response • Jul 17, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

We chose Secu the bank to manage our trust but after the trust was transferred we were informed that secu corporate was the manager.
We were given a Trust at 6he time of my father's death and were ask to select a trustee. Because we had enjoyed a good relationship with SECU we chose them to be the trustee of the trust.

It took a while to transfer the trust and in the meantime we made careful consideration as to how we were going to use some of the funds right away in repairing our house and other needful things.

When the trust was completely transferred we found that our bank was not the trustee of the trust but rather SECU Corporate which made us feel that it should have been explained better. But when we read the online mission and history statement we felt a bit relieved.

Things quickly turned south when we began to make requests for funds from the trust that had to be submitted to a committee who didn't know us or the careful thought that had gone into our requests because we want it to last through the lives of our children.

All of our requests were turned down or made complicated by the committee.

An example of how our requests are treated as insignificant is the request we made to pay a contractor $7,500.00 to repair electrical and plumbing issues in our house. The committe only approved half the amount we no explanation as to the mechanics of their decision. This was the last straw and proved the committee felt they could act with impunity and there was nothing we could do about it.

We have requested that SECU Corporate resign as the trustee of the trust so we might choose another trustee more responsive to our needs and who wants to know us and treat us according to the golden rule as stated in the misleading mission and history statement. But they refused. We ask them why but to date have not received a response.

We have submitted so many emails requesting answers to our questions but have not received any answers in over eight months.

We are treated as if we don't matter. We feel that all they wanted was to get their hands on our trust the golden rule be damned.

I am writing you because we have no other avenue to use in making the best of this situation. We just want to know why they cut our contractors estimate in half which you can imagine made things very difficult for us because some of his costs included installation of things to be supplied by us which weren't even considered for approval by the committee. A seemingly slip shod operation that makes it up as they go along proving that our needs don't really matter and that we have no recourse. There are no checks and balances in place and the committee can act with absolute impunity. We have no one to turn to when we feel we have been treated unfairly.

We made a mistake in choosing SECU to be our trust manager and SECU doesn't pay any attention to our pleas to resign nor have they made any effort to address our grievance or try to make things better.

If you can help us it would be greatly appreciated.

***, beneficiary

Desired Outcome

We would like secu corporate to resign as the trustee of the trus as we thought we were dealing with our bank, secu

State Employees Credit Union Response • Jul 13, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Because I owe SECU money on my credit card account, I have been denied my right to a new PIN number for my ATM card so I can avoid the Corona Virus.
I have a auto loan account with SECU. I pay 424 a month for my 2010 Cadillac CTS coupe and I current on my payments. When I called to get a new pin #, I wax denied my right by an employee named*** (Employee # ***). But Because I owe SECU money on my credit card account, I have been denied my right to a new PIN number for my ATM card. Their denial violates my right to avoid the Corona Virus by avoiding personal contact in the drive through. After calling customer service for a new PIN number, I was told I was not going to receive a new one until I paid the 1614.00. Violation of General Statute 75-1.1 Unfair & Deceptive Trade Practices Under North Carolina Law

Desired Outcome

I need a new ATM card and PIN number for my car loan account (***) sent to my address above.

State Employees Credit Union Response • Jun 25, 2020

State Employees' Credit Union (SECU) has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

Customer Response • Jun 25, 2020

The only way I will accept a phone call as a resolution is if Rosemary calls me back herself. Her employee number was given previously. She is the one that denied my right to a new PIN number for my card.

State Employees Credit Union Response • Jun 25, 2020

State Employees' Credit Union (SECU) has spoken with the member and resolved this issue.

