State Employees Credit Union Reviews (%countItem)
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State Employees Credit Union Rating
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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Contact Name and Title: Sue Douglas
Contact Phone: 919-839-5000
Contact Email: [email protected]
I do not believe this complaint belongs to the State Employees' Credit Union in North Carolina. I can not locate a member with her name and address on our files. The consumer indicates she lives in Maryland. There is an SECU in Maryland that has no affiliation with SECU in North Carolina. However in the letter she sent she states she is talking about a SECU Credit Union in Colorado. I am not familiar with that credit union but both her letter and the document she attached refers to SECU Credit Union Consumer Lending in Greenwood Colorado. I cannot read the attachment well enough to know exactly where that is but it is NOT associated with SECU of North Carolina. Please remove any reference to this complaint as being directed to SECU in North Carolina. Thanks
I've been with this bank a few years never have I over draft my card because I did not have over draft I never use my card when I have no funds on it the card will not let you go over even if youre a dollar short but after August 3rd my account went crazy all of sudden I had over draft I have no idea what that teller to my account but I'm not paying for the banks mistake I want my money back in my account the over draft was suppose to be wiped out and he killed my card the was not suppose to bother my account Mr *** told me and my daughter they are not looking into to what happened Banks are suppose to keep your money safe not give it away it makes you not trust Banks I want to thank you for your help helping me.
Other (requires explanation) Find out who made changes in my account put it back the way I had it when came to your bank and put my money back in my account and don't lie to people.
Contact Name and Title: ***, COO
Contact Phone: ***
Contact Email: ***@ncsecu.org
Upon receipt of this complaint, I immediately contacted Mr., the VP in your branch. From my conversation and my research, I have determined that Mr. has acted appropriately and very quickly in response to your complaint of unauthorized transactions. He completed a dispute affidavit with your help - detailing the charges that you stated you did not authorize, he filed the dispute on August 28th with our *** Department who will submit the charges back to the merchants, he advised you it could take up to 10 business days before the merchants respond back to us. Refunds will be determined based on the information we receive from the merchants. He also immediately blocked your existing debit card and ordered you a new one so those merchants that you indicated you did not authorize will not continue to attempt charges on your card. I see no "overdraft" has been applied to your account so I am unsure what you are referring to there. I do see that your account went into the negative several days but there was no fee for that. The negative balance occurred due to the timing of transactions that had been approved online. There are no fees to be refunded. I also am unsure of your statement that indicates "don't lie to people." Please help me understand this accusation as I do not see any evidence that our employees have acted in any manner other than correctly and immediately to help you solve your issue.
In response to to the coo I have two witnesses one was there when I opened my account with credit union she was in the office with me because she was my payee and it was set up with no over draft and all the I have over draft second the other witness was with me and heard Mr. tell that he will wipe the over draft of my account and it would not be touched but low and behold one hundred and twenty was taken out of my account and he did nothing about it now I'm suppose to wait that why I say he told me a lie my witness was there and heard everything he said I would like for them to put my money back in my account that he said they would not touch the bank job is to protect your money long as I have been with this bank this has never happened I don't know who pushed the button and did this but it was not me.
I am unsure what you are referring to when you use the term "overdraft." When your account was opened in September 2014, "overdraft transfer protection" was set up at that time to transfer any available funds from your savings account if needed to cover the payment of transactions in your checking account. I have looked at your monthly statements beginning with the first one you received in October 2014 and your Overdraft Transfer account was and still is listed as your savings account ending in xxxx. I have also reviewed your account back to August 2016 (two full years)and saw that at no time were funds in the savings account automatically transferred to the checking account to protect you from a possible unpaid item because of lack of funds in your checking account. Although no overdraft transfer has ever been used on the account because there has never been a need, I will be glad to remove your savings account as your transfer account, if that is what you want. As to the transactions on your account that you have signed an affidavit stating you did not authorize, all proper papers have been filed for *** to investigate and return the funds if their investigation indicates that you did not perform or allow someone else to perform these transactions on your account. As stated before, *** has 10 business days to respond. SECU will notify you when *** has responded.
