STATE EMPLOYEES CREDIT UNION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11201	Web	Older American
I have filed multiple disputes XXXX against the North Carolina State Employees Credit Union over this 30 day late issue and the SECU will not bend on their position. I have been a member of the SECU since XXXX and have had this XXXX card never having a late payment. I have spent much time and some money already and this issue has forced two of my creditors to close my accounts ( XXXX XXXX and XXXX XXXX ) because of this 30 Day late that has also affected my credit score. My credit score is approximately 740 ( my wife is slightly higher ) and I have NO late payments on my history. Here is the timeline. * I had not used this XXXX since at least XX/XX/XXXX. * SECU had not allowed online access to XXXX accounts until recently unless you maintained a debit card. We opted out of a debit card years ago and tried as recently as XX/XX/XXXX and couldnt get access. I did finally receive access in XX/XX/XXXX. As a result of not having online access to my accounts, I had to rely on the XXXX for statements. * SECU did not print a statement for my account from XX/XX/XXXX until XX/XX/XXXX. They have stated in a letter to me in XX/XX/XXXX they dont always do an account statement. Now that I have online access that is not true as far back as I can see online. I have a screen shot available. * In late XX/XX/XXXX I had a charge of {$75.00} for an automatic renewal on my card of a magazine I cancelled in XX/XX/XXXX when I switched to a digital subscription. ( They have subsequently give me a credit for my digital subscription to make up for this {$75.00} charge ). This charge would appear on my XXXX statement with a payment due if {$40.00} and a due date of XX/XX/XXXX. * I NEVER received the XX/XX/XXXX statement by USPS. Since I had not used that card at that point I wasnt expecting a statement in the mail. I use XXXXSPS Informed Delivery, which sends me a daily email with scanned copies of my email and on the emails in that period I didnt delete there is no record. When I spoke with USPS about Informed Delivery, they instructed me that they send all copies of mail to the FBI who holds them for one year. In order for me to obtain the couple of copies of days that I deleted in XXXX, I will have to pay a lawyer to subpoena the FBI for a copy? * I used the card for the first time since at least XX/XX/XXXX on XX/XX/XXXX and was expecting this bill. There was a charge of {$20.00} on this statement for a fee it was only located on the top right of this statement and not with the charges so I really didnt know it was a late fee. I assumed this fee was for the new card that I had received and activated. There was only one page with the statement. When I received online access in XX/XX/XXXX I saw the second page of the statement showing it was a late fee. I received the XX/XX/XXXX statement ( According to USPS Informed Delivery received on XX/XX/XXXX ) when I returned home from a holiday vacation and received my held mail on XX/XX/XXXX. The XXXX statement was due XX/XX/XXXX. I pay all of my bills electronically with XXXX XXXX XXXX XXXX XXXX or directly on the vendor website. SECU doesnt accept electronic payments, so XXXX XXXX XXXX processes and mails a corporate check to SECU. I have been doing this for years with no problems and had no problems with other vendor payments. I paid my SECU statement on the evening of XX/XX/XXXX. XXXX XXXX XXXX processed and mailed the check on XX/XX/XXXX. They marked the check with the expected receipt date of XX/XX/XXXX. According to the XXXX XXXX XXXX website they deduct the check amount from your account the day it is received by the vendor. XXXX deducted the check amount from my account on XX/XX/XXXX - 6 days before the due date of XX/XX/XXXX. XXXX XXXX XXXX shared this information to me by email that it was processed and mailed on XX/XX/XXXX and received on XX/XX/XXXX and deducted. I shared this email in the last dispute that I lost with SECU. SECU held the check and they did not process until XX/XX/XXXX - 8 days after the due date and invoking a second {$20.00} late charge. * So, I made my payment XX/XX/XXXX and knew the payment was paid because it was deducted from my XXXX XXXX XXXX account on XX/XX/XXXX. Some time late in XXXX I received an email from my credit monitoring company talking about having a 30 Day Late Payment and getting back on track. I assumed it was a promotional email as I have not had a 30 day late payment before. * When I received my XX/XX/XXXX statement ( USPS Informed Delivery received on XX/XX/XXXX ) there was a {$20.00} late charge. I couldnt figure out why I had a late charge because I paid via XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, processed on XX/XX/XXXX and received and deducted from my XXXX account on XX/XX/XXXX. I immediately made a payment {$100.00} payment on XX/XX/XXXX and processed and mailed by XXXX Bill Pay on XX/XX/XXXX that was received and deducted from my on XX/XX/XXXX XXXX. XXXX processed the XXXX Corporate check on XX/XX/XXXX. I made another payment of {$50.00} that XX/XX/XXXX received by SECU on XX/XX/XXXX and deducted by XXXX on that day and processed by SECU on XX/XX/XXXX. On XX/XX/XXXX I processed a payment through XXXX XXXX XXXX of {$1800.00} to pay the credit card in full. It was received by SECU and deducted by XXXX on XX/XX/XXXX. SECU processed on Monday, XX/XX/XXXX. Evidently checks are arriving and sitting until being processed. * At this point, I still had no clue about the automatic XXXX renewal charge as all of the statements I received didnt reflect that. I also couldnt figure out why I had late charges. In XXXX I received another email from XXXX about a 30 day late and since I have been a past fiction of identity fraud and have to use a PIN with the IRS I decided I needed to investigate. In XXXX I contacted SECU to inquire why I had late charges and found out there was a charge in late XXXX. I stated it wasnt on my XXXX statement. I was told it was on XXXX statement. I asked for copies of the statements and was told I would receive in XXXX business days. When they arrived I say the Late XXXX charge on my XXXX statement. I had paid the XXXX statement on XX/XX/XXXX and it was deducted from my account on XX/XX/XXXX. I contacted XXXX XXXX and they gave me a credit to my digital account in lieu of a refund back to my card since I had already paid the SECU card off in full. When I looked at the National credit guidelines I saw that a payment wasnt late until it was overdue by 30 days. I knew I had paid the SECU account well more than the minimum and it was received and deducted so I knew the SECU had made a mistake. * Knowing the info from above bullet I filed a dispute with XXXX. The dispute came back relatively quickly and I lost. Not only did I lose, but SECU listed no data from me in XXXX and listed me as late again in XXXX. Keep in mind I made payments if {$100.00}, {$100.00}, {$50.00} and {$1800.00} and the account had been paid in full on and deducted from my account and credited by SECU on XX/XX/XXXX! Were they mad that I made a dispute? * I disputed again and lost, and they removed the XXXX late and added data for XXXX but the XXXX late remained. * So I called the SECU AGAIN in early XXXXand finally found someone who was able to give me a card ( not an atm ) that I could use to set up online access. I started online access and after waiting XXXX business days and was able to setup online access around. * I recently involved XXXX XXXX XXXX XXXX XXXX in the dispute and they have sent me proof of payment and verified the dates I processed, they processed, when SECU received and also when SECU processed. We had several conference calls with the SECU Service Center with XXXX explaining it was paid and requesting help to return late fees and reverse the 30 day late. Each time we were put on hold for up to 30 minutes. XXXX called back and we continued to repeat the process. Finally one person did come back and said the supervisor couldnt deal with it. * I also had sent copies of the second dispute along with an addition letter to the SECU since I had unreasonably lost twice.I received a letter back from them stating they dont have to print statements every month, they included copies of my statements and said they sent me a letter stating my payments were late and they called me to tell me its late. I have no record via USPS Informed Delivery that I received the letter telling me my payments were late ( computer copy was in their mailed packet ). I have printed out all of my cell and landline phone records from XXXX through the end of XXXX and I have no calls from any area code in North Carolina and no toll free numbers that match anything from SECU. * BOA finally spoke with a supervisor at SECU and had no luck whatsoever and they suggested I take it up the chain. * Now, I had XXXX XXXX cancel my account because of multiple lates by SECU. I received full documentation from XXXX verifying that I had paid everything negating a XXXX day late and disputed again and lost the dispute within 70 days. * Again, I have never had a 30 day late payment and have been a 35 year of the SECU. I am appalled that SECU will not acknowledge that I didnt receive the XXXX statement blaming it on the USPS XXXX especially when I use Informed Delivery that shows no proof - yet blame the USPS for not receiving my check on or near XX/XX/XXXX. XXXX maintains they deduct the money from your account when they have delivery. On all of the other payments SECU processed within a few days of receipt. Please keep in mind I have been a member for 30 plus years and have not had a late payment. All of this over a {$40.00} payment that they have charged me am additional {$40.00} in late fees. This process has cost me a lot of time, money and has substantially damaged my credit. I am dismayed that XXXX has seen my evidence yet they yield to SECU who has been uncooperative with XXXX XXXX XXXX. I have worked with XXXX XXXX XXXX to have SECU yield in this, but all that has happened is we have been put on hold waiting for a supervisor who never comes. XXXX has suggested I should continue to pursue this as the records show I made the effort to pay well before the deadline. Each CSR I spoke with was surprised XXXX didnt step in and resolve this since SECU wont. I have lost two credit accounts that have hurt my credit score, this 30 day late credit score is hurting my score as well. Although I am still around 740FICO this is going to hurt me as I apply for a new mortgage shortly. My only options are to try to get your organization, the Attorney General of NC or NCUA to do something about this or I am going to have to waste the time and money that I dont have as I retire in a few months to hire a lawyer to subpoena Informed delivery for the 3 days I dont have record via email and to take the SECU to court for hurting my credit, having accounts cancelled, costing me more on a mortgage and causing me heart-related issues. I would cancel this account, but that would affect my score even more. Given their vindictiveness and lack of cooperation, I expect them to close my account and then I will go full on after them legally. Lease help! Thank you!