SECU want deleted fraudulent account.
I previously sent two letters to State Employees Credit Union letting them know that I'm a victim of identity theft and this fraudulent account on my credit report needs to be deleted. In their first response letter on March 24th, they told me that it looks like a credit repair company is disputing this item instead of myself so I filed a complaint against them with the ***, then in the response letter, they sent me on June 2nd of 2020 they told me to update my contact information by going to www.ncsecu.org or visit a local State Employees Credit Union branch. This is totally absurd because I am not a member with State Employees Credit Union but they're asking me to log in to my State Employees Credit Union account in order to update my address because they don't have it on file but once again I'm not a member with them so how can I go online and update my information with them if I'm not a member. Then finally in their response letter dated June 10th they told me that they're not going to investigate further because I have not updated my information as they told me on the letter dated June 2nd but once again I am not a member of State Employees Credit Union. I sent State Employees Credit Union copies of my police report my F identity theft affidavit along with my driver's license Social Security card a utility bill and the fraudulent driver's license that I received from officer *** with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.

Desired Outcome

This fraudulent account needs to be deleted.

State Employees Credit Union Response • Jun 18, 2020

Thank you for your correspondence. Using the information provided by the Revdex.com we respond directly to Ms.

When applying for my car loan while at the dealership, I was given a different monthly payment amount than what I am currently being billed for.
I called SECU at 888- 732-8562 on 2/1/20 to apply for an auto trade-in loan and was directed to representative ***. I specified that this would involve a rollover of my current loan with SECU that included negative equity several times throughout the almost 90 minute interaction with her. *** stated my monthly payment amount would be $483, to include the required Gap insurance coverage and would be for the maximum loan length available, which I believe to be 72 months. This was acceptable to me as my monthly budget was $500. *** sounded very hurried to finish the call and I had to ask questions that I believed (based only my previous experiences) to be standard when applying for any type of loan. This included questions on interest rates, payment dates and methods of payment otherwise *** did not offer any of this information to me proactively. The dealership asked that *** remain on the phone to ensure she received the faxed paperwork. Upon receipt, she said that the paperwork included my trade in which again, I'd already spoken of multiple times. Due to this, *** said I would have to increase my down payment which I agreed to. I concluded the trade in and drove off with my new vehicle. When home, I had additional questions about my loan in which I made 3 additional phone calls to the same phone number over the next 2 days. I did not collect those reps names but they apologized for my experience, noting the information should've been covered during my loan application call.

On 2/4/20 I logged in to my online banking to see that the loan was showing on my account but for $40 more monthly than what I'd agreed to over the phone with ***. I called in to the same phone number and spoke with supervisor, ***. After not being able to resolve it with her, I was transferred to manager, ***. *** said that he was able to see that *** ran two auto applications and could see the first one included the monthly payment amount that I was provided. He said that he reached out to the VP of the branch that *** was associated with (I didn't collect his name) but he was unable to assist. *** ultimately offered to extend my loan term an additional year to lower my payment but I declined because I didn't want to pay the additional $2000 including interest that would mean for me overall. I am said that the only other option he could offer was for me to return my vehicle to avoid the loan but I let him know that was not an option because I'd already called the dealership and they advised my previous vehicle had already been sold at auction. I asked *** about my options of having the sales call reviewed and he said that I could request it but that it would take 7-10 days and if additional information was needed, I would be contacted via email.I specifically asked him to request either a written transcript of the call or an exported. wav file of the call. He said one of those should not be a problem. To date, I have not received either nor has ANYONE called to follow up on my complaint which leads me to believe that even after owning up to the error of ***, SECU expects me to bare the financial consequences of her negligence which is unacceptable to me. Since then I have visited a Durham branch which was unable to pull the level of detail needed due to it being a phone transaction. I was also contacted by *** this month in regards to a packet I should've received in the mail but was glad to tell me that while she did not work in that dept. & could not see the details of what I was referring to, what I was looking for was not possible and that I could not request the call to be reviewed. I'm quite dismayed by her lack of professionalism and this overall experience with SECU. I've made my due payments over these few months and I will continue to make them but I do expect SECU to review the call and rectify this issue.

Desired Outcome

I am looking for the original sales call to be reviewed and provided to me in either of the two methods requested and for the monthly quoted amount to be honored, effective the start date of the loan.