*** Chief Operations Officer
My Auto Loan Date was suppose to be adjusted to the 2nd of every month. When I did my loan paperwork we agreed to the 2nd because of my pay dates.
I was approved for my 4th car through the credit union and with this loan I am treated poorly. I was told my loan dates would be on the 2nd and the manager would go back in the system and adjust my payments. This is the first auto loan through this bank where I am reported late on my credit report in 2 years. I am extremely upset about how damaged my credit is now. I've been with the credit union for over 2 years and they said they don't report on 30 days only 60 days. If they made a change I strongly believe they should of notified all of their customers. This Enables customers to protect their credibility.
I would like my credit report adjusted properly and my car loan changed to the dates I agreed upon please.All I'm asking is for my loan to be adjusted to the 2nd.
Our district manager reached out to the member and discussed the complaint in detail. The due date was changed per the member's request and an amendment was sent to the credit bureau to reflect the intended due date. An apology was extended for the confusion and the call ended on a good note.
Denied loan application told good credit too much debt I should try lending club. Spoke to mgr mistake made
Placed loan application via telephone at my bank institution was on call for over an hour placing application only to be told that although I have good credit I have too much debt and taking out a credit card loan won't to me no good because I will still be in a lot of debt. Representative stated her supervisor stated I should try a *** agency. I never in my life felt insulted and a agency words not tactful. The representative good not give me a legitimate reason why my loan application was denied. Today I called the branch that took my loan application at *** and ask to speak to a manager and I left him a voice mail. Received call back from branch manager *** and was informed that I was failed all the way around and a mistake was made.. He stated that my mortgage was counted twice against me and there were miscommunication and stated he will approve the loan. I stated I went to another financial institution and was approved. Their practices and professionalism should be observed and felt I was judged based off their mistake.
I felt my character was questioned based on their results and mistakes. If the mistake was made why did I not receive a call and it took me calling to complain.
We regret that a human error was made in the qualifying process that ultimately led to denying our member's loan application. Once the branch VP was made aware of the situation by our member, he reviewed the application and discovered the error. A loan approval was extended, but declined by the member because she chose to go elsewhere. The manager apologized to the member and discussed the error with the appropriate employee.
State Employee Credit Union did not admit their erro until I called to question their unprofessionlism. They also sent a letter of denial letter based on my credit and unable to afford loan.
If I would not have called this financial institution their error I would not have ever known. And for their response to be a human error is unacceptable. Anytime you work in a field ethics , code of conduct as well as training should always be thorough when making life changing decisions for consumers.
As I stated earlier their error I would not have known if I would have never called to question their employees unprofessionalism.
I do have the letter that was sent to me of denial and copy can be given if needed.
As a member/customer for over 30 years, I have been blessed by a staff who cares, even if I disagreed with the outcome of my financial request. They care enough to not allow me to get in debt over my income. They have supplied a supplement to my financial needs through many life's challenges-life, death, vehicles, fires, you name it. They layout all fees up front so you will not be deceived You get true information to help you make better decisions concerning your financial challenges. Thanks for having a branch only minutes from my home!
Unfair and Unethical Company Practices.
I'm writing this complaint because I feel this company is being unreasonable and unfair, I was told by two customer service representatives that if I settle my account of $420 and reopen my checking account that the account would be deleted from my Equifax credit report the account was paid in full on 5/30/2018. The account was not deleted just updated to paid $0 balance I then sent a goodwill letter to State Employees Credit Union requesting the account to be removed from my credit report as promised by the two representatives prior. I received a letter stating it would not be removed I feel this was a deceitful practiced by State Employees Credit Union and unethical for two representatives to tell me it would be deleted when in fact it did not happen. I demand it be removed from my credit report as promised by the two representatives who promised such.
I want this account removed from my Equifax credit report.