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27587	Web
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in full-ness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNER-SHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted re- porting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account : State Employees Credit Union Account # Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( XXXX ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. This letter is regarding my account ( XXXX ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( XXXX ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Col-lection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( XXXX ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ON-LY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit re-porting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial set-ting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full dele-tion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
05/15/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 28645	Web
NCSECU is trying to rob me. Forcing me to pay for their mistake. We purchased and closed on a property located at XXXX XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. The NCSECU had received all of our papers, and forms including a binder from our insurance agent with 3 separate policies. These policies where not put on our closing and where not paid. Now, the NCSECU is forcing us to pay for their mistake. They have taken out a "loan" and are telling me that I have to pay it back over 3 years WITHOUT me SIGNING anything. They have now raised our house payment over $300 per month in order to accomplish this. XX/XX/XXXX a XXXX XXXX called me from the XXXX XXXX of NCSECU. She basically tried to make it out to me mine or my Realtors fault for their mistake. At this time I told her that I was talking with another insurance company that had lower rates. I let her know that I could not pay this money as I had already paid out thousands in home repairs and upgrades. I told her that it was NOT OK to do anything that would make the payment go up from what was listed on the closing disclosure. XXXX XXXX told me that she would call me back on Tuesday XX/XX/XXXX. She never called me back. I returned back to work on Wednesday XX/XX/XXXX to find this e-mail: XXXX XXXX, I have verified that the XX/XX/XXXX envelope containing the premium due on your insurance was delivered yesterday morning. We have completed the processing of your mortgage loan and have determined the payment amount will be $XX/XX/XXXX. This amount includes the principal and interest, escrow for insurance and taxes and the amount needed to make up the shortage for the insurance premiums. The shortage amount has been spread out over a three year period. You should receive your escrow analysis statement in the mail within the next few days. If you decide to change the flood insurance company that offered you the lower annual premium amount, please let us know and we will adjust your payment based on the new amount. Once the new policy has been paid, I would think that you will receive a refund from the current company. I certainly understand your frustration that the premium was not collected at closing. The information on the Closing Disclosure was reviewed and accepted by you and your realtor. If questioned, we certainly would have revised the Closing Disclosure to include the premiums which would have increased the amount needed for you to bring to closing. XXXX XXXX Vice President - Loan Closing Services State Employees Credit Union Phone: XXXX I e-mailed her back: XXXX XXXX, You failed to call me yesterday as you said that you would. This e-mail is very disturbing. You in no way had my permission to charge me for something that was XXXX XXXX mistake, and then to spread it out over 3 years is absurd. I am in the process of writing letters to both the BBB and the attorney general. I will let them know just how your company has failed and is trying to charge me over $200 a month for that failure. I will not stand for this. I am asking now that you correct this matter, if no action is taken on your part I will continue and I will make sure that this matter gets taken to court. It appears to me that this is highway robbery, perhaps this is a way for the bank to obtain a house at a low price to try and foreclose on it to sell it for a higher price? To make myself clear by no means did you have any right to take out a loan in my name without me signing anything. That is illegal. Sincerely, XXXX I did not receive an e-mail back instead I got a phone call from a XXXX XXXX, on XX/XX/XXXX in the morning. Again XXXX XXXX wanted to force the blame back on me or my Realtor, stating that it was our fault. I told her on the phone that what she was trying to do was make it to where I couldn't pay the payment so that they would have to foreclose on our home. We argued for about 20 minutes and I told her that I was at work and I had to get off of the phone. That day I went and I found an insurance company that was reasonable, I bought and paid for a premium, and I sent NCSECU the insurance Declaration. I expected our payment to drop back to close of that of which it was stated on the closing disclosure. Instead of Dropping, it went up to over $600 a month. (It was supposed to be around $XXXX as stated on the closing disclosure.) Now, not only does the bank want me to pay for their mistake, they have added my new insurance coverage in as well. It is currently XX/XX/XXXX. The bank for whatever reason is now harassing me about the insurance agent not returning their calls. I told them again this morning that all of this would have been avoided if they would have simply listened to me in the first place and not sent any checks without my knowledge and permission. This is the e-mails from today alone: From: XXXX XXXX [mailto:XXXX] Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX Cc: XXXX, XXXX XXXX Subject: RE: Flood Insurance Declarations: XXXX XXXX XXXX XXXX, I never once communicated with XXXX XXXX that it was OK for anyone to pay ANYTHING on my behalf from Escrow. That is a downright lie. I told her Exactly as I told you. Had XXXX XXXX not have made the mistake I would have had the funds to have paid it at CLOSING. However, since that I time I had made repairs and upgrades to the home and could not afford to pay it in a lump sum. I told her that anything that would make the payment go up from what it was stated on the closing disclosure was NOT OK. Also, I told you that I had ASKED them to cancel it last week. I never said anything about them doing it. Sincerely, XXXX XXXX XXXX XXXX / Damage Restoration / Inspections Supervisor (XXXX) XXXX Ext. XXXX XXXX From: XXXX, XXXX [mailto:XXXX] Sent: Monday, XX/XX/XXXX XXXX XXXX To: 'XXXX XXXX' Cc: XXXX, XXXX XXXX Subject: RE: Flood Insurance Declarations: XXXX XXXX XXXX XXXX: We are working very hard to try and find a workable solution for your escrow. The original flood insurance you applied for, accepted and were set to pay at closing is the policy that we paid for. It is my understanding that you when you spoke with XXXX XXXX, she made you aware that we were going to pay the policy and you stated that was fine but you were going to now shop around for another policy. All we need is verification that the policy has been cancelled by your agent. Because they are not returning calls or emails to us, we ask that you have then send the notification to you directly for us for verification. You indicated that they had cancelled it last week so sending notification to you should only take a few minutes of their time. XXXX XXXX (MLO# XXXX) Senior Vice President Loan Origination Services State Employees Credit Union Ph: XXXX or XXXX UC Extension: XXXX From: XXXX XXXX [mailto:XXXX] Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX Cc: XXXX, XXXX XXXX Subject: RE: Flood Insurance Declarations: XXXX XXXX XXXX XXXX, I also wanted to point out that when I first spoke with XXXX XXXX I communicated with her that I was looking into a different flood insurance company. She told me that she would make a note of that. This was BEFORE you had ever decided to make my escrow go into a negative balance without my permission. Sincerely, XXXX XXXX XXXX XXXX / Damage Restoration / Inspections Supervisor (XXXX) XXXX Ext. XXXX XXXX From: XXXX XXXX [mailto:XXXX] Sent: Monday, XX/XX/XXXX XXXX XXXX To: 'XXXX, XXXX' Cc: 'XXXX, XXXX XXXX' Subject: RE: Flood Insurance Declarations: XXXX XXXX XXXX XXXX, Had you never have sent a check without my knowledge or approval we wouldnt be dealing with this right now. The only thing my insurance agent has told me is that it is still in a pending status. Underwriting must release it and then it can be cancelled. I fully expect you to do what is right in this situation. Your agent in the XXXX NC office first messed things up. After that you all decided it would be a perfect opportunity to try to sink me and my family financially by throwing a so called loan onto us. Now when I am trying to fix things we looked at our house payment and it says it is over $600 a month. This is outrageous. Sincerely, XXXX XXXX XXXX XXXX / Damage Restoration / Inspections Supervisor (XXXX) XXXX Ext. XXXX XXXX From: XXXX, XXXX [mailto:XXXX] Sent: Monday, XX/XX/XXXX XXXX XXXX To: 'XXXX' Cc: XXXX, XXXX XXXX Subject: RE: Flood Insurance Declarations: XXXX XXXX XXXX XXXX: Hope you had a wonderful weekend. I wanted to reach out again to see if you were able to speak with your insurance agent about the cancelled flood policy. We have emailed and called your agent with no response and until we receive documentation that the prior FEMA flood policy has been cancelled, we cannot proceed with any changes. Ive included XXXX XXXX XXXX on this email as she is the Manager for our Escrow Department. She has explained to me that there are issues with cancelling FEMA policies so that is the reason we need your agent to send us documentation that they have cancelled the policy as they have told you. Im traveling for work and out of the office most of tomorrow and Wednesday so if you have any updates or questions, please reach out to both XXXX and me and one of us will respond. Thank you! XXXX XXXX (MLO# XXXX) Senior Vice President Loan Origination Services State Employees Credit Union Ph: XXXX or XXXX XXXX Extension: XXXX I have done everything I could to try and correct the banks mistake. I went and found insurance, paid for it, expecting the bank to take actions on their mistake and instead they just try to charge me more. XXXX XXXX from the XXXX branch of the NCSECU is where this mistake started. He wouldn't communicate with my Realtor, he didn't communicate with the insurance agent, and he even lied to my wife on at least one occasion. Because of his mistake I might lose my house!
