Complaints

This profile includes complaints for State Employees Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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State Employees Credit Union has 61 locations, listed below.

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  State Employees Credit Union

  119 N. Salisbury St. Raleigh, NC 27611

• 

  State Employees Credit Union

  502 N Brightleaf Blvd Smithfield, NC 27577-4407

• 

  State Employees Credit Union

  420 Becker Dr Roanoke Rapids, NC 27870-3302

• 

  State Employees Credit Union

  411 Central Ave Butner, NC 27509-1915

• 

  State Employees Credit Union

  PO Box 27665 Raleigh, NC 27611-7665

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a transfer from my SECU savings account approximately 8:00 am to the credit card in the amount of 5000. That should have been a cash transaction . 0n 4//18/***** of 4/21/25 it was not posted against the full amount. When I called after 5pm today on 4/21 it still not posted I was told it takes a full business day and will not post until after midnight tonight because Friday was a holiday and there was no one to post it. Funny there was no there to post my payment but it doesnt stop them in posting interest. SECU said they cant do anything about it. They dont care and no one is going to do anything about it. Apparently more and more people are complaining about this companys sorry practices on BBB as over 140 complaints were noted on this website in past 3years and 48 complaints against SECU was closed in past *********************************************************************************************************** the SECU board. Apparently all levels are poorly managed.

  Business Response

  Date: 04/22/2025

  SECU has received this complaint and will investigate. If the consumer is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.********** ********** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/27/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Subject: Complaint Regarding Unauthorized Charge Reversal and Handling of Dispute I am filing complaint regarding the handling of a dispute by SECU, a financial institution with which I have maintained a membership for over a decade. Recently, an unauthorized charge from ****** was posted to my account. Although ****** later reversed the charge by retracting the payment, this action inadvertently resulted in a returned payment to one of my creditors. The issue originated when ******, after failing to deliver the merchandise I ordered, claimed they could not verify my identity and subsequently withdrew funds from my account. I promptly disputed this charge because I did not receive the goods and because ****** refused to issue a refund.Given SECUs longstanding relationship with me and their access to my complete transaction history, I am perplexed as to how this reversal was approved. I do not file fraudulent claims, and I expect that my history of responsible transactions would have been taken into account. Furthermore, ****** has not provided any evidence, such as a delivery photograph, to substantiate their claim that the merchandise was delivered.I respectfully request that the BBB investigate this matter and assist in resolving the discrepancies in SECUs handling of my dispute. I would also appreciate clarification on the verification process used in this situation, as it appears that the reversal should not have been permitted under these circumstances. Thank you for your attention to this matter. I look forward to your prompt response.

  Business Response

  Date: 03/24/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.
  
  

• Initial Complaint

  Date:03/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Within the last 3 months I have had two different debt card have fraud and drain my whole account. When I call the bank once Ive realize which is normally within a few hours of the transactions all the bank does is shut off that card, ship you a new one which will take 7-10 business days and wont process the fraud claim until it is no longer pending. So I have to officially wait for all my money to be stolen before they will file a claim and then that claim will take another 7-10 business days. Its the only bank that doesnt care about its members as someone else was able to do multiple ****** withdrawals without the bank even catching on whereas most other banks would stop continuous chargers and question the fraud before someone hard earn account is completely empty. Then that person is left to figure out how to live until they get all their money back and a debt card.

  Business Response

  Date: 03/21/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NCSECU is the mortgage lender on a mortgage jointly owned acct #********* with my wife and I . On March 14th ***** I contacted them to get an update on mortgage that is in collections due to missed payments. The *** I spoke to ********************* my wife called in with her version on the why payments where missed . I informed the *** that I wanted mortgage assistance and I wanted a note annotated on the account to reflect accurate information I knew to be true. The *** ********************* he would .I completed the mortgage assistance application and submitted it to the company The *** ********************* my wife would have to sign it and it would be processed for a payment arrangement to stop the home from going into foreclosure. I also emailed the *** . The *** ********************* he could'nt change or modify the form once it was forwarded we could handle the correct info but that the form could'nt be changed .On March 20th***** I spoke to a *** to get an update to see if the application was completed by my wife. The *** ********************* that my wife requested them to change and modify the application to remove information that she did'nt want on it . I asked the *** did she see my notes from the March 14th date where I wanted it annotated on the account my version of what was occuring that way both parties have the notes documented. The information she back didnt reflect the notes I wanted annotated .and did not have the accurate record. The *** ********************* that the only way we the application could be processed is if the version my wife wanted . I informed her that both parties version should be noted not hers ,both parties notes should annotated on the account not just hers. The credit union is using discrimination based on *** to deny mortgage assistance as well as account holder discrimination ,which is illegal. The application to have both parties information equally submitted. The *** only let my wife make modifications but I was told I couldnt. This is discrimination