State Employees Credit Union Response • Jun 11, 2020

The State Employees'Credit Union is in receipt of this case from the Revdex.com(Revdex.com). Using information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

State employees credit union cashed approx 7000 dollars of fraudulent checks against our SECU account.
During the month of July, 2019, and half of August, 2019, thousands of dollars were cashed by SECU under a fraudulent signature that looks nothing like my signature. They continued until approx. $7000 was taken from my account. They refuse to take any responsibility for their actions. They are also refusing to let the compliant get any further than their branch. Even after reviewing copies of the fraudulent checks and agreeing that it was fraudulent signatures they still did nothing.

Desired Outcome

Refund money handed over, by SECU, back into my account.

State Employees Credit Union Response • May 08, 2020

We are in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of State Employees' Credit Union and if so, we will respond directly to the member.

Customer Response • May 15, 2020

NO response from SECU. JUST as I suspectecd. What else can I do??? Do you have a number for secu? Let secu know that I can callthem

State Employees Credit Union Response • May 15, 2020

A letter in response to this case was mailed to Mr. on May 8, 2020.

I called state employees credit union per *** request to receive a refund and they sated that I needed to go through this process.
I have reached out to ticket master to recieve a refund and their response is below. I then reached out to state employees credit union as stated by *** and they stated that I needed to follow up with the Revdex.com for a refund.

04/29/2020 Send Business' Rebuttal Response to Consumer
04/20/2020 Received Business' Rebuttal Response
Dear Ms.: I'm truly sorry but this event took place as scheduled and as advertised all monies have been settled with our client. All sales are final. Please contact your issuing credit card company and have them work with us regarding a dispute. Thank you *** Consumer Support Specialist

04/20/2020 Forward Consumer Rebuttal to Business
04/13/2020 Revdex.com Reviews Consumer Rebuttal to Business Response
(The consumer indicated he/she DID NOT accept the response from the business.)
After the concert was held multiple people were diagnosed with Covid19 according to the news and observer at the following link. ***
No company should should risk employees and consumers health by requiring them to follow through on an agreement made prior to an epidemic. I really would like to come to a resolution of a refund without further legal action. Thanks in advance for your time and consideration.

04/13/2020 Forward Business response to Consumer
04/06/2020 Receive Business Response
Dear Ms.:

I am in receipt of your recent complaint submitted to the Revdex.com. *** thanks you for bringing your concerns to our attention.

As you will recall, you are requesting a refund on tickets purchased for The *** schedule at the PNC Arena on Friday, March 13, 2020. I'm sorry that you were not happy with utilizing *** but this event took place as scheduled and as advertised all monies have been settled with our client. All sales are final.

Thank you for the opportunity to respond and address your concerns.

Sincerely,

***
Consumer Support Specialist

Desired Outcome

I would like a full refund to my account

State Employees Credit Union Response • May 05, 2020

We are in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of State Employees' Credit Union and if so, we will respond directly to the member.

Branch of the State Employee"s credit union is offering Low-CostTax Preparation. One of the items required is the Social Security Card, I asked why did I need my Card if I am single no dependents. I was told that it is a IRS regulation that a copy of the card be in the packet along with my other Picture ID. I checked with the IRS website and could not fine that I would need my Social Security Card, just need the number or my Tax ID number because a card or Social Security Number is not a requirement to file Tax's
Product_Or_Service: none

Desired Outcome

Other (requires explanation) Proof that this is an IRS regulation. I could have saved $200.00 on my Tax'spreparation this year. At this point I do not know when the replacement card will arrive.