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30132	Web
STATE EMPLOYEES CRED Union and XXXX continue to report inaccurate information on my consumer report. State Employees credit Union alleges I owe them a debt but have no balance due on the account. XXXX is the only reporting agency reporting this alleged debt. I have received no notice to dispute this alleged debt before it was added to my consumer report. This is a violation of the FDCPA which states the consumer to validate any alleged debt. 15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev \| next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 15 U.S. Code 1692f - Unfair practices U.S. Code Notes prev \| next A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev \| next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
10/15/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NY 14606	Web
I feel incredibly swindled and disturbed by the intentional lowballing of my home price and BAD FAITH approach by State Employees Credit Union on XXXX XXXX XXXX XXXX in XXXX, North Carolina. How in the world is a bank permitted to intentionally sabotage and practically steal from a seller {$24000.00} in actual and factual assets less than one week before their client closed on a house? That's EXACTLY what happened to me. As you see below from my realtor, XXXX XXXX, who works for XXXX XXXX - both her and her colleagues have never seen such a scheme take place and executed so well by a bank. The swindling of State Employees Credit Union and XXXX XXXX XXXX of my assets are nothing short of unethical, illegal and clear demonstration of BAD FAITH. State Employees Credit Union set me up to fail ( as the seller ) less than one week before their clients had to close on my house on XXXX XXXX XXXX in XXXX, NC. All the while knowing my family and I had vacated and left the state to allow their to client move in when ready. In the end the banks BAD FAITH scheme cost me to be shortchanged {$24000.00} by pulling a last-minute stunt to intentionally devalue my home to the benefit of their client via a shady and unethical appraiser. My house was listed for {$250000.00} with the buyers being pre-approved for that amount via State Employees Credit Union. The buyers then asked if I could accept {$240000.00} instead. I didnt even hesitate to approve it and that same day the buyers sent me a letter, via their realtor ( which in itself is unethical ), thanking me for lowering the price and stating how much they loved my home and how pristine it was and one of a kind with TLC showing all over it. They went on to say that as a young couple, newly married and wanting this being their dream house, they would love and appreciate my home fully. They even sent a picture of themselves to really push their efforts. I have a great heart and although Im on full XXXX, I wanted the home to go to this wonderful couple people at {$240000.00}, although it was going to be coming out of my pocket losing {$8000.00} in a very hot home sellers market which I could have kept on the market and not sell it in just one week. Even while on XXXX Ive put well over {$60000.00} of investments in over 2 years ( as this home was my only savings ) into the house as it was my love and pride. Thats how passionate I was about my home. With major upgrades and energy efficiency 2nd to none in the neighborhood or in XXXX XXXX for that matter, I was told by my realtor XXXX XXXX ( XXXX XXXX XXXX, that once the appraiser gave their estimate for the home that there would be the TONS of comps added to raise the overall value to be well over the {$240000.00}. I was told that we would reach the {$240000.00} figure as there were upwards of $ XXXX in comps. But this is where a scheme was played on me. With the banks permission, their appointed appraiser ( XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX, NC XXXX came to my home fully knowing I had vacated the property and began using the completely wrong coms/comparables when pricing my home. My realtor contacted and appealed the appraisal 's terrible and unethical work with State Employees Credit Union clearly showing every line item the appraiser had missed or had done wrong. The State Employees Credit Union did not care one bit and denied our solid, detailed and factual appeal? That's disturbing and clearly shows it was all a set up to intentionally devalue my house in favor of the bank and its client. This is downright unethical and illegal from the standards both State Employees Credit Union and their appraisers should have to follow ethical policies governed by the LAW! Using the completely wrong homes and homes that don't exist as comperables is jaw dropping. Completely denying comps and pretending assets didnt exist is downright disturbing. What Im not understanding also is how the bank refused to even consider our line by line detailed information and EVIDENCE of the errors and omissions by their appraiser who was in a rush going to his next gig and short changing me {$24000.00} in assets owed to me? I was intentionally lowballed {$24000.00} due to State Employees Credit Union actions and they are now turning a blind eye? I am confident that this was all scripted to favor the bank 's best interest and the interest of their client to the detriment of me as the innocent and naive seller who had all good and transparent intentions in mind. With less than a week to closing and this last minute curveball thrown at me I was given two choices : either accept the extortion being committed upon me and lose the {$24000.00} out of pocket that was owed to me and leave FREE ASSETS to the buyers or be potentially sued for pulling out of a contract with less a week to go. That's extortion at its highest degree and I'm very disturbed by it. I am owed {$24000.00} fair and square by State Employees Credit Union and their shady appraiser XXXX XXXX XXXX of XXXX XXXX XXXX. They intentionally omitted facts in favor of the bank and its buyer knowing with less than a week to go from closing that I had no recourse living out of state and the property being already vacated. It is extremely worrisome how my own realtor pointed out the flaws in the appraisal with evidence and it was still ignored. The appraiser had compared homes to mine that didnt even exist or were the wrong homes to compare entirely. Other examples, as there are many others as you can see below, are the solar panels, the thermal shield inside my roof with over {$30000.00} in costs out of my own pocket with interest which will save the new homebuyers over {$2000.00} in electric costs a year. The appraiser valued the entire package at {$5000.00}? Are you kidding me? The national average is a 10 % value to your house but this uneducated appraiser at XXXX XXXX XXXX and a bank who condoned it, valued this extreme asset and value for years to come at only .5 % of the overall home value? This is downright disturbing. At this point, I am giving FDIC the opportunity to cure this issue with State Employees Credit Union or I will have to file with the banking commissions, the FTC and Attorney General of North Carolina to protect future victims of this scheme. What really makes this entire scenario disturbing was that in the last month alone I had paid well over {$2000.00} to have the home professionally fumigated, cleaned, landscaped and cared for all so the new owners ( remember that my gorgeous home was less than 3 years old ) would feel the same passion and love I had put into the property for the last 2 years. That is how ethical and professional I am. During this whole ordeal, I can not say the same for State Employees Credit Union and XXXX XXXX XXXX. I am owed {$24000.00} that I rightfully invested into my home with the appropriate comparables/comps that should have been used in the first place. Please advise, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
08/10/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27610	Web
Hello, I am writing to address a concern I have with your bank and your employee. I purchased a vehicle in XX/XX/XXXX and received a vehicle loan from your bank. At the time I was XXXX XXXX and business was awesome. I made my payments on time until my business reached a financial situation. I then sent my son to college in XX/XX/XXXX in which I had to pay an extensive amount of money out of pocket. During these times I would occasionally speak with XXXX XXXX. Whenever I was late I would speak to her to let her know of my financial situation. In XX/XX/XXXX, I decided to file for bankruptcy, which I listed NCSECU as one of my debtors. In XX/XX/XXXX I made the decision to XXXXXXXX my XXXX. I was going through the bankruptcy for a number of months until I decided to get it XXXX in XX/XX/XXXX. During this time I called SECU several times asking if I could make payments, however I was told each time that I could not due to the bankruptcy still showing. In XX/XX/XXXX, during Covid shutdown, XXXX called about my payments. She threatened to repossess my vehicle if I didn't pay {$2900.00}. I tried to explain to her that I was in a bankruptcy during that time. She did not give me any options as to this payment. It was as if she did not care about my situation. She taunted me because in her mind I did not have the {$2900.00} and she was sure that she would be taking my vehicle. Even during this time of our conversation, she threatened that if I didn't have the payment made by a certain time ( ex : XXXX ) that she would put in the order for repossession. I asked her for empathy because I wasn't working due to Covid, she provided nothing. I had a son in college and the only way I could get him home from school was my vehicle so I pulled the {$2900.00} from a bank account that I did not have with NCSECU. The reason I don't keep money within your bank anymore is because my son had a XXXX XXXX account with you all and there was money in his account, and XXXX pulled that money from a child 's bank account. I had never been so disgusted with a woman ever. How do you do that to a child who works at XXXX XXXX to pay for college. Fast forward to this week, my car was repossesed on last week. I completely forgot the payment. Instead of getting a phone call, I get a repo. I spoke with XXXX and she helped me resolve the issue. I was told that I could not pay a partial amount that I would need to pay the vehicle off in full or I would not be allowed to get my car back. Well again, I went into my bank account that is not with NCSECU to make this payment. This was money that was supposed to be used to send my son to college next week. Here is my issue with XXXX XXXX. Each time I've spoken with her on the phone she is very rude and nasty with me. I've told her this myself several times and even asked her why does she have to speak with me in this deameanor. I don't deserve any of this. When I went out of work due to Covid in XXXX, I told her. Every time after that when my payments were behind, I told her. My son returned from college due to cover and now my home bills increased, I told her. I had no money coming into my household, I told her. Not once was I offered any repayment options. Please look into my notes and see I was not offered refinancing, a modification, an extension, any type of Covid payment options, forbearance, nothing. My mortgage even offered me a forbearance. Why did NCSECU not offer me any type of assistance during Covid, seeing that I am still unemployed. There are no direct deposits coming to your bank. I advised XXXX of every situation I have ever sustained and not once did she offer me any assistance and especially not during Covid. When I paid hat {$7400.00} payment for my vehicle it was a relief. A relief that I no longer have to deal with rude and mean XXXX again. It was a relief that I don't have to get a nasty phone call from someone that works for your company but expresses no empathy for their customers. I didn't ask for sympathy, what I ask for is empathy. Empathy for a customer who has had several accounts with you for years, started my son 's bank account that I no longer keep money in for him. My mother got my account with SECU when I was XXXX years old and I am XXXX now. My grandmother, aunts, uncle, all have accounts with your bank. Why am I being treated so rudely and not even offered any options that would help my financial situation and allow me to feel some relief as I try to get back on my feet. XXXX XXXX who is my mortgage company offered me many options. My utility bills offered me options. My credit card company offered me options. State Employees Credit Union offered me nothing. XXXX was wonderful. She saw in my notes that I was never offered anything and stated that I should have. She was patient with me during the process of getting my vehicle and even made calls herself with the repo facility. She offered me reimbursement on my XXXX ride to XXXX to get my vehicle and also made sure I didn't have any out of pocket storage fees. If I had XXXX during my loan process, I am sure my last 4.5 years would have been much better. So thank you XXXX for your sincerity. I would hope that you look into the clients files that XXXX XXXX has and see how diverse they are. Is she offering her clients options that are available to them. What race of clients does she provide these options to and which does she not. Which age group does she provide these options to and which does she not. Which household median does she provide these options to and which does she not. These are things that need to be evaluated of your employee. I am sure I am not the only customer that has faced these things with XXXX, however I may be the first to reach out. A thorough evaluation needs to be done of XXXX, and although I'm sure your company does yearly standard evaluations, there should be a complete investigation done of all client files. Had I not been stressed with a business, a son going to college, XXXX a XXXX, and then Covid, maybe I would have thought to send this email sooner. Your employee should have also offered me options the moment I expressed to her my hardship. I have been treated very unfairly. And to XXXX, thank you for forcing me to pay my vehicle off because I no longer have to deal with your harassment and an employee who does not care about their customers. Sincerely, XXXX XXXX
04/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28079	Web
Last XX/XX/2022 my bank account had financial fraud. When I first became aware of this and I didn't authorize any of the transactions, check that were written, the wire transfers I didn't approve of either. Along with these internet transfers had high fees attached to these transfers. When I first became aware of these unauthorized transactions I immediately called the customer care number and reported it. The guy that was helping me gave me a new account number but did not issue a new debit card which I asked him if I would be receiving one and he said no, which I thought was strange. However he reassured me that it was fine that I didn't need a new debit card. I trusted him. So I had a new account number at this time so I thought everything was fine, I was wrong the guy on the customer care line had linked the new account with my old account so the activity was still happening without me knowing. When I realized it once again what he had done I contacted customer care again and at this point I was issued a new account and bank card, and she made sure the accounts weren't linked together. This was not my fault even the lady from XXXX XXXX customer care team confirmed this. However, I took the steps on my part and filed a police report, and took all the steps to cover myself so that I would be compensated back. I filed my police report with XXXX XXXX XXXX XXXX ( XXXX ). The detective took my statement and I signed all paperwork to give him access to my accounts and any information needed while investigating my account. The detective arrested XXXX females almost XXXX weeks ago for the financial fraud on my account. When the detective called to let me know the arrests that were made. He also told me that he had reached out to the fraud department " XXXX '' but could never get anyone to return his calls. While the investigation was taking place the fraud department had sent me a letter basically saying they would not continue this investigation and that I had basically lied about my account and the unauthorized transactions. They had decided that they would be closing my case and made it sound like they spoke with the detective. When in fact no one spoke with the detective. The employees that worked in the fraud department were never nice in dealing with them on the many occasions I spoke to them and it was several times that I was basically called a liar. So when the detective contacted me almost XXXX weeks ago and told me the news with the arrests and the investigation and how if he could be of any assistance in helping me recover the money that was took from me not to hesitate to call and he would help me in any way possible. He also told me that he never spoke with anyone. I asked him if it was true about what the credit fraud department had told me, and it was not. I have been a member of SECU for 8 plus years now and you want to think that when your account has this happen that your bank would stand behind their customers not this credit union. It's really sad for anyone to experience this but to have your bank not on your side, I'm lost for words. So when the detective told me the news of the arrests that had been made It was a sense of relief, so I immediately contacted my local branch and spoke with XXXX XXXX who had sat with me for over 3 hours in reviewing all the transactions that weren't mine, he even knew that it was fraud it was very obvious he even said himself. ( For example there would be a charge made by myself and XXXX minutes later another charge but it would be a good XXXX minutes away from where I was. There were several times that the transactions would be happening at the same time but at XXXX totally different places. ) XXXX told me I would have to contact customer care and he gave me the account numbers so it could be easily accessed. I called many times only to be put on hold and no one would answer when I was transferred and if they did answer it was only someone picking up the phone and hanging up on me. This happened I know for a fact XXXX times. I called for XXXX weeks straight before finally speaking with someone and I was told XXXX was the XXXX on this case that I needed to speak with her but she was out of office for the next few days for me to leave a message and that he would also make note and make sure she returned my call back on Thursday XXXX well I never got a call, so I started calling the care line again everyday and it was the same as before I would be left on the line or someone would pick up and hang up on me. Then I spoke with a lady and she in fact her exact words were " hold on XXXX while I ask some questions about this case '', XXXX would never take my call or speak with me on this matter she avoided me at all costs. That is very unprofessional in my opinion. I at least deserve to have my call taken, well when the employee came back she said " they have closed your case and the fraud department also decided that they would not reopen your case, I asked why, I said well the arrests were made so I wasn't lying about any of this like they had said I was. The lady went on to say that it had taken to long, I understand it had been a long time but it's not like I could tell the detective you have to hurry up with your investigation. I did everything I was supposed to do to be compensated back the money that was rightfully mine. So now this is where I am and it really sucks to feel like this, it's one thing to be the victim and to experience financial fraud but to have the bank not backing you either I wouldn't wish this on anyone. This has been so stressful, humiliating, embarrassing along with the sleepless nights I have experienced. Not only did this affect me it affected my fiance and my kids. I would like to add that in their policy it states that they will stand behind their customers and that if police reports are filed, and you notify them immediately when you notice the activity. I did everything I was supposed to do. Also, it states that if they see transactions that they may suspect they will send a text about your account, I never received anything from SECU and you don't have to sign up to receive for this alert.