This is in response to the complaint filed with the Revdex.com (Revdex.com) which was received by the State Employees' Credit Union (SECU) on June 15, 2018, regarding the member's request that SECU expunge an account file regarding a charged off loan from the member's credit record. The member alleged that the member relied upon statements from SECU's representative that the account would be deleted when the loan balance was paid in full. The member satisfied the debt to SECU in May 2018. The member had previously disputed the ownership of the loan account, and the member's concerns have previously undergone investigation by the Loan Servicing Department. SECU has provided upon the member's request supporting documentation of the account ownership, and has informed the member in a letter that SECU would update the member's credit record upon payment of the balance, but could not remove the account record since SECU is required to accurately report the account status. In response to the member's recent submission to the Revdex.com, the SVP of Loan Servicing has reviewed the documentation, and it has been determined that there is no evidence to support the member's allegations regarding any statement made by an SECU representative to remove the credit record. It has been confirmed that SECU is accurately reporting the loan account as paid in full and no correction is required.
I am filing an complaint on improper business procedures.
My name is Josephine A Ellis, I am filing a complaint of a car loan that my late husband,
Gaston Rex Ellis took out on October 4, 2017 regarding a 2014 Nissan Murano. The account number is 60805494-02 which was done at Branch Office # 008 and the loan officer was Scott Vona. We have the Life Insurance Policy, Part A which stated that my husband opt out of. There is also Part
B where he stated that he wanted. My son Kevin and myself went back to the bank to speak with someone and they stated to us that the loan for the hearing was the policy that was covered under the insurance. I have the loan papers and it stated that the following loans were covered :60805494 & 60805494-02. I think that SECU tried to get over on my husband, as he was trying to do the right thing. He stated to me that he had insurance if something happens to him. Why would he tell me that he had insurance if he didn't? Why would the loan officer allow him to sign the papers if he didn't have the coverage. Right now, the car loan is $448.00 a month. When Gaston passed and I went to SECU on April 2, 2018, and spoke with Scott where he stated that I would not be responsible for any loans that was in my husband's name. After reading these papers he had insurance. If insurance is on one loan, why wouldn't there be insurance on the 2nd loan? If SECU is always working to improve our products and enhance our services; therefore, as a member I don't feel that way. In order to be a vital part of the community, someone should always be there to help and lend a hand.
I would like for someone to re-evaluate the loan and make the necessary adjustments.
This is in response to the complaint filed with the Revdex.com (Revdex.com) which was received by the State Employees' Credit Union (SECU) on June 4, 2018, regarding a claim that a credit life insurance policy existed as coverage for an SECU vehicle loan originated by the member's spouse (borrower) who is now deceased. It was alleged that at the time of borrowing the funds for the vehicle loan with SECU, the borrower had obtained credit life insurance as protection for the loan in the event of the death of the borrower. The member's concerns were investigated by the SVP of the servicing branch and the files were reviewed by the Loan Compliance department. It has been determined that both the borrower of the loan and the member submitting the complaint visited the branch to complete the refinance transaction. At that time, the borrower signed the promissory note accepting the debt and the member submitting the complaint signed the promissory note acknowledging the lien on the collateral. While completing the loan documentation, the optional credit life insurance was waived by the borrower which was reflected on the credit insurance application and signed by the borrower. It should be noted that the borrower did elect insurance coverage for a separate personal loan. Upon receipt of the death certificate, SECU filed the claim and applied the insurance proceeds as satisfaction of the personal loan. Based upon the investigation, SECU's records are accurate with respect to the loan accounts and the application of insurance coverage to the personal loan. A letter has been sent to the member advising of the results of SECU's investigation into the matter.
Teller made error and placed funds into another customers account
My spouse was making a deposit and teller deposited funds into another persons account causing my spouse to have to return to bank to get issue rectified after she had drove off and looked down at receipt and noticed someone else's information listed .Because if the wait she was late for her appointment and had to cancel .We requested the banks branch manager to compensate for the inconveniences by returning the $25nsf charge wd previously incurred for our account being $1.32 short.The manager refused only apologizing for her tellers mistake saying they are" in training"I have been a customer of this establishment for over 8 years and that was the least they could've done to show their sincerity for their bank error.We make a mistake and we are penalized for our errors.The teller makes a mistake and the bank refuses to offer anything?That's not right nor fair.
