State Employees Credit Union

I have been banking with SECU for a little over 10 years now. Not until now I found out their fraud department is horrible. I had a transaction from my debit come out of my account that was out of the ordinary of my spending habits. My other banking institution notified me when this company attempted to withdraw funds from my account and did not allow the transaction to process. No not SECU and when asked why would they let a payment so large come out of my account WITHOUT my authorization they stated their fraud department does not always alert their members about transaction. Come on now that does not make any sense what so ever. Where is the care for your customers. I put in the dispute and told SECU I have a recorded call to back up my dispute me telling the customer they do not have my authorization to draft my bank account. SECU still threw my dispute out. Luckily I have another dependable bank account that will notify me of suspicious transactions trying to come out of my account.

Lost 100.00 to ATM and can't get it back.
This issue occurred on 8/15/19 but the transaction shows for 8/16/19.

NCSECU sent me a wireless visa check card replacement. I am allergic to wireless technology and NCSECU refused to offer non-wireless alternative.
I have been a long-standing member with NCSECU since 1995. To my surprise and dismay I received wireless 'tap to pay' visa check cards to replace my non-wireless check cards that my wife and I have today. I refuse to be forced to carry and use wireless technology. Anyone who says these devices do not emit radio waves does not understand the technology, specifically they do not understand RFID and NFC technology. I happen to be a member of MENSA (ID #***), the high IQ society. I also hold a Federal Communications Commission Radio License (Callsign KK4OHA). I mention this to help you understand that I know more about this subject than 99% of the people that you will come in contact with. I have a medical condition called Electromagnetic Hypersensitivity Disorder(EHD). This is a well-known legal medical condition in several countries. I have spent THOUSANDS of dollars removing all wireless radio communications from my house, yet my credit union wants to force me to carry a wireless transmitter in my back pocket. This is unethical and should be illegal. It literally causes me harm. If I spent time in a room with people using laptops I get a headache. I avoid crowded areas with people using cellphones like the plague. I have a standard plain old telephone system landline in my house. I have to do this for my health and well-being. I don't have a choice. People should not be FORCED to use wireless technology. If you research radio waves and their effect on biological systems you will see that is entirely impossible not to cause adverse effects to living beings when you employ radio waves. If you believe that low strength radio waves are less harmful then you have not read the research. Low strenth radio waves actually damage DNA more than high strength radio waves. Wireless check cards are infinitely easier to hack. There are already videos online explaning step-by-step how to do it. I consider the forced wireless visa check cards a move backwards in financial security and an active assault on my health and I ask that the NCSECU reinstate its use of non-wireless check cards.

wrongful nsf
Around July 16th I received notice that an item for $101.66 for *** had been returned for NSF. My account balance on July 15th was $189.31 plus I made two direct deposits(paying a fee for funds to be available immediately) for $14.51 and $25.65. This would have made my total balance to clear payments $229.47 which was plenty to cover the *** check for $101.66. I went into the location and was told that my account balance was on $85.84 at the time that the payment tried to clear and that it tried to clear at approx 2:30 in the afternoon BUT NOTHING clears int he middle of the day. Also, the two direct deposits that I made for the $14.51 and $25.65 were not credited until 7/16/19. It is the law that credits are applied before any debits and SECU did not apply my my credits until the next day even though I paid a fee to have those direct deposits put into my account immediately. I checked my account after the direct deposit was made and the two amounts showed available but they weren't according to my statement. Last year I had 5 items returned with *** because NCSECU kept reporting to them that my bank account was closed. Each time I would contact *** to let them know that my account was NOT closed and they would rerun the check, waive the fee and it would go thur the 2nd try. I don't know what the glitch is between NCSECU and *** but it is not my fault yet I am suffering for it. *** has closed my Redcard due to NSF's - NSF"S that I did NOT have! This has cost me the 5% that I save with that card as well as free shipping. I need this discount and specifically the free shipping as I have children and grandchildren out of state and used this card a lot for the savings and shipping. I dont' know where the error happened but it was NCSECU's error and NOT mine.