11/07/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 283XX	Web
XX/XX/XXXX-XX/XX/XXXX I went to XXXX XXXX to purchase a vehicle with my Pre-Approved State Employees Credit Union auto loan. I picked out a vehicle for purchase and contacted State Employees Credit Union to complete the loan process. I spoke with XXXX in the loan servicing center. She said I must fax over proof of insurance on the vehicle, my drivers license, pay stubs, and bill of sale on the vehicle. I sent over all that information and XXXX kept us on hold for over 2 hours coming back to the phone every fifteen minutes asking a question about income and address. At the end of this call at XXXX when the dealership closed at XXXX, XXXX says the application has to be sent to risk management. The salesman stayed over to close the deal, but at the end of the call we where left to wait. XXXX said a member of risk management would reach out to me in the XXXX. I took another day off to close this an get my vehicle, but no one called my so I went to my local branch which is number 25. At that time XXXX XXXX comes out because you cant speak to representatives inside due to COVID-19. He then lets me know that the problem with my loan is my drivers license is they are Florida, but I live in North Carolina. No mention of income verification that was mentioned the evening before by XXXX. I explained to them that I tried every day for 2 months to get into a North Carolina DMV, but was not successful. They said I had 120 to take the loan before it expires. Due to not being able to get into the DMV here in North Carolina I took further action and went to go stay with my mother for a few days to get my drivers license in Florida. I verified with State Employees credit union by phone that this would be ok before doing so. They said as long as I have a valid drivers license they dont care what state I get them in. My grandpa passed away two years ago and I came to live with my grandma in NC. Even though I live with my grandma I frequent Florida a lot to visit my mom. I let the bank employee know this. XXXX say he cant do anything further and he then gives me information for XXXX at another branch. I call XXXX and he says he would check with risk management about guidelines. XXXX comes back on the phone after several minutes and says guidelines say as long as my car is insured, titled, and my address is all North Carolina I can get an auto loan. He said he would notate the account and for me to head back over to branch number 25 to pick up my loan check and sign promissory notes. I then head back over to the branch and XXXX calls back out and says there is still a problem, we cant verify your income. XXXX nor XXXX mentioned anything about that. I was told to go pick up my check and now Im given the runaround again. She also proceeds to say she has no income information to verify. Remind you XXXX kept us on the phone phone over two hours the night before discussing my income. Now they dont have it, but they have everything else the dealer sent over. I say to her that I will go get them. I go to a local print store and have the dealer fax me all paperwork sent to the bank the night before and pick up papers. I go back to the bank and give her the paperwork again. She goes back in and comes back out half an hour later and says a family member owns the corporation you work for and we cant extend you the auto loan for that reason. I explained to her that I may be young, but I know that at this point Im being profiled and singled out because I am a young XXXX female. It is now XXXX and Im still getting the runaround. I ask for the number to XXXX to have this matter escalated and she says let me go get it. She returns with the name and number for someone in her branch. Not the corporate information she promised. My mom then call that number even though it was not what I ask for or was promised and spoke to XXXX XXXX. She gets on the phone all nonchalant and says Im district manager and you have to speak to me before you can speak to someone in XXXX. She explains again that this is not fair practices or proper protocol. I want to nip this in the bud now. She puts her on hold and connects her to risk management. XXXX in risk management says all we need to do is verify the income because her check does not come to this bank. My mom offered to print out my bank statement and send. She says no need. If you can open your banking app and show us where you receive a deposit each week that matches the amount on your check stub we can proceed. I then return to the XXXX branch on XXXX XXXX and wait for another hour. An employee not XXXX who was supposed to come out looks at the banking app and verifies the deposits in the same amount of my check stubs for the past four weeks. We wait another thirty minutes and XXXX calls back and says we cant accept because all the deposits didnt go ACH transfer. I ask XXXX if I could bring in the statement because the employee said he didnt see the deposits. He says no bank statements are not good enough we need tax returns now. I ask if it wasnt good enough why did you have me wait an hour for someone to look at my banking app? He has no answer except unfortunately we cant move forward without tax returns. I explained I have none. Im XXXX and have never filed taxes. Although, I have been working for years I have only been working full time since 2020 and I have no tax returns. He says Ol well unfortunately there is nothing he can do. He then connects me with XXXX and she says the same. I ask her why are they being unfair and racially profiling me? She says no its not that. I says yes it is. You ask for proof, I provide what you ask for and you say well that aint good enough. They had me purchase insurance on a car and give me the runaround for two days. I did my research and I know this is not how it goes. I ask XXXX XXXX for her bosses name and she says I cant give you their name, but I can have them call you on Monday or transfer you to their voicemail. She says hold on and hangs up the phone. She did not call back to give me information to escalate my issue because I told her I was filing a complaint.
06/18/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27604	Web
On Friday, XX/XX/2020 My husband and I went to North Carolina State employees Credit Union to open a savings account and obtain information regarding a pre-qualifying letter ( What items are needed, what it all entails, and education on what the letter is ). We were introduced to XXXX XXXX the financial services officer for this particular branch. She assisted with getting our savings account in order because we found out that were already had an account open but it was inactive. She then proceeded to begin filling out information regarding the pre-qualifying letter. She made no assessment of our knowledge and provided little to no information on what a NCSECU pre-qualifying letter entailed. We were informed the letter would expire in four months and the hard inquiry on our credit would last only 4 months. ( The hard inquiry actually stays for 2 years ) We provided our names, incomes and employment for the past two years. We notified Ms. XXXX that we wanted both my husband and I to be listed as borrowers on the pre-qualifying letter. We discussed that my husband I requested the amount of XXXX for the pre-qualifying letter. Ms. XXXX informed us that she could run several different scenarios as well. So we told her in addition to providing info on XXXX, to also provide a scenario of XXXX as well. She stated that it was a busy day so she would get back to us by Monday, XX/XX/2020 the latest. Ms.XXXX contacted me on Tuesday XXXX, XXXX, 2020 stating that she ran some scenarios but we did not qualify and wanted to know if there were any other numbers for her to run. She called back stating that we still didn't qualify and she was going to run additional numbers. During the call I asked for clarification on what numbers she was running, if she was pulling our credit multiple times, what debt was showing for her that would cause us not to be approved for any of those amounts. We currently only have two debts ( student loan and auto loan ) & a higher debt total was showing in her numbers which was a contributing factor of why we werent being approved for any of the amounts requested. Ms. XXXX proceeded to inform me of credit card debt of single charges of {$29.00} with target and {$31.00} with another bank. It would have been understandable if there was a more significance balance that revolve on the card each month but that was not the case. This is self explanatory that a balance of {$29.00} would be paid prior to the end of the month. She said that if I was willing to provided proof that the credit cards are paid off she can remove them while she factors in our debt to income ratio. She also informed us that HOA fees were included in factoring our debt to income ratio although there was no specific property discussed or identified with Ms. XXXX. Nor was there any explanation on why that was being included in our debt total. She then hastily rushed me off the phone and notified me that she would run the numbers and get back with me. Hours later she sent an email with several different scenarios & informed us that we were denied and that we didn't qualify due to our debt to income ratio being too high. On the documents provided only my husband was listed as a borrower and only his income was included on all documents and scenarios. In one of the scenarios with just my husbands income we did meet criteria with the debt to income ratio she discussed but still was denied and no letter was provided. The numbers on the document also included numbers that increased our total debt total ( which increased our debt to income ratio ). I inquired why I was not listed as a borrower as we discussed and Ms. XXXX replied stating that I was included as well as my income but it is not showing with the documents that she provided. There was no further communication with Ms. XXXX after that. We thought it was an oversight or mistake that she provided documents only showing 1 income although it was clearly stated to include us both as borrowers. Ms. XXXX never rectified the situation after being notified nor did she send updated documentation.We never received a pre-qualifying letter or new documents of various scenarios showing us both as borrowers. On Tuesday, XX/XX/2020, I then called asking to speak with the manager of the branch regarding our experience and was able to get in touch with XXXX XXXX ( the branch manager ). I explained how we didn't have a great experience and how the numbers didn't add up. He said he would review and call me back in few minutes. The manager called us back and stated that the numbers were all wrong and would refer us to the mortgage specialist for the branch and she would take over and further assist us in the process. I explained to the manager that things like this shouldn't happen and how this appears to be XXXX discrimination and incompetence on Ms. XXXX behalf. We began working with another specialist and received our pre-qualifying letter. Indeed we were actually approved. In the future things like this shouldn't happen. I like to point out that my husband and I have credit scores of XXXX & XXXX respectively, we are able to place 10 % down, we don't have significant debt, and we have an income well over 100k. If we were not inquisitive we would have walked away thinking that we currently can't afford to buy a home when indeed we can. We are sharing our experience so things like this don't happen to other people of XXXX trying to qualify to purchase a home. In Lieu of the times, and with all the injustices being done to XXXX people and people of XXXX I would hate to think that there are other people who have also been denied when seeking a home loan from XXXX XXXX XXXX & also when working with Ms. XXXX. The main reason we came to XXXX XXXX XXXX XXXX is because we heard from family, friends and other members how great of a experience they had with the bank. Also how educational, eager, and friendly everyone is throughout their experiences. Lastly, how everyone is so willing to help people with different needs especially with home loans.