Return the $25 nsf charge from my account
Our local manager apologized numerous times for the mistake made by the teller. It was quickly corrected the same day and did not cause any items to be returned on the account or a fee to be charged. Accordingly, a refund will not be processed.
Credit union withdrew money out of my account without approval.for a loan payment. Money had been deposited to pay other monthly expenses resulting in those payments being returned cause return fees on those accounts. Credit union then charged me fees for on those debits as well. Credit union refused to credit those funds for other expenses back to my account. Basically told our account comes first we don't care about any of your other expenses.
Product_Or_Service: No purchase
Other (requires explanation) I want my money credited back to my account plus all fees incurred by their actions.
SECU agreed to reverse the preauthorized loan payment and refund fees as a courtesy to this long term member.
The credit union did put my initial deposit back in my account plus the fees on their end but did not do anything about the fees on the accounts that were returned.
Upon notification of these additional fees, SECU reimbursed member immediately.
SECU requires all payments to be current and have zero collections accounts for loans. They make you have all accounts current, on time and under credit limits for 6 consecutive months. Credit score does not matter. They use a 43% debt to income ratio.
However. My current debt to income ratio is 10%. I applied for an auto loan for $250000 with them last week. I was denied on the basis of affordability. I'm pretty sure at least 2 higher up employees violated the federal reserve's laws about discrimination in lending. I was asked for a "divorce decree" and a child support order. Problem is, I was never married and have never been married. I feel that a custody agreement is excessive and has absolutely nothing to do with affordibility or income. Mind you, I supplied at least 2 certified copies of court ordered child support on two separate occasions (for loans in 2016).
I immediately requested an appeal and the loan officer told me that the senior VP of the region handled all appeals. Funny, per SECUs website, a member loan committee makes the final decision on loan appeals. This VP wanted to discuss what I did with my income over and above what reports on my Equifax credit report. He inquired on what I did with 2016 and 2017 tax refunds. This is none of his business and does not even come into play in qualifying for a loan per SECUs own policy. All communication was documented through email. He referred my application to a member loan commitee. That's where another employee requested the "divorce decree." I sent all of this in an official complaint to the federal reserve and the attorney general's office. Literally all of my income is direct deposited and my ex has the child support set up on funds transfer from his secu account to mine. The whole process of applying for this loan was nothing less than humiliating and invasive.
My point in sharing my experience is if you have a problem with any bank (especially a state member bank) the bank has to comply with federal lending laws. If you have a problem, file a complaint. It is your right as a citizen and a consumer.
I think the employees are very ignorant and snobbish. They would rather talk to you about investing than lending. Problem is, the investment accounts do not have a high enough interest rate for you to waste your time.
Too many payout transfers and a the wrong dates creating nfs charges and throwing off payments to bank.
Claim is already posted
Rrefund of money that has been displaced since sept 2017.
Contact Name and Title: COO
Contact Phone: ***Contact Email: ***@ncsecu.org
A personal phone call was made to Mr. last week and a follow-up letter was mailed today. Both explained to him that SECU has no control over the timing of debits submitted to his account from third-party vendors he has asked to debit his checking account at SECU. The timing for WHEN they will submit their request is between Mr. and the vendor. We also explained that since he had previously signed up for our overdraft transfer program, available funds were transferred from his share account to cover these debits until funds were no longer available. Mr. may contact his local branch or me directly if he has additional questions once he receives the letter.
I was charged 2 $12.00 NSF fee on 03/12/18 at 2:53 am. There were more than enough funds to cover the charges of 78 an 100 coming out of my account.
When contacting the back initially the women I spoke with advised they aren't able to do refunds over the phone which is incorrect. When calling a second time to contact my branch they are advising they can not explain why the fees post with incorrect dates but the charges were correct. I request a refund in the event they may not explain how can we confirm the charges are correct spoke with *** whom spoke with supervisor *** advised if I have not had any fees this year they are able to refund up to 2.