State Employees Credit Union Response • Feb 20, 2020

The State Employees' Credit Union is in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

On January 28, 2020 I reached out to customer service regarding an auto loan which has been charged off since 2012. I purchased a vehicle with them and received a load of 4985.41; however the car was seized from me during a traffic stop, the reason why is unknown. I had a lawyer involved with the whole ordeal and because the issue was one they never encountered I was left without a car and a loan that soon went to be filed as a public judgment with Wake County as of July 3, 2013. I am in the process of purchasing a home and was advised to contact the bank NC SECU, of *** to either pay it off or settle. I asked about settling and was advised no, we do not settle loans. That took me by surprise. So as of January 28,2020 later in the afternoon, after speaking with several rude customer service specialist I was then transferred to District Manager ***, he was very short with me, declined a settlement payment and advised me of his address of where to mail full payment, he also offered 36 month payment plan. Fast-forward to Monday, February 3, 2020 I have called numerous times, left messages and emails, he has yet to call me back or respond. Instead he has *** send me an email which did not provide any of the details discussed between he and I. He told me that after receipt of payment a letter would be sent to me to confirmed settled and judgment has been released. Tuesday, *** sends me a message stating I would need to request the letter from the Wake County Courthouse. I was advised by her that it would be generated electronically to my email. She was very rude when I called and she stated that because it is the first of the month they are busy and cannot take calls. I am a customer, an account holder and all I was trying to do is pay off a debt, which I paid in full and instead of getting the help and respect I deserved I received short tempered individuals, voicemails and still has yet to receive anything to give my lender for my new home purchase in writing.
Product_Or_Service: Vehicle
Account_Number:

Desired Outcome

Correction to a credit report My desired resolution is an apology, my letter in writing that this is resolved, settled and judgment free. I would also like this sent electronically because I have been back and forth with them and no response or call backs have been given to me.

State Employees Credit Union Response • Feb 07, 2020

The State Employee's Credit Union is in receipt of this case from the Revdex.com. Using the information provided we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

To whom this may concern: I am writing this letter regarding the mortgage loan that I applied for with the North Carolina State Employees Credit Union. While I may not have met your specific criteria for the loan itself, I would like to appeal your decision because I feel I have underlying facts that may make you reconsider. I trust my appeal will be looked at more favorably than my original application. I think my situation is extremely good, all things considered. Please spend a few moments looking at the additional information attached with my appeal. In the meantime, I look forward to your response, hopefully with better news than last time, and to a future working relationship as my main credit card provider. I have been underwriting continuously over the last ten years, and I understand the mortgage process like no one else. In addition, I have been a state employees credit union member for over ten years and have had loans and credit cards, that have been paid in advance or paid off. Since being a member of the state employees credit union, I have always felt that they were fair, which is why I had a predilection for seeking personal loans and now a mortgage loan through them. About three weeks ago, I went into the branch to put a stop payment on a check that was lost in the mail. I spoke to the VP of City ***. During my interaction with him, I explained to him that I wanted him to do a loan for me, but saw that your guidelines stated that you typically try to stay within a 43 ratio, but your advertisement states the following: the Credit Union's debt/income percentage guideline should generally not exceed 43%, but the ratio may be higher based on a member's individual circumstances. In addition, I make $9658 monthly and one of your requirements is that the borrower should have at least $600.00 in disposable income, and I have three times that amount after paying a mortgage and my remaining bills. While speaking with Mr., he stated to me that he has seen loans go over a 100 DTI and has been approved for a loan. At this time, my ratio is only at 54%; I have excellent credit, current accounts with the credit union that is paid on time and will pay my mortgage with the same resolve and tenacity as my other bills. Moreover, I spoke to Mr. and I explained to him that I was requesting $359,000, which is the total cost of the house, but my realtor is trying to negotiate the sales price. Mr. told me that this loan amount was outside of the normal limits, when it states on the website, you can go up to $400,000. While going through this process, I want to be treated fairly, but it appears to me that there is a lot of nepotism and a lot of false advertisement going on. I provided statements that showed that I paid down my debt and I was told by Mr., that they had to go by what was on the credit report. In the mortgage industry, this is whole point why we have borrowers to provide statement or we order credit supplements. I have very few accounts and I feel like the credit union is misleading people. Because I feel that I am treated unfairly, I will now file a complaint with the *** and the *** Bureau. The state employees are not being consistent in their guidelines because I currently meet the requirement of disposable income, good credit, ratios are slightly higher, but the guidelines states that it can be and there is no number mentioned that pertains to what is consider higher. Why as a customer, should I meet resistance when I completed my research and have meet more than one of your requirements for the loan. which will assist in your reversing the original decision and allow me the opportunity to buy the home of my dream. I look forward to hearing back from you asap.