11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27612	Web
Dear Sir or Madam, XXXX. STATE EMPLOYEES CRED U Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with STATE EMPLOYEES CRED U and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	VA 245XX	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. STATE EMPLOYEES CRED U bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	NC 28401	Web
According to 12 CFR 1016.1- Purpose and scope. ( a ) Which governs the treatment of nonpublic personal information about consumers by financial institutions this company is only compliant with only 2 out of the 3 requirements under this section. They are in noncompliance of ( a ) ( 3 ) which states that they must provide a method for consumers to prevent a financial institution from disclosing NPI to non-affiliated 3 parties ( ex : consumers reporting agencies ) by opting out of that disclosure. I never received such notice that was clear an conspicuous to me being advised that I had the right to opt out of the release of my NPI. The company has verbally stated that an optout notice for their company does not exist. They refuse to put it in writing .If an optout notice does exist one has not been presented to me and to it didn't not follow the lawful guideline outlined in 12 CFR 1016.3 ( b ) Definitions ( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations. Nor did it follow the lawful guidelines below ( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information. Their website is also void of notices which is also noncompliance of ( iii ) Notices on Web sites. If you provide a notice on a Web site, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the Web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature, and relevance of the notice. They are also in noncompliance of 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice That accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than When you establish a customer relationship, except as provided in Paragraph of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic Personal information about the consumer to any nonaffiliated third party They are also in noncompliance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your Consumers that accurately explains the right to opt out under that section. The Notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal Information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt Out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to Exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant Forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case Of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes The address to which the form should be mailed ; Provide an electronic means to opt out, such as a form that can be sent Via electronic mail or a process at your Web site, if the consumer agrees to The electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt Out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means Of opting out if : ( A ) The only means of opting out is for the consumer to write his or her Own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to The initial notice is to use a check-off box that you provided with the initial Notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27617	Web
Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments for a Salary Advance Account from North Carolina 's State Employees Credit Union ( SECU ) reported for months XXXX, XXXX and XXXX of XXXX. When I signed for a salary advance, in XXXX, it was not communicated to me that this would reflect on my credit report. I have had several different loans with the credit union over the years, all in great stating without any late payments. Upon signing documents for car and personal loans, it was made lucidly clear that those loans were going to be reflected on my credit report as installment loans. I understood if I were to miss a payment, it would convey on my credit report as such. I made these payments even through a harsh pandemic in which my husband was furloughed and my mother-in-law and grandmother passed away from XXXX. My husband being an XXXX XXXX, we were solely responsible for ensuring that she was memorialized properly. Despite this, we still made sure to keep up with our obligations. During our financial turmoil, we still made sure to pay our obligations. The salary advance loan was taken out as we hit a huge financial hurdle in XXXX. We were required to pay approximately {$3800.00} in state taxes, which was resolved during this time. This was a salary advance that was not communicated as a revolving line of credit that would impact my credit score. As a result of the miscommunication, we prioritized things that we knew would impact our credit before it in addition to our State tax debt. We were finally able to clear the salary advance in XXXX. When we finally got our heads above water in XXXX, we also began paying off every medial collection acquired during the XXXX. Some were quite large. It was then when I realized that my credit score dropped by XXXX points because the salary advance was reported as a revolving line of credit. I went to the branch to retrieve a copy of the paperwork, nothing in the documentation conveyed that this would ever result in being a ding on my credit report. The branch manager even went insofar as to say " Well, I wasn't there to know what was communicated to you. '' He, and others that I've spoken to on the phone were unwilling to appeal to the possibility that they were a part of the communication break down. I have had a total of 5 loans with the credit union, including an auto loan that was paid off. Not a single late payment. Why on God 's green earth would I pay those and not the pay day loan? It is so very clear that I was unaware of how this loan was reported. As a home owner, we didn't have a need to review our credit situation over the years. I had absolutely no clue that this loan was framed as a revolving line. A revolving line would entail a balance be paid over time. They held restricted cash of mine in an account that totaled {$160.00}. Why would they not use portions of that as a " minimum payment '' prior to tanking my credit over a pay day loan during a pandemic that knocked us the ground ( my grandmother died 12 days before my mother in law in XXXX )? I am appealing to get this negative information to be removed from my credit profile. As previously stated, this negative information as it was not clearly communicated as something that would impact my credit. You have to ask yourself why we would pay the other loans, despite going through pandemic related financial turmoil, a brief tax issue that resulted in our paying a XXXX XXXX to clear all tax debts, and not this one? It was never clear that this would impact my credit. I keep talking to person-after-person and they keep implying that Im asking them to scrub my credit and implying that I would want them to break the law. I work for the governing body of CPAs. I would never want any institution to break the law on my behalf. What Im asking them to do is to take some accountability for not properly communicating that this would reflect on my credit report as a revolving line. I had no reason to monitor my credit throughout the years as weve own our home, paid our credit card bills, paid off a car note ( with SECU none the less ) without any late payments, kept current on our personal loan and XXXX car note with SECU. The reason why I focused on my credit history because we both received substantial raises in XXXX and wanted to pay off the medical collections on our credit reports. This is literally the only ding on my credit and it does not reflect my true credit worthiness. Additionally, they are legally able to make concessions for those impacted by XXXX and they are choosing not to. Let me also add that when I spoke to someone on the phone, she made a point to tell me that they did a pull in XXXX and my credit wasn't great because I had " collections ''. Those collections were for medical bills and one was an error. Every single collection on my credit report was resolved. The only other negative item is over 4 years old. My XXXX loans have some negative history, but they are being cancelled and will also be removed from my credit report. I just wanted to ensure that you have every bit of information needed. Revolving lines, have 13 years of no late payments. I have 8 years of no late payments with SECU. There was clearly a breach in communication somewhere along the process. Thanks again for taking the time to understand my complaint.
02/04/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27520	Web
Hello, I recently submitted an application to State Employees ' Credit Union on XX/XX/2022 for a Residential Mortgage Transaction using my Consumer Credit, as defined in 12 CFR 226.2 - Definitions and rules of construction. I received an email the following day from the Financial Services Officer II stating that she was trying to reach me regarding my request, she did not state that my application was in fact incomplete nor that she needed more information to process my application. On XX/XX/2022, I received an Adverse Action/Denial Invitation. Within the denial was a notice that gave information about the Federal Equal Credit Opportunity Act, the Consumer Credit Protection Act and the Fair Credit Reporting Act. I felt like the decision was indeed unfair. Upon reading some information listed in all Acts, on XX/XX/2022 at XXXX am & XXXX am I called to speak with the Financial Services Officer II that processed the application to get the reason for the denial but was unsuccessful. On the same day I called back at XXXX pm to speak to someone else that could possibly assist with my situation. I got an agent on the line and gave her the nature of my call and she transferred me to who I thought would be a Financial Services Officer but was not. I then had to get transferred again and I gave the nature of my call for the 2nd time, which was very stressful. She was a Senior Vice Financial Services Officer. I told her that I was calling in to see why my application for a Residential Mortgage Transaction using my Consumer Credit got denied. She located my information using my State Employees ' Credit Union member account number, name and address. She looked over my application and stated that my application got denied due to my income. I get XXXX deposits in my account monthly XXXX XXXX XXXX XXXX XXXX XXXX and I also work a full-time job making {$22.00} an hour at 40+ hours a week, that I in fact put on my application that someone changed to only reflect {$95.00}. I told her that according to the Federal Equal Credit Opportunity Act she was in violation with the Federal law that states " The statute requires financial institutions and other firms engaged in the extension of credit to make credit equally available to all creditworthy customers '' and also " the statute makes it unlawful for any creditor to is discriminate against any applicant with respect to any aspect of a credit transaction ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. I expressed to her that she was violating my rights as a Consumer and that I was extending my credit to the bank. She proceeded to tell me that she was not in violation of anything and that my argument was not with her. After an hour of getting nowhere, I kindly asked her how I can appeal the unfair and unlawful decision that was made. She advised me to call the XXXX, NC branch and speak to someone there and they would let me come in to appeal my case. So now at this point I am feeling discouraged and unequal. I called the XXXX XXXX at XXXX pm the same day following the previous phone call. I spoke with a Financial Services Officer there and told him that I was denied for a Residential Mortgage Transaction using my Consumer Credit and that I should have never been denied and that my application was in fact discriminated against for my income coming from public assistance and being told that it was not enough to obtain credit that I am extending to the bank. He stated that my income from my employer was only {$95.00} and I told him that is not what I put on my application. He updated my income and told me that he was going to get a decision and would be back. When he got back on the phone he told me that it was not my income it was my credit, I told him that I have open ended credit according to 15 U.S. Code 1602 ( g ) ( i ) ( j ) ( l ) ( n ) ( o ) ( p ) and many others. He asked me about 2 accounts on my consumer report that I know nothing about and I advised him that, it was in fact incorrect and inaccurate information. When he got back on the phone he stated that the denial was upheld. Again I felt so discouraged, I asked him who made the decision and he said him! I said but you just stated that you were going to get a decision not make it. That is false and misleading information, so I proceeded to to question him about the decision and he stated that he and his manager looked over it together. I asked to speak with him also. His manager got on the phone and I advised him that I want to perform a Residential Mortgage Transaction using my Consumer Credit, and he told me he could not do anything. I told him he was violating my rights as a Consumer and that I was going to contact the proper authorities to make a complaint against their unfair practices. He told me to do what I need to do. I could not believe the treatment and embarrassment that I had received from my member bank whom my family and I have been baking with for years. Thank you for your time in this matter.