I was also advised that they would not complete the refund but it would be done via the system overnight. I asked to be transfered to the local branch to confirm.
I spoke with *** at the local branch was advised the same thing.3/13/18 8:58am
In the event the funds have not been refunded by 3/14/18 at 8:00 am this is my request for a refund
Contact Name and Title: ***, COO
Contact Phone: ***
Contact Email: ***[email protected]
A letter has been mailed to Ms. with a detailed explanation of the transactions on her account. There were no NSF fees to be refunded. She was referred to the local branch manager if she has additional questions concerning her account.
Charge off
To Whom It May Concern:
Not aware of the date that my 2013 Chrysler 300 was repossessed by NCSECU. I had called several times after I found out the car was missing and I was only told that either NCSECU did not have the vehicle or that someone would look into it and give me a call back which I never received. I received no letters affirming that the car was repossessed and not stolen. Had I been notified or made aware that it was repossessed I would've paid the costs to get the vehicle back in my possession. It has been brought to my attention that I am only legally responsible for the deficiency balance of this debt.
I am requesting that you send me proof that the legally required notices were sent giving ample time for redemption of the debt and also a copy of the bill of sale from the resale of the vehicle.
If you're unable to meet these requirements, I ask that you discontinue any collection efforts and remove all references to this account on my credit report. Please note that debt that goes unverified is a violation of the Fair Debt Collection Practices Act. I am more than willing to seek damages from all parties involved if you fail to comply.
Thank you for your assistance with this matter.
Please remove this item from my credit reports immediately.
This is in response to the complaint filed with the Revdex.com (Revdex.com) and received by the State Employees' Credit Union (SECU) regarding SECU's repossession of the member's vehicle and SECU's reporting of the vehicle loan delinquency on the member's credit file. The member alleged that the legally-required notices regarding the vehicle repossession were not provided by SECU, and the member requested that SECU produce the documentation and accounting of the proceeds from the sale of the collateral. The member also stated that if SECU is unable to submit the verification regarding the repossession, SECU should remove any reference to the vehicle loan delinquency from the member's credit file and cease collection efforts. The member's concerns were investigated by the VP of the servicing branch and the files were reviewed by the Loan Compliance Department. Documentation in the member's file contains copies of the delinquency notices sent to the member with the information that SECU intended to pursue repossession if the outstanding loan balance was not satisfied. The correspondence included the required notice to sell the collateral and the 10-day grace period for redemption. After the sale at auction, SECU mailed information with the accounting of deficiency, all in accordance with North Carolina state law. All correspondence and notices were mailed to the member's address on file with SECU. Due to an address discrepancy between the address provided by the member and the member's address in SECU records, SECU is unable to forward any personal account documentation until the member verifies the member's address. SECU has provided a response to the member explaining how the member may update address records. Based upon the documentation in the files, SECU has verified that the required notifications were provided and that the member's loan delinquency is being accurately reported on the member's credit records. No corrections to the member's credit file are necessary.
Hi! My address was updated with NCSECU when I called to get my new card sent to my current address in February 2017. My vehicle was not reported stolen (repossessed) until June or July 2017. Please provide receipt of proof that the specified mail was indeed sent to my address or remove this item from my credit report. If you are able to verify that the mail was sent here and I somehow missed over all the letters I will sincerely ask that you remove the item immediately in agreement that I resume my payments. If I miss a payment you can immediately place it back on my report and I agree to never contact you again with this matter.