  Business Response

  Date: 03/21/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

  Customer Answer

  Date: 03/24/2025

   
  Complaint: 23093382
  
  I am rejecting this response because:

   

  I spoke to a Representative ****** and she stated the Application for assistance could not be completed unless I signed off on my estranged wife version . The issue with the notes was not addressed as she got off the phone .The parties are joint owners of the property and account . The ****************************************************************** is being discriminating against me .
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:03/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ACCOUNTS ******************************************* CU/PSCU ACCOUNT NUMBER ******************************************************** REFLECTS AS A NEGATIVE ACCOUNT AS WELL AS SHOWING INACCURATE INFORMATION AS WELL AS SHOWING THINGS THAT SHOULDNT BE ON MY REPORT DUE TO THE *** FCRA 605B (15 U.S.C. 1681c-2)(a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any ************** the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.

  Business Response

  Date: 03/19/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The bank withdrew 2307 from my account without my authorization. When I spoke with a representative, they failed to inform me that the payment would be processed. My Deposit Account Agreement does not permit the bank to make payments on my behalf without my consent. i am requesting an immediate reversal of the charge and a written explanation of why the payment was processed without approval. If the issue is not resolved I may escalate the complaint to the appropriate authorities.

  Business Response

  Date: 03/18/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Good day. I visited the *** in ******* off ************. I took out ****** and was charged a 3.00 feel from the Navy Federal Debit Cart ending in 5245 and the machine never dispense the money and immediately went out of order the ***. This was charged to my Navy Federal Credit union account. I contact Navy Federal Credit, and they advised to make State Employees Credit Union aware. This happened on March 14, 2025 between 10:30-10:45am. I went directly in the branch afterwards to speak with someone, and the lady up front just shook her head as if she didn't even care I didn't receive my ****** from a broken *** machine. She sent me to a teller who didn't care as well and said you need to contact Navy Federal. The 500 I took out was to help my daughter pay her rent by the 15th. I asked can I get some type of proof or time stamp the machine didn't dispense my 500 and she said you have contact Navy Federal which I didn't understand your machine at SECU didn't dispense my ******. The branch location was ******************** branch at **************

  Business Response

  Date: 03/17/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

• Initial Complaint

  Date:03/17/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please see attachment

  Business Response

  Date: 03/17/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.

  Customer Answer

  Date: 03/17/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:03/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute the entry on my credit report related to ******XXXX with State Employees Credit Union, which was reported as a debt write-off. I understand that the debt has been written off, but I have not received a 1099-C form for the canceled debt, as required by the Internal Revenue Code (IRC) and the *** regulations for canceled debts of $600 or more.According to the Fair Credit Reporting Act (FCRA), any information that is reported to a credit bureau must be accurate and complete. The failure of the creditor to send me the 1099-C form is a violation of IRS rules and may also violate the **** in regards to the completeness and accuracy of the information reported on my credit file.The IRS requires that creditors send a 1099-C form to individuals whose debt has been canceled or discharged. If the creditor fails to do so, this omission may be grounds for having the negative information removed from my credit report as inaccurate or ************* the creditor has failed to provide the 1099-C form, I request the immediate removal of the account associated with State Employees Credit Union, 1-27-2022 and 3-4-2021 with account number ********** from my ********************** report. Failure to do so may result in further legal action based on violations of both *** regulations and the Fair Credit Reporting Act.Please confirm the removal of this entry from my credit report and provide written documentation within 30 days from the date of this letter, as required by the *****

  Business Response

  Date: 03/03/2025

  SECU has received this complaint and will investigate. If the complainant is a member of SECU, we will contact them directly.