05/10/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 287XX	Web
I contracted with XXXX as an XXXX in XXXX XXXX and did not want Electronic Fund Transfer, in fact, it is illegal given the specifics of the Federal Funds and Contracts which were suppose to be paying my negotiated contract value. XXXX began misplacing my biweekly payments, and working XXXX miles west of XXXX , made replacement times in excess of a month. Back to back misplaced payments left me no choice given the acceptance of contracts as a XXXX XXXX . I am also adopted, and find now the XXXX XXXX NC did not issue a FINAL ADOPTION DECREE in XXXX , leaving me without Original Birth Records, issuing a FALSE STATEMENT called a " Certificate of LIVE BIRTH '' with a birth date that is not correct. the NC State Employees Credit Union is the purpose of the CLAIM, as they CONTACTED ME by phone to solicit me into a Mortgage of my home in XXXX XXXX NC. The entire loan from that call to closing was less than a week, and included XXXX XXXX ( which XXXX charged but did not purchase ), T XXXX XXXX ( XXXX separate policies which XXXX charged me for both and kept both ), and a preferred closing attorney which XXXX Loan XXXX suggested, and seems to have kicked back extra money, The Attorney was never involved, and in XXXX , an employee in the office of the Attorney demanded I produce and retire TITLES for a XXXX XXXX r home which were not legally required, and were never issued by XXXX The home was designed by me, manufactured specific to my details, transported directly to land which I owned, and the erected on XXXX XXXX which I was the Professional Engineer of Responsible Charge over the entire process. I have recovered fraud, forgeries, and endured lies and a foreclosure ( twice ) for the same property. That created a new investigation and I have discovered NCSECU had allowed access to my accounts, estabished accounts I did not approve and find the State of NC DOT had accounts for employees that did not exist. I also found a disclaimer by NCSECU tagged to This email may contain confidential and privileged material for the sole use of the intended recipient. If you are not the intended recipient, please contact the sender and delete all copies. Any review or distribution by others is strictly prohibited. Personal emails are restricted by policy of the State Employees ' Credit Union ( SECU ). Therefore XXXX specifically disclaims any responsibility or liability for any personal information or opinions of the author expressed in this XXXX CIRCULAR XXXX NOTICE : Any tax advice included in this or any attached written or electronic communication was not intended or written to be used, and can not be used, for the purpose of ( i ) avoiding any tax penalties or ( XXXX ) promoting, marketing or recommending to another party any transaction or matter addressed herein.If your communication is about non-insured products, please note : XXXX XXXX XXXX offered through XXXX XXXX XXXX XXXX . Securities offered through XXXX XXXX XXXX . XXXX XXXX , XXXX . XXXX XXXX offered through XXXX XXXX XXXX . Securities, XXXX and XXXX products are not credit union deposits. They are not obligations of or guaranteed by the credit union, XXXX XXXX XXXX , or their affiliates. They are not insured by the XXXX or any federal government agency. Securities and XXXX products involve investment risks, including possible loss of principal. Insurance rate quotes are subject to change upon completion of the underwriting process. Investment, Trust and Insurance representatives are also credit union employees, who may accept deposits. ... First - Impossible to tell what SECU has Insured, so to state " IF YOUR COMMUNICATION IS ABOUT UNINSURED PRODUCTS '' is improper transfer of obligation to Consumer. Second - Employees who SELL UNINSURED INVESTMENT PRODUCTS are working a SECU employees, so they are all in the same office, same phone system, same computer system ... Consumer can not differentiate even in person .... as LAST - INVESTMENT, INSURANCE and TRUST employees can take DEPOSITS?? Notice, it does not say anything about WHERE they take your deposit ...?? They may ACCEPT your deposit? CONCLUSION OF CLAIM.. I, XXXX XXXX XXXX , find the AFFIRMATIVE CLAIM DEFENSE would introduce the incomplete adoption as an infant, invalidates all contracts and Loan agreements with XXXX and require full return of all payments, full value payments of all TITLE INSURANCE riders, and all my Property. This CLAIM, by the HAND of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX . All correspondence to that address ONLY please. Thank you. XXXX
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27804	Web
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { STATE EMPLOYEES CREDIT UNION } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { STATE EMPLOYEES CREDIT UNION } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { STATE EMPLOYEES CREDIT UNION } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 1.STATE EMPLOYEES CRED U ( ACCOUNT # XXXX 2. STATE EMPLOYEES C ( ACCOUNT # XXXX 3. STATEECU ( ACCOUNT # XXXX ) Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
07/27/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 27127	Web
I believe I am a victim of Mortgage Fraud. My bank approved a loan that allowed me to purchase my first home. During the process I had to pay the bank for an appraisal which said the home was worth {$190000.00}. I had several inspections including a required termite inspection. I closed on the home XX/XX/2018, about 3 days after closing things started to break down and go awry. The fridge broke down and had it smelling very bad throughout the house, there was water in the foyer and I started to notice that none of the things that the realtor and I talked about having fixed, repaired or replaced had not been done. XX/XX/2018 my basement flooded for the 1st time. I eventually moved in about the XXXX XXXX. I contacted my realtor in every instance to let her know what was going on and that none of the repairs I asked for were done to no avail. About the XXXX of XXXX I had a hvac company come out because the heat wasn't working and found out I had gas heat. Called to have gas turned on to find out the gas line was hacked so therefore i had no heat in 10 degree winter weather. It was at this point I started to feel like something was not right about this and started looking at my paperwork and MLS. The ad was a complete lie. It indicated that the house had completely remodeled kitchen n baths, brand new hvac, plumbing, and more importantly at that time electric heat. Nothing about gas heat. I wouldn't have bought a house with gas. I'm scared of it. I attempted to get help from my realtor or anybody that I thought could help me including my bank at some point. While going through the paperwork I had, I noticed in my closing settlement details was a payment for a hvac and pest inspection that I didn't know or have any results from. Again I let my realtor know what was going on to no avail as far as not having heat. I eventually ended up calling the hvac and pest company that was in the paperwork to talk to them directly about the inspections and the whole situation. I submitted a complaint to the real estate commission against my realtor and the seller agent. The required termite inspection report was never provided to me by my realtor or to the bank I'm sure. It was only provided after I submitted a complaint to the real estate commission when she responded back. It did not have my signature on it and revealed that there was excessive water in the basement. I paid the mortgage amount I thought I'd agreed to for a couple months and it went up by {$100.00} at least twice since I closed due to the taxes being higher than what the bank factored in. I have let my bank know about everything to no avail either. The bank didn't get a NC property disclosure statement signed by me or a termite report which is required supposedly to buy a home in NC. During the issue with my heat the city of XXXX XXXX came out to inspect because the gas leak could have caused us to blow up! This inspection revealed that this house is condemnable. Not worth XXXX I was told it was worth by the appraisal that was ordered through the bank. I disputed what I think was my property value with the county tax collector. I hoped it would help me get my mortgage down and let the bank know I had overpaid for a house that was not worth what the appraisal said. I currently have a lawsuit against my realtor for breach of fiduciary duty, unfair trade practice, contract negligence and other things. The bank has not responded to any of the issues I have presented at this point. My lawyer seems to be refusing to help me pursue all other parties. I'm still paying XXXX $ mortgage although the value was decreased to XXXX and taxes got cut in half from the wrong high amount originally not factored in by the bank for my mortgage payment. This entire situation has been very messy and confusing to me. How did I buy a house without all of the required paperwork? Why am I paying more than I agreed to pay? What if I couldn't afford to pay that extra for what it's worth I could use that on my other bills! I'm sending this complaint to cover all my bases. Something is not right about this entire situation, I'm living in this beautiful condemnable house and over paying for it over all and every month and my health is being jeopardized because of unfit living conditions.
08/27/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27217	Web
OnXX/XX/2019..Location : State Employee Credit Union.XXXX NC , OnXX/XX/2019..I was called in the bank my daughter.Whom was simply trying to deposit a check into her checking account..I go into the bank and I asked, the teller whats the problem?, .She said to me, my daughter is responsible for these checks if they come back not paid..I said to her, well that will not happen, she has deposited this same check in her checking account before..My daughter said, I told them that..Im noticing another teller researching her checks..The two checks equal an amount {$410.00} all together..My daughter said, " she asked her several questions, where is this check from, whats it for etc '' ..The check clearly has, XXXX XXXX XXXX..It says an insurance check..This is a huge company that makes candy in XXXX, NC..All of this time, the teller is not friendly..They literally has my daughter standing in the bank as if she was trying to cash a fraudulent check. Im noticing all of the other tellers are looking..I guess next step was to call the police on her ... I can certainly understand procedure and precautions..This is where she banks at..She never had a problem before with checks or her account..Where is this type of discrimination coming from..So, after standing there looking like suspects, .The teller beside the initial teller finds the check my daughter recently deposited in her checking account a week ago, ..They finally, gives the ok to deposit the checks.So, I called back with my concerns to the bank to express my concerns about this incident..I spoke with XXXX, the financial bank manager? Im assuming..I then expressed my concerns to her about the incident.And she started out from the beginning stating '' XXXX is part-time she doesn't have access to the same information other tellers have..I said so, do she need more training? Why such the difficult time in just depositing checks ( that she has actually deposited before..Well, I don't think its training, shes been here years..I said ok, ,well whats the problem? ..I said is it because we are black..She immediately jumped on the defense..And no longer wanted to have a conversation on what transpired..If she didn't think this was racially motivated, why get offended? She wanted to rush me off the phone and forward my message to the district manager over that credit union..I awaited his phone call, I asked him did XXXX brief you..He said yes, he begin to explain what she said..And it came out, from what he gathered she entered the wrong number from the check..But yet, they kept us there..just about refusing to deposit a check, till they found proof it was valid..Her actions were unethical..The problem I have with, " she entered the wrong number is '' ..Why didn't she re-enter the number, if it was such an error..Whats wrong with going over what you entered to make sure its accurate..So, they rather humiliate us, rather than her taking ownership over her actions..Whats wrong with?, " Sorry maam, for your inconvenience, look like I entered the wrong number, let me re-enter and double check ''., that never happened. It really doesn't make any sense..Because if you are dealing with numbers and money..Im sure its a practice to double check what you do ... And not only..do I not believe that is factual..Even if you are part time with a company..It gains you some access..When my daughter walked in that bank and swiped her card..Im sure that gives a teller access to look at recent deposits and transactions..Its clear to me what transpired, she entered the wrong numbers and jumped the gun immediately to assume my daughter checks were invalid and didn't want to take no ownership of her actions..And felt like it was ok..And its not to cover up any errors when its pertaining to someone elses reputation and integrity..Its clear this bank practice discrimination.Their actions are unethical.