This is in response to the member's rebuttal filed with the Revdex.com (Revdex.com) and received by the State Employees' Credit Union (SECU) regarding SECU's repossession of the member's vehicle and SECU's reporting of the vehicle loan delinquency on the member's credit file. The member disputed SECU's information that all repossession notices and accounting of sale proceeds had been mailed to the member's address on file and the member alleged that the member updated the address record in 2017. A request was made for SECU to provide proof of mailing to the member's address and it was reiterated that SECU remove the loan delinquency from the member's credit file. In response to the member's initial submission to the Revdex.com regarding the repossession, SECU conducted a thorough investigation and there was no evidence that an address change request had been made. Pursuant to the promissory note signed by the member for the vehicle loan, it is the member's responsibility to maintain current contact information and failure to do so does not release the member from the debt obligation. The member has been advised to contact a local branch office to resolve the address discrepancy and to obtain copies of the requested documentation. In addition, SECU is obligated to accurately report the member's account and is unable to delete the member's record regarding the loan from the credit file. Any payments made by the member will be updated in the member's credit record. Please advise if you have any questions or need any additional information.
I applied for a personal loan with SECU on 1/24/18 and sent in all my documents by 1/25/18. I called in on 1/29/18 to discover my docs were rec'd but never delivered to the proper dept. So, I was told that they will be forwarded to the proper dept. and the loan docs would be mailed on to me on 1/30/18. Once they rec'd the signed docs back from me the proceeds of the loan would be deposited into my acct. On 2/9/18, I contacted SECU to inform them I have not rec'd the docs from them. They said the package was a sent and give it a few more days. (it had already been 10 days, mail is not that slow). So I waited and contacted SECU again on 2/14/18, and was told they would re-send the docs to me. Verified my mailing address, city, state and zip. Called back on 2/22/18, to inform them I have not still rec'd the docs for the personal loan. However, on 2/15/18, I contacted them to refinance my car and I have already rec'd those docs and mailed them back. (The refinance docs came from the ***, NC office. These docs I was told are coming from the ***, NC office) I was told by a Team Lead that she spoke with the *** office and they assured her they were sending the docs out that day Fed Ex since the previous 3 attempts never made it to me. Today, 2/26/18, I have yet to receive the docs and we are almost in March 2018. I live in ***, GA. At this rate, it would have been quicker for me to simply WALK to NC and got the documents. I will simply get the proceeds from another lender, as I am thinking by the time I get the docs, send them back and get the proceeds, the purpose I wanted the funds for will be too late to use it. Also, a payment will be due BEFORE I even get any of the loan funds. After almost 30 days, 4 attempts to get the documents, and a suggestion from me to send it Fed Ex instead of US Postal Service, and still no closer than when I first applied for the personal loan on 1/24/18, I am certain that I will never in my life reach out to SECU for any other service again. They are in my opinion, the worse in customer satisfaction, delivery, follow up, and urgency. I wish the system had a rating under 1 star!!!!
I went into the credit union this morning to discuss getting a loan. From the moment I walked in, ***, the gentlemen I dealt with was VERY unprofessional and treated me like a 12 year old instead of someone who regularly does business there and has a good job. He did not want to listen or help and actually laughed at my request. I have never been treated like that and still do not understand his level of unprofessional behavior. He would not even suggest options to me and just kept being very smart, rude, and laughing that I had "wasted" his time with this request and even referred to my "being crazy" if I thought he would give me a loan.
Contact by the Business I would like to speak with a manager or ***'s boss and feel I am at the very least entitled to an apology since I have never caused anyone there grief regardless of my age or what I am asking for.
On February 22nd, the District SVP contacted the member who filed the complaint. He apologized for what had happened and committed to looking into the matter. After he was able to speak with the branch, a follow up call was made on February 26th to let the member know his concerns had been addressed with the employee and branch manager. This complaint was taken very seriously and the member seemed appreciative of the communication with the local SVP and the apology that was provided.
My account verses my daughter's account
As I get older, I am adding my only daughter to my account for emergency reasons. I did this a few months ago. She do not know my account information, no debt card or check. Just in case I fall ill, she can pay my bills on my behalf. We the New Bern Avenue branch decided to take money ($110.05) out of my account to cover the shortfall of her account. That was not the intent and my money should be returned.
Put my money back in my account and contact my daughter for a resolution to her account.