Desired Outcome

Other (requires explanation) I want my loan to be approved because I meet the guidelines.

State Employees Credit Union Response • Jan 02, 2020

Thank you for your correspondence. Using the information provided by the Revdex.com we will attempt to determine is the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Did not comply with repossession guidelines and failed to comply with FCRA ACT. NEVER RECEIVED NOTICE PRE/POST REPOSSESSION.
***
State Employees Credit Union and Any Affiliates
12/16/2019
RE: Acct #: XXXX***
To Whom It May Concern,
This letter is a formal statement notifying the above parties that the account under Ã?Ã?Ã?Ã?*** is being disputed.
The vehicle in question was purchased on or about March 2016, financed by State
Employees' Credit Union, repossessed in the state of Maryland September 2019, and sold by State Employees' Credit Union on or about 10/2019.
Under the laws of NC and Maryland and UCC § 9.506 as well as State RISA and MVISA statutes, a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC:
§ 9-506. EFFECT OF ERRORS OR OMISSIONS.
§ 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
§ 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
§ 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL
You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the
FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC § 9-625 remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company; an employee of your company; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.

Desired Outcome

If not removed, Litigation for breach of contract.

State Employees Credit Union Response • Dec 23, 2019

Thank you for your correspondence. Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

Customer Response • Feb 28, 2020

NCSECU violated my consumer rights.
NCSECU failed to provide
"Notice to Buyers"
The "Discretionary Notice"
The "Required Notice"
Final Notification to Borrower
The "Certificate of Repossession"

I notified them 05/2019 and told them I had moved to Maryland and my new address. 06/2019 I received a notification from Experian that NCSECU had checked my credit without my authorization.

They repossessed the vehicle from my new address. I have contacted them by mail and fax to try to get my contract and have been unsuccessful. They have yet to send me a Notice on how to obtain my personal belongings out of the vehicle. My License, SS cards, Debit cards, and belongings for my children were in the truck. They are reporting to Experian and Equifax. I have never had a line of credit with them for $500. That is a fraudulent account that was not opened by me.

On December 19th 2019 I sent documents to NCSECU. I have yet to receive a response and the 2 items are still being reported.

State Employees Credit Union Response • Mar 06, 2020

Thank you for your correspondence. Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of our Credit Union and if so, we will respond directly to the member.

On Wed. Nov./6/2019 my husband took me to the ATM at the State Employees Credit Union on *** St. I attempted to deposit $200.00 in twenty dollar bills that I had withdrawn from my *** Quick Silver account. The machine said you could stack up to 50 bills and one time. I put my $200.00 in the ATM. It only counted one $20.00 bill, then red XXs started coming across the screen and I could not get my money back out of the machine. I went inside and reported it The CSR said all could do was take a claim. She they would have to contact the ATM Co. to come count the money to see if the amount matched; she told me they would contact me within 10 business days. She gave me no documentation. Now they say the money was counted and there were no discrepancies. The ATM took my money and I want it returned to me. This is poor banking and someone has lied.

Desired Outcome

Other (requires explanation) I want my money returned. The ATM only counted one $20.00.So they owe $180.00

State Employees Credit Union Response • Nov 15, 2019

We are in receipt of this case from the Revdex.com (Revdex.com). Using the information provided by the Revdex.com we will attempt to determine if the person listed on this case is a member of State Employees' Credit Union and if so, we will respond directly to the member.