SECU SWITCHED ON THE PAYMENT TERMS AGREED ON AT THE TIME OF ISSUANCE OF AN AUTO LOAN
In July 2019 I logged online to member connect to make my first auto loan payment of $445.00 for the above
reference account. At that time I noticed that the loan payment was significantly higher than the agreed on terms
presented and accepted to me at the SECU *** Branch the day of the auto loan application on June 14
2019 by the loan officer. The payment reflected now has been increased to $637.00. I was told there was an error
made at the branch level and the actual terms have been adjusted due to the age of the vehicle purchased, SECU is
not able to provide a 60 month terms or 5 years. The only option provided now is either to sell my vehicle or keep
the $657.00 new payment. This is unacceptable!

Hello, my name is *** and I have a car loan through State Employee Credit Union at ***. I have only ever missed 2 payments and that was in 2018. I have recently called they said that I had missed a payment in October of 2018 and that was not true. A state employee has reported me late on my credit report for a missing 20 dollars
Product_Or_Service: CAR NOTE
Account_Number:

Filed dispute and asked for card to be cancelled agent never notated or cancelled card causing an authorized transaction
I contacted the Credit Union on 4/26/19 using their online form for disputes after attempting to resolve the issue with *** where $1203 was taken from my credit union accunion account. The case was assigned to the dispute department who informed me that they would forward the case over to fraud and have them contact me. When I spoke with the agent in the fraud department I sent her over the correspondence from *** where I attempted to have them take care of the issue. She informed me that the transaction was done by the joint account holder so she would have to speak with him I informed her I also felt that my card had been compromised and requested a new one. This was never done when I asked I found that out on 5/13/19 when $703 had been taken from my account only hours after I asked for the card to be cancelled. When I contacted them in regards to it they told me there was nothing they could do to contact *** because they would not be refunding my money to which I explained had the card been cancelled like I requested the transaction could have been done they only continued to say they would not be proceeding with my dispute

Recently my wife started a new job, she gets paid every other Friday her first check was a paper check second check was direct deposit as well as her third check. Well her third check is where we ran into some trouble, the wrong checking account number was put into the system by HR with her work. State Employees does not tell you this but they will allow one direct deposit to go through and the second time a direct deposit attempts to go through and there is a checking account number issue it will not deposit to your account. My issue is that my wife and I both called state Employees twice each and after verifying our security questions all four times they failed to tell us the issue as to why the check was not being deposited into the account. My wife calls her HR and they advise I will call your local branch and see what I can do. HR from my wife's job calls and without verifying any security questions or verifying who it is that is really calling state Employees staff tells over the telephone not only the correct checking number but also what the problem is, and how to fix it. I don't understand why that information was given to someone else but not the two people on the account after verifying who we were!

I order a product and paid with my SECU visa card. I never received the item and the SECU won't refund me.
I purchased an item on 2/28/19 using my SECU visa card. I contacted the postal service when I did not receive the item by 4/4/19, the delivery date. The postal service states they lost the package and can't help me. I don't know if the company ever sent the product because they won't give me any information. Now, *** at the SECU will not refund my visa of $71.10 and she sends me a letter acting like I am a criminal and states the package must have been stolen after it was delivered.

I was visiting State Employees Credit Union and was treated very unprofessional by staff and management. Need to be resolved.
On April 15,2019 I went to State Employees Credit Union in *** NC to do and transaction at the drive thru window into my account. So I ask her to cash a check so I can make a deposit into my account she told off the back quote "Do you no that you owe on your loan I said no I don't owe on any loan *** I am up to date on my account she said to me no you not. Now remind you she never check to see like I told her at all so I told her to send everything back I will do my transactions somewhere else. So I call to Your *** location and the call rolls overs and *** at the *** locations picks up so I told him want happen with his employee on how she handle the situation about my account like always how I am treated with these employees and how rude and unprofessional they are to customers at this locations and nothing is beening done look at serveral review that are done for this location. But anyway *** just asked me did I want to speak to the lady I was calling for at that other location he didn't ask me could he help me with anything at all as a customer with State Employees Credit Union I think that the Board, and other Organization should no how there customers are treated. But I do have my receipts for all of my transactions that was done with them on any loans and its sad that you must keep and hold on to these receipts do to mistakes that there teller or loan officer may make and it's no excuse for any of there employees or management. And they shouldn't treat Customers due to status or debts.