Contact Name and Title:***, COO
Contact Phone: ***
Contact Email:***@ncsecu.org
A letter has been mailed to Ms. Flow explaining the ownership of her accounts. As a joint owner of her account, her daughter has full ownership of the funds in the account and therefore all the funds are subject to being used to repay her debts at the credit union. The letter explained other options to Ms. Flow that will allow her daughter access to Ms. Flow's funds such as a Personal Agency without actual ownership of the funds.
I did receive a letter explaining the process. They should have explained that to me before I made that change. I will be making that change, soon.
Marked payments as late. Local branch stated that there was a glitch in the autobill system and that it wouldn't show on my credit report.
01/01/2016, 02/01/2016, 03/01/2016 and 04/01/2016
Removal of late payment remarks from all three credit reports.
This is in response to the complaint filed with the Revdex.com (Revdex.com) and received by the State Employees' Credit Union (SECU) regarding the member's request for SECU to expunge delinquent payment information about the member's credit card that is being reported to the credit reporting agencies. The member alleged that SECU incorrectly reported late payments that were caused by SECU's error in processing autopayments for the member. The member's concerns were investigated by the SVP of the Loan Servicing Department and reviewed by the Loan Compliance Department. The records show that SECU is accurately reporting the account's history. Documentation in SECU's records contains evidence of delinquent payment history on the account during the period of January 2016 through April 2016 based upon payment amounts that were insufficient to cover the minimum amount due on the credit card. The member was informed about the past due amounts and information was also provided about the option to set up automatic drafts of the minimum monthly required payment. The member did not submit a request for automatic drafts until September 2016. Therefore, SECU's records are accurate with respect to the account's delinquent history during the period reported.
Please advise if you have any questions or need any additional information.
Autopay was setup thru the local branch when I activated this card. I was informed when the first payment didnt post that I would need to make a manual payment. Because the autopay hadnt went thru as of yet. The local rep stated they would removed the last payment fee and that it wouldnt show on my credit report as this was a communication oversite. That I would take 30 days for the autopay to fully activate.
This went on for several months as you can see. Once the autopay issue was finially fixed all oayments after were processed correctly.
Incorrect information stating that utopay want submitted until September. Autopay was submitted in January 2016. However wasnt processed until May 2016.
However the credit union records dont show it being submitted until Sept 2016. How is it that autopay was enable before you say it was submitted?
This is in response to the member's rebuttal filed with the Revdex.com (Revdex.com) and received by the State Employees' Credit Union (SECU) regarding SECU's reporting of the member's delinquent credit card payment information. The member has disputed SECU's record and alleged that the member authorized automatic payments at the time the credit card account was originated. The rebuttal also claimed that the member was informed that branch processing issues with the automatic drafts resulted in the insufficient payments attributed to the member. SECU conducted a thorough investigation and the evidence does not support the member's claims. The member's account records contain copies of the multiple collection letters mailed and documentation of conversations held with the member's between December 1, 2015 and July 1, 2016 to inform the member about the delinquent payments and also to offer the option to set up the automatic payment feature. The records show that the automatic draft feature was applied to the account when the signed authorization from the member was received in September 2016. No documentation could be found describing any malfunction in processing automatic drafts that was the cause of the delinquency. The file documentation demonstrates that SECU is accurately reporting the account's delinquent history during the period reported and no corrections are necessary.
Around November 20th, 2017 I applied online for an increase on my credit card. This is what the representative messaged me back
Date: 11/20/2017 9:24 AM
From: ***
Dear Member,
Thank you for considering your credit union for this loan request. In order to process your request, we need to speak with your mother who is the co signer. Please have her to contact a Financial Services Officer at ***. We will ask for your Application ID. We will hold your application on file for up to 30 days. Thank you for choosing your credit union.
I told the representative that my credit report had already been pulled and they only wanted to contact my mother to get her permission to run hers. After all the issues over the phone, the representative asked for us to come into the local branch. I told them not to run my credit again and they've done it anyway without my permission.
Correction to a credit report Remove double entry from my credit report.