I am filing this complaint regarding issues NCSECU has with their systems that results in monetary losses for its members.
I've been banking with NCSECU for about 8 years; however, I do not trust this bank or their business practices. Therefore, each time I am paid, I pay my bills and withdraw the remaining funds. I was paid on Friday November 1, 2019. I made multiple payments;*** $211.74, *** $182.96, *** Gas $23.25, *** Resources $86.67 and my personal $80 and auto loan $409 I have through them. After paying my bills I had $480.00 left in my account. I withdrew the remaining funds. On Monday November 4, 2019, *** authorized a payment for $162.34 @ 2:37 am. At this time (per *** of the *** contact center during a phone call @12:25 PM on 11/4/19) the system was down for maintenance which is a nightly occurrence at the same time. At the time the payment was authorized my available balance was $7.74. The payment for $162.34 went through anyway leaving my account negative $154.60. The day I opened this account I had to sign documentation to allow or deny overdraft protection. I chose to opt-out and not allow overdrafts on my account. They have this on file. *** explained to me the funds being pulled had nothing to do with whether or not I allow overdrafts on my account. He advised the timing of the transaction was during system maintenance and it was paid because it was done during that time frame and my signed document did not matter because their system was down for maintenance. So basically any transaction can post to my account during that time regardless of my balance ( or any other member's balance) or opting out of overdrafts. Prior to speaking with *** I spoke with *** ( she transferred me to ***) of that same contact center who advised the transaction was allowed because I had a balance in my account of $516.93. This is incorrect as I emptied my account that same day after making payments... I would never leave that amount of money in the bank because they have janky business practices. The issue would have been their system pending the payments because all vendors I paid show payments confirmed on 11/1/19. I am not getting any solid answers and I am now responsible for the negative balance in my account of $154.60. I signed the document to avoid overdrafts because I work paycheck to paycheck and I know I would not be able to pay additional money on top of what I am already responsible for. I have 4 children this $154.60 is my youngest child's daycare payment that I will not be able to make if I pay back this money that never should have been allowed to be taken because it wasn't available. I asked *** for the corporate address so that I could file a formal complaint and he advised me they do not have a corporate office. I called his bluff and he gave me the address of 100 Wade Ave Raleigh NC 27605. When I researched online I found the "headquarters" aka corporate address to be ***. They are being elusive and do not seek to rectify their issue that caused this whole mess. I asked them what they are prepared to do for their member. I was advised that once the transaction posts to the account I can dispute it. However this is on them not me he said their system allowed it because it was down for maintenance. How many other members are being taken advantage of because of their system maintenance issues? This has to stop. They do not have the member's best interest at heart and hold us liable for their indiscretions and they need to answer for it. It a struggle enough to be paycheck to paycheck. I shouldn't have to worry about whether or not my money will be safe at this institution. They need to be held accountable for their unsavory business practices.

Desired Outcome

I expect them to put my balance back to the $7.74 and eat the cost of $162.34 they allowed to be pulled from my account. I should not be responsible for paying them when I have written documentation telling them I do not allow them to let my account overdraft. I also expect the process to change because this is not okay and I can only imagine how many other people are being subjected to losses because of their system issues. They should not be allowed to get away with this.

State Employees Credit Union Response • Nov 05, 2019

State Employees' Credit Union (SECU) has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

A deduction of $100 was debited from my account on 09/18 for*** Electric. However an email was received stating the funds were never received. When I contacted the credit union, they continued to tell me the funds were sent even after submitting proof it had never been received. I called and made several attempt to the credit union to get this issue resolved. They are not replying to my messages and continue telling me they have no control over a payment they put a stop on. It is the matter of my $100 they are holding and refuse to release it back to me. They are rude when called stating they have done all they can do which is nothing. I am still waiting on a response which has been going on for about 2 weeks now, no response to my messages and the phone calls continue to get transferred with no resolution.
Product_Or_Service: POS Debit from Checking Account

Desired Outcome

Billing Adjustment I would like for the $100 deducted from my account to be credited or refunded back to my account as soon as possible.

State Employees Credit Union Response • Oct 29, 2019

SECU will review the consumer complaint. If we determine this is an SECU member, we will respond directly to them.

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Address: 1000 Wade Ave, Raleigh, North Carolina, United States, 27605-1157

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+1 (919) 857-2000
+1 (919) 839-5353
+1 (919) 217-8939
+1 (252) 291-7474
+1 (888) 732-8329

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