Holding Deposited Funds
I have been in contact with State Employees multiple times regarding a hold on a check that was deposited to my bank account nearly a month ago. I have verified all the information they have needed, however they have given me no real answer as to why I have not received my funds. It has been nearly a month since this entire situation first started and this is money I really need, and am getting to the point where I will be pursuing legal action in order to have my funds released to me.

Not able to receive monthly visa statements..have talked with 4 people & visited branch once... need statements for oct ,nov,dec 2018 for tax purposes..

late payments
I have NO late payments. It'showing 2

NCSECU is not being accurate with it's loans. They are charging more interest and less to the principle in their loans.
During Christmas holidays, NCSECU charged more interest in loans and paid less to the principal amount of loans. They blame it on the days cycle but that is wrong.

Wrongly charged interest rate for something we had no control over!
We sold our house in 2017 and had a second mortgage on the home, which was paid in full. A few months ago we began receiving calls and letters from the credit union to update our insurance information for the house. We finally picked up a call from *** at the *** branch and was asked for the new home owners insurance information. I explained that I no longer had the home, and that we had moved, and no longer had access to the 2nd mortgage loan. I was informed by ***, that I still had access to this loan, and all I needed to provide to him was the new address and new insurance information. I provided *** with this information and was told that he made the account available for me to pull online. I tried the pull the first time from the account, but was not able to, so after talking with him again, I was informed that I had to go into the bank to pull the funds initially. I did so, and after that I was able to pull the funds online. Last week we started receiving calls AGAIN from the credit union and after we connected we were informed that the loan would be turned into a personal loan- with a higher interest rate, or the funds will be due upon receipt if we did not sign the letter! I spoke to ***, who insinuated that we pulled the money fraudulently and it was our fault we were in the situation and there was nothing they could do!! We are not disputing that we owe the money, and we have intention of paying it back, but changing the terms of the agreement and doubling the interest rate should not fall on us! We DID NOT REACH OUT TO THE BANK, THE BANK REACHED OUT TO US to update the info and WE were informed that although we HAD MOVED we still had access to the account!!!! Why are we being charged for something we had NO IDEA was the incorrect procedure. I was informed by *** that it's our fault that we used the loan. This is very poor business management. We have been members of the credit union for years, have paid our debts, receive direct deposit, and have NEVER had such a major issue. As I mentioned to ***, we do not work in the banking industry, so we do not know the laws and rules! We depend on what they inform us, and believe it! If we were never informed that we could use the account, WE NEVER WOULD HAVE BORROWED from it! All we want is a fair outcome. SECU is normally pretty good about working with its members, but all branches are NOT created equal, and it shows by the reviews online and by personal experience!

My husband and I decided to go with the State Employees Credit Union first time home owners mortgage for the purchase of our new home. We were greatly disappointed with the service we received. Their employee, ***, failed on numerous occasions to notify us or our realtor of important information or date changes. She changed the date of our closing without consulting with us first, and did not even notify us of the change in any way. This unnecessary change cost us $100 in late closing fees along with other charges and fees associated with our rental property, and vacation days used that could not be changed or postponed. When we contacted *** about why the date was changed, she could not give us more of an answer or elaborate more than 'the Closing Disclosures were not in our care for three days.? However, they were in our care for the three days needed by law and were mailed out by the six day mark that the SECU requires. I have contacted dozens of other SECU branches across the state and all have said that the timeline adds up and we should have been able to close on the original date. We were supposed to close on Friday December 21st, 2018. The disclosures were mailed out on Friday December 14th, and we received them on Tuesday December 18th but the closing date was postponed to December 28th for no apparent reason. All information I can find online states that we should have been able to close on the 21st as well. When I emailed the manager of the bank, ***, about this issue, he completely avoided my question on the timeline issue. To add to it all, the SECU team wasn't even able to send the correct closing disclosures to our attorney one day before the closing date. Therefore, delaying closing yet again since we did not have the disclosures before 9am on the date of closing.
Product_Or_Service:

Late payments reporting to credit bureau
I have been a customer of SECU for over 8 years. Years ago a representative at the bank told me that the banks practice was to never report a payment late to the credit bureau unless it hit 60 days late therefore 30 day late payments would never be reported. Apparently back in December 2017 SECU changed it's process and started reporting accounts late once they hit 30 days instead of 60 days. Due to this I received two 30 day lates reported to the credit bureau (December 2017 and January 2018) this auto loan. No correspondence was sent out to customers ahead of time alerting them that a new process was about to take place.

My account was hit three times in 9 days for salary advance loan.
My family was hit with hurricane Florence. We were evacuated and displaced as our home was destroyed. Once the evaluation was lifted I contacted my bank. I explained everything that had happened. The branch in *** was so compassionate and took care of my salary advance. They put it back in my account and approved for the sala amount to be put in my account as well. Four days after I came home and we were evacuated again for soon to be Hurricane Matthew. For some reason the salary advance pulled money back out but it was three weeks too soon as I'm set up on monthly payments. I spoke to supervisor*** with SECU. I explained to her and she very rudely told me that my situation is not her problem and she could not put the full amount taken back into my account. She told me that even though we were going through something this horrific that no one should have approved the first advanment nor the solo account withdraw. I told her I would contact high authority and she giggled and told me her job was very secure and good luck with the second hurricane!

I wish I could select more than one complaint type. I've been banking with SECU for about a little over a year now, and never really had an issue with them. However, a few weeks ago I received a call from a representative by the name of *** who works at the SECU on *** Blvd in Durham, N.C. *** informed me that I came up on a audit report in regards to owing money back to them. She informed me that I took money out of my savings account that I didnt have. She said the transactions was back in July, and she is just now informing me of the issue at the end of September, due to her being on vacation. I advised her I have no knowledge, of me taking money out of my account that I didnt have, which is not even possible, nor did I receive any notification by phone, mail, email of this matter. She failed to informed of the dates and couldn't give me any accurate informations pertaining to this matter. I told her I didnt owe SECU any funds. My savings account was NEVER overdrawn, or anything. I asked her if this is true, why wait 3-4 months down the line to contact me, thinking I was going to believe anything that she was saying by phone. She nor the bank ever sent me a copy of my bank statements, showing these accusations. I rarley use my savings accounts and the one ttime I did, SECU drafted $160.00 out of my savings account without my knowledge, & without my consent. I was NEVER notified that if I put any money into my savings account, they will draft whatever in there out. SECU have taken money from their consumers on multiple times, without notifying the customers, and failing to communicate anything with the customer. I WILL NEVER IN MY LIFE EVER BANK WITH SECU. They are liars, thieves and just NOT a good bank to bank with. I am VERY upset to know money was taken from my account without my knowledge, due to an error MADE on their behalf. I will be failing a formal complaint with the *** Association as well. Shame on SECU.
Product_Or_Service: Money debited out of my account
Order_Number: N/A
Account_Number:

After receiving an initial loan approval from secu, Received the go ahead for an appraisal, Inspection, and termite inspection. Next(Disappointment)
Last month I applied for a mortgage thru secu and was told I got approved and could move forward with processing. Went ahead and incurred expenses of the appraisal, home inspection, and termite Inspection...Gave 30 day notice to move and was set to close on 8/28/2018 After receiving devastating news last week that the loan was denied!! I went to speak with the branch manager of *** road location, only to be told "let me see what we can do, Either give you back your money or move forth with the loan" Sure enough 2 days later received that bad news....So that's it?

What about the money I paid in based off what secu told me to do???