06/01/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	GA 30097	Web
Please reference Case # : XXXX-In XXXX of XXXX, my wife and I applied for and obtained XXXX & XXXX Mortgages ( HELOC ) from XXXX XXXX ( XXXX ), now XXXX XXXX XXXX ( XXXX ) for the purchase of a home at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Account Numbers : XXXX - XXXX ; XXXX - XXXX ). On XXXX XXXX, XXXX, North Carolina State Employees Credit Union ( NCSECU ) acquired the XXXX Mortgage loan from XXXX after obtaining approval from XXXX for a Subordination of the HELOC in XXXX XXXX. Complainants commence this complaint alleging fraud, fraudulent inducement, breach of promise & violations of General Business Law ( " GBL '' ) 349, known as the Deceptive Practices Act against XXXX & SECU. In addition to compensatory and punitive damages, complainants seek a declaration that the Subordination agreement signed in XXXX XXXX by XXXX XXXX SECU on behalf of complainants is null & void, and to enjoin the enforcement of the notes & mortgages as unenforceable against complainants. -In XXXX XXXX, the US Dept of Justice ( USDOJ ) announced a XXXX ( M ) settlement with XXXX over discriminatory lending practice at XXXX XXXX USDOJ also found that XXXX discriminated against qualified XXXX & XXXX borrowers from XXXX to XXXX - minority borrowers who qualified for prime loans were steered into higher-interest-rate subprime loans. Further, the XXXX in XXXX XXXX reached a XXXX ( B ) settlement with XXXX to resolve Federal & State claims against XXXX & its former & current subsidiaries, including XXXX XXXX XXXX XXXX. As part of this global resolution, XXXX agreed to pay a $ XXXX penalty under the Financial Institutions Reform, Recovery & Enforcement Act ( FIRREA ) and provide XXXX of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. The settlement does not release individuals from civil charges, nor does it absolve XXXX, its current or former subsidiaries & affiliates or any individuals from potential criminal prosecution. -Notwithstanding, In XXXX. XXXX, Complainants after suspecting XXXX committed Discrimination & Mortgage Fraud in the origination of the XXXX & XXXX Mortgages refinanced the XXXX Mortgage with the NCSECU after NCSECU obtained and agreed to a Subordination of the XXXX Mortgage adjustment with BA. In XXXX. XXXX, XXXX XXXX XXXX suffered Significant & Complex workplace injuries to his Trunk & XXXX areas that made him unable to work. Despite multiple requests to the NCSECU for XXXX Mortgage Modifications, Forbearances or Forgiveness from XXXX ; complainants multiple requests were denied due to the existence of the HELOC with BA. My wife & I made multiple requests to BA for assistance with the XXXX Mortgage and Release or Forgiveness of the HELOC however, all request were denied. Nevertheless, our home went into Foreclosure in XXXX XXXX. -In Apr. XXXX, the NCUA reached a $ XXXX settlement with XXXX & some of its subsidiaries over residential mortgage backed securities losses at failed corporate credit unions. However, on XXXX XXXX, XXXX, complainants only received a letter regarding a Full Principal Forgiveness of the HELOC ( Attached ). Based on the current settlements & litigation including but not limited to " For years, XXXX & XXXX unloaded toxic mortgage loans on the government sponsored enterprises XXXX & XXXX with false representations that the loans were quality investments, '' said U.S. Attorney XXXX XXXX for the XXXX District of XXXX. " This office has already obtained a jury verdict of fraud & a judgment for over a XXXX dollars against XXXX XXXX XXXX for engaging in similar conduct. Since NCSECU acquired the XXXX Mortgage loan from XXXX after obtaining approval from XXXX for a Subordination of the HELOC in XXXX XXXX, The XXXX mortgage was and act of fraud.
10/11/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	NC 28752	Web
I have worked as a XXXX XXXX for 26 years. Earlier this year I began having severe headaches and many health issues and it led to missing a lot of time from work which caused me to have struggles with my mortgage payment to State Employee Credit Union. I have been a long time customer and have multiple accounts and personal loans with them and thought they would be understanding and work with me when I told them that a XXXX XXXXXXXX was discovered and that I had to undergo XXXX XXXXXXXX to remove it. I spoke with an agent who told me it would be OK and they would work with me on a repayment plan. However while in recovery I received a letter from a law firm telling me that my home was in foreclosure. State Employee Credit Union has engaged in unethical servicing practices and has denied access to programs to help homeowners and instead pushed me into foreclosure. They are putting profits over people. I bought my home in XX/XX/XXXX with an {$85000.00} down payment and used SECU because of my long relationship with them. I am extremely disappointed in the way they have handled this situation. When I first became ill in XX/XX/XXXX I missed three months of payments. I was back to work and made the XXXX and XXXX payment and then talked with a man in the collections department and we worked out a plan so that I could get caught up by making double payments. I made the double payment for XXXX .I found out in XXXX that I had a XXXX XXXX and required multiple tests and a hastily scheduled XXXX. As a result I was unable to make the XXXX double payment. I spoke to XXXX at SECU in XXXX and explained my situation. She did not disclose or discuss any options for assistance programs instead telling me to apply for the state program. Later that month I received a letter from a law firm while I was recovering from XXXX. They told me they were going to foreclose on my home. I called SECU and explained what had happened and told them that I talked to someone in their office and they gave me a plan and this should not be happening. The SECU agent told me that this man no longer worked in that department and that he did not make any notes regarding this plan so they had no evidence of the plan because it was a verbal agreement. The agent continued and said as far as the collections department was concerned, there was nothing in place so they initiated foreclosure. On their website SECU says Members can meet face to face with a Senior Financial Services Officer of the Credit Union to develop an individualized financial plan. We are committed to meet with members having problems wherever and whenever to discuss, review and develop a short term repayment plan that works. We want to help members keep their homes.They go on to list Options that may be considered are temporary modification of the payment amount or temporary deferment of monthly payment or modifying the terms of the existing loan None of this happened. None of these options were presented to me. One employee offers help by suggesting I make double payments. A different employee says that help does not exist because they now work in a different department etc. I have worked as a registered nurse for 26 years and have always paid my bills on time. My health situation was unexpected and scary because they were not sure what the problem was. I missed a lot of time from work and used up all of my PTO and that is why I missed my payments. I thought I was getting better and resumed my payments and made an agreement to make double payments and then I got sick again and found out about the XXXX. I was unable to work for two months and had to wait to get approved for short term XXXX which contributed to the financial issues. While I was recovering from my XXXX they started the foreclosure process against me.
10/23/2015	Yes	Credit card	Credit determination	NC XXXXX	Web	Older American
I am a XXXX single male whose primary income since XXXX has been XXXX ( under $ XXXX XXXX. When I first became XXXX in XXXX I ran into some credit problems that lasted for about 9 months. In XXXX XXXX I sold my home, paid off all creditors XXXX, and moved here XXXX to live with my younger brother. Because of the daily harassment that I experienced from creditors XXXX during that period, I swore off all banks and credit cards and since then have lived a very frugal but responsible life on less than half my prior accustomed income. In XXXX XXXX my younger brother passed away and my older brother and I inherited his home ( with a $ XXXX mortgage ). That arrangement did n't work out and in XXXX I personally refinanced another XXXX ARM mortgage with the existing mortgage lender ( credit union ). This was done in order to finance a buyout settlement reached with my older brother - and with the intent to finish improvements on the house, sell it, and move back to a more affordable home XXXX ( now that I was left paying the full mortgage myself ). Since that time I have also held a checking and XXXX savings accounts with the mortgage holder - ( State Employees Credit Union ( SECU ) - Contact Center XXXX XXXX XXXX XXXX, XXXX XXXX ) - with an average total monthly balances of around $ 5-10k. The mortgage, taxes and insurance, as well as all my utility payments - and all my fixed monthly bills - are deducted automatically from my checking account each month and I have never missed a payment on any of them. Despite loathing banks and creditors since my unfortunate health experiences XXXX, yet realizing that it would be a good idea to re-establish credit, I opened a XXXX credit card account through that same bank ( SECU ) XX/XX/XXXX. Since help with moving back to XXXX now seems improbable, I have decided to stay here XXXX and am now again trying to refinance the house to a 30 year fixed loan because the monthly payment has risen by over {$150.00} a month as the loan interest rose from 2.5 % to the current 4.75 %. However, SECU does not offer 30 year fixed-rate mortgages, just 10 and 15 year and variable rate loans. So I am attempting to apply for a refinance loan with other banks now that 30-year rates are as low as 3.67 %. SECU includes a free quarterly FICO score report which has shown me having a FICO score in the XXXX to XXXX range. So I assumed I was in good shape for a refinancing loan from a third party. However, I have now discovered that SECU has not been reporting my XXXX credit card history to XXXX of the XXXX credit agencies that all banks check when you apply for a loan. ( They were only reporting XXXX XXXX So both XXXX report my credit score as XXXX XXXX no credit history )! I am basically being held hostage by SECU to the point that my only option is to refinance with them for yet another variable rate loan - or spend months opening even more credit cards in order to establish better credit record - hopefully before rates increase to the point that it is n't worth the bother. You would think that my spotless record over the past 20 years of always paying my mortgage, insurance, and utility bills on time each month - and not buying things I ca n't afford to pay cash - would have an even bigger influence on my credit worthiness than big consumer spending habits of using credit cards to pay my bills. THERE SHOULD BE A LAW requiring banks to report credit history to all XXXX of the credit agencies - or at least to disclose to potential customers of their credit cards that they will not be reporting to all XXXX agencies. If I had known this at the time I would have never opened the XXXX card with SECU - as my sole intent was to establish credit via a 'major ' revolving credit card. Any help or suggestions would be appreciated.