This is in response to the complaint filed with the Revdex.com (Revdex.com) and received by the State Employees' Credit Union (SECU) regarding the member's request to remove a duplicate record of a credit inquiry made by SECU when the member applied for a credit card limit increase. When the member, who is a co-applicant on an SECU credit card, applied for the loan, the member's credit report was pulled. Since there are joint obligors on the credit card, the permission of both obligors was needed to complete the application for the credit increase. When the member and the co-applicant visited the servicing branch to complete the application, both credit reports were pulled which caused a duplicate inquiry to appear on the member's credit file. SECU's investigation has confirmed that the member's credit file was pulled twice in error. To rectify the error, SECU submitted an Inquiry Removal request to Equifax on December 11th to remove the duplicate inquiry from the member's credit file. Based upon Equifax processing, the inquiry removal should take from 30 to 60 days from the date of request.
Please advise if you have any questions or need any additional information.
I'm satisfied with response. Thanks so much.
I contacted this bank for over 2 years in regards to this matter, they have on my credit report that I owe them $227.00 which is incorrect, this company took my last paycheck 2 years ago & 3 months of the amount of $575.20 leaving me with the amount of $348.*** I had closed down the account because I was experincing fiancial hardship and I made it my priority to pay them because I never know when I need them again. I went into the bank a couple of months ago and now they stating again that I still owe them and I'm just tired of going through this with them because I took care of this 2 years ago and I'm still dealing with this situation. It's very fustrating everytime I go up there the " General Manager " is never in, and when I call they keep disconnecting the call I'm beyond fed up! I paid them! & they still asking for more money.
Product_Or_Service: UNSECURED LOAN
Other (requires explanation) REMOVE OFF MY CREDIT REPORT
Re: Revdex.com Complaint Case #***
This is in response to the complaint filed with the Revdex.com (Revdex.com) and received by State Employees' Credit Union (SECU) on October 20th regarding a member's dispute concerning a charged-off loan account which appeared on the member's credit report. The member claimed that the negative item had been satisfied and should be removed from the member's credit report. An investigation was conducted by SECU's Credit Reporting department and it was confirmed that the account is being reported correctly by SECU. The loan account was opened in July 2015 and was reported delinquent in September 2015. Subsequently no payments were made to satisfy the outstanding balance of $227.59 and the loan was charged off in January 2016. As of this date the balance remains unsatisfied based upon SECU's records. Should the member provide documentation such as a receipt for the amount claimed to have been paid on the outstanding balance, SECU will review the member's account records based upon the member's submitted evidence. The member has been notified about the outcome of SECU's investigation into the member's concerns in a letter dated October 25th. It is the practice for SECU to include any documentation relating to SECU's investigation to the member. However, since the address provided by the member to the Revdex.com did not match the address on file with SECU, the member's personal information could not be sent. The member has received instructions for updating the member's address in SECU's records so that the information can be forwarded to the member.
Please advise if you have any questions or need additional information.
DO NOT DO BUSINESS WITH THIS BANK!!!!! the banking system is ancient, the customer service reps and all other reps are RUDE UNPROFESSIONAL, NOT KNOWLEGEABLE, and just flat out BUMS!!! when calling in be prepared to reach and untrained, unprofessional, unfriendly, NON CUSTOMER SERVICE REP that is going to pass your call around and around the entire company. Ask for a manager and they aren't any more helpful than the CSR's everyone listens but there is still no change in the member service quality. I WOULD MUCH RATHER SUPPORT A LARGER FINANCIAL INSTITUTION THAT IS GOING TO ENDURE MY NEEDS ARE MET AND I AM SATISFIED THESE PPL MUST BE UNDERPAID BC THEY DO NOT CARE ABOUT THIS BANK LOOSING BUSINESS UNTIL ITS LAY OFF TIME AND THEIR JOBS ARE ON THE LINE IN 2017I HAVE HAD TO SPEAK WITH A MANAGER EVERYTIME I HAVE CALLED............... NOT TO FORGET IF THEY CANT FIGURE OUT THE ANSWER TO YOUR QUESTION THEY WILL HANG UP ON YOU!!!!!