04/06/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28216	Web
This is what has been happening on my account XXXX I transferred money to my Savings to prevent me from overspending on my debit car due to certain things I required funds for. XXXX/XXXX/2015 I made ordered on XXXX XXXX XXXX thru my XXXX account.XXXX XXXX/XXXX/2015 I made transfers as I needed funds. XXXX/XXXX/2015 at XXXX XXXX my checking balance was {$15.00} most of my transaction pending. XXXX/XXXX/2015 at XXXX XXXX I withdrew XXXX from my savings to give to my daughter. you charged me a XXXX fee and had the transaction on my saving account. I have a receipt for this reflecting my new balance. XXXX/XXXX/2015 My checking balance is XXXX. Due to a XXXX and XXXX debit of {$490.00} that I did not authorize and when called was told I had to get a release code. They are authorized for {$65.00} a month. The collected for something additional and did used the information on file. The transaction should n't have even gone through because even with the so call transfer the account was overdrawn until the kicked back the XXXX XXXX XXXX and additional deposits made. XXXX/XXXX/2015 My saving account is overdrawn showing the withdrawal and overdraft transaction so when the overdraft transaction occurred whoever completed it saw the withdrawal occurred or was in pending transactions. XXXX/XXXX/2015 my ATM withdrawal of XXXX is gone and you have completed a {$350.00} overdraft transfer. But I was charged a XXXX ATM XXXX I get a call from a rep XXXX about my share account going below XXXX when I explain your errors about the over drafting and missing ATM transaction. I get placed on hold hung up on and call back and told the will research it with operations. I was advised that even if the transaction did not complete I get charged a XXXX fee. I see the XXXX ATM fee is refunded. XXXX/XXXX/2015 I cancel the overdraft option because this seems to be the source of the headache. XXXX/XXXX/2015 My XXXX XXXX XXXX order payment to XXXX is gone after sitting there for 4 days and Transactions that occurred after that were posted on XXXX/XXXX/2015. And the XXXX and XXXX {$490.00} is posted to my account. XXXX/XXXX/2015 I speak with XXXX who states that because I withdrew the ATM funds after business hours of XXXX XXXX that it did not reflect in my record on my balance even though I saw the updated balance on my savings account reflecting the ATM withdrawal. I find it hard to believe whoever in operations did not see this. XXXX advises me that my Share account can not be negative but I will owe the credit union {$340.00} Then when I inquire about my XXXX XXXX XXXX XXXX payment that disappeared XXXX advises me she will investigate it because she no longer sees it. I speak with her later and she advises me the XXXX XXXX XXXX was returned and to contact XXXX. I contact XXXX and the advise me they have not received any return items. XXXX/XXXX/2015 I see a XXXX debit for XXXX XXXX XXXX with an effective date of XXXX with a date of XXXX/XXXX/2015 for the transaction which is not accurate. I keep getting the run around and no clear answer from my bank at this point I owe them for an ATM transaction and god knows what else.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27614	Web
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{$5000.00} PENALTY FOR EACH ACCOUNT TO ME FOR THIS VIOLATION. THESE ACCOUNTS ARE LISTED BELOW. Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$7700.00} Highest balance {$0.00} Terms XXXX Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance {$0.00} Terms 54 Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$25000.00} Highest balance {$0.00} Terms 66 Months On record until XX/XX/XXXX Account info Account name STATE EMPLOYEES CUXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$4500.00} Highest balance {$7700.00} Terms NA Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$29000.00} Highest balance {$0.00} Terms 54 Months Account info Account name STATE EMPLOYEES CRED UN Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$25000.00} Highest balance {$0.00} Terms 66 Months On record until XX/XX/XXXX XXXX
02/07/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 27302	Web
Complaint With Intent To Sue Dear Agency On the day of XX/XX/XXXX I mailed a notice letter to State Employees CU concerning the credit terms of the contract I was not fully aware of. I have not yet received a response. On XXXX XXXX I sent State Employees CU a second notice in response to the first letter I sent them. I still haven't received a response. Also on the day of XXXX XXXX I went into the XXXX XXXX XXXX dealership and spoke with the Finance Manager XXXX XXXX about getting a copy of my contract. He stated that my truck was financed in XXXX and they will have to find my physical documents because they have a new system in place that requires all documents now to be signed via online e-signature. He stated that he will email my documents once he finds them. I waited fifteen days then followed up with XXXX. I called his office phone and asked him a second time to please send the contract documents to me. He stated that he would send it over to me and never did. Between XXXX XXXX and XX/XX/XXXX I called XXXX XXXX several times and finally spoke with the receptionist. I asked her to transfer me to XXXX XXXX ' desk .She said that hes on another call. I gave her my name and number and asked her to tell him to call me back. I still haven't gotten a response.I sent a notice by mail to XXXX XXXX XXXX on XXXX XXXX. I've reached out to both companies and still have not been able to get this issue resolved. After looking over my contract, it's incomplete and not giving proper disclosure which makes this contract null and void. These are the following facts : 1.There is no signature of State Employees CU anywhere in the contract. 2. The contract only has my signature. 3.The finance charge of {$5200.00} is all that I was supposed to pay. I am being charged the full amount that's financed. 4.In The Truth In Lending Disclosure, the SECURITY section where the box is marked X beside the account No., it does not show an account as to where the loan came from. 5. The book and ledger was neither disclosed to me or presented in the contract. 6. The agreement was not disclosed to me about when the promissory note aged. Who was supposed to sign the contract? Why does the contact only have my signature? Why am I being charged the full amount that's financed? What account did the loan come from? Where is the ledger? When did the promissory note age? Where in your disclosure agreement that I as a consumer have the right to rescind? I have evidence to believe that you committed fraud and violated my rights as a consumer. This is unfair business practice. At this point I am notifying you that I am rescinding this transaction. Here is what I need from you : I want you to give me the original title to my truck free and clear. I want you to give me all monies claimed plus double the finance charge. All my past due payments. I want you to delete it off my credit report or have it shown as paid in full. If we have to take this to court I will ask for 1 % of your company. Send me the {$77000.00} or I take it to court and get it every month from you.
01/04/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28079	Web
In XX/XX/2022 I sold my house and the money from my home I had it wired to my bank account at State Employee Credit Union. I have bank with this Credit Union for over 8yrs and have never had any problems with my accounts. After we sold our home someone broke into my stuff that was packed in boxes and they took all of my belongings including DL, SS cards, birth certificates, tax documents etc. On XX/XX/2022 someone wrote a check for {$150.00} and cashed it on XX/XX/2022 in SC XXXX. Well then I started noticing that there were transactions being made that wasn't approved by me or my fiance. I started seeing {$1000.00} atm withdrawls and transactions to online stores. I notified the bank asap. The gentleman froze my account and open me up a new account however he linked the old to the new account. That left It so whoever was doing the activity were still able to have access. By the time I realized it my account was practically wiped out. I spoke with a lady at the care line and she stopped that account sent me a new debit card and a new account without it linked to the old ones. When speaking with customer care I was told to file a police report so I did and notified the fraud department as well. I was reassured that my account would be credited bc it was very obvious of the fraudulent activity. When banking with XXXX your atm withdrawls are up to {$500.00} at one time but no more than a {$1000.00} in one day, however this person was doing {$1000.00} withdrawls at one time, someone put overdraft protection on my account so they were moving $ and it was charging me some really high fees. I never recieved a phone call asking me if it were me making the transactions. I went into the XXXX XXXX location and sat with XXXX XXXX for XXXX XXXX hours and went over the transactions that weren't mine. He kept reassuring me that my account would be credited. Now I've come to the detective that assigned to my case was able to identify who wrote the checks. I recently received a letter stating how my account would be credited. But it hasn't, happened and the detective will not return my calls or texts. Now the bank manager XXXX will not answer my calls nor will he call me back, the tellers are screening phone calls. I was on hold for almost XXXX the other day and the lady said 5min ma'am. A couple weeks ago I spoke XXXX XXXX and again he reassured me I would be credited. Basically telling me what I wanted to hear. Then customer care and they said they mailed a letter but I never received a letter stating that due to my fiance using my atm card then they arent held responsible and they aren't credited my account. However I still haven't spoken w the detective. And I haven't recieved any credit for the checks forged. If you take my beginning balance and subtract a transactions then there is {$11000.00} just missingike it disappeared. I didn't do anything fraudulent neither did my fiance. When speaking w/ XXXX he knew my fiance used the card bc I was trying to add him but his DL were in my purse that was stolen and not once did XXXX say that it was going to be a problem.
06/12/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27870	Web	Servicemember
I received multiple conflicting information from your agents regarding a Clerical withdraw from my account. After an hour and a half on the phone with an agent and her Supervisor, XXXX. He explained that there was a system error on SECU 's end and that it was fixed by an agent withdrawing {$67.00} from my checking out. XXXX first said that somehow I put my mother 's SAVINGS account in the negative to transfer the money into my account, I explained to him that I have been banking with y'all for five years and that this is not possible. SECU does n't even allow savings accounts to be below {$25.00} unless all accounts are closed out. XXXX 's story then changed to my account was credited the {$67.00} but my mother 's savings account was not debited the {$67.00}. I asked how could this happen, XXXX did n't have a straight answer for that. I should mention that this began with debiting my mother 's account {$67.00}, crediting the amount back, then debiting the account again. These XXXX transactions are visible on my account but only XXXX debit and XXXX credit is visible on her account. I was why was n't a notified of this immediately when they took the money out of my account, XXXX 's exact words were " SECU has over XXXX XXXX customers. I do n't think they have time to notify every single customer ''. So now I 'm to think that my accounts do n't matter in the large picture. XXXX was really unsympathetic and had no empathy at all, the error came from SECU 's end and I was made to feel like it was my fault! The agent before XXXX even mentioned " well you only get XXXX transfer a month you know ''. I did not ask for that information and it was the way it was said. There was not XXXX apology during the entire hour and a half. I am extremely displeased with this whole situation and the customer service. I wish I had gone with a larger bank. I thought having a SECU account would give me a more personal experience but wow I was very wrong. I still really do n't understand why the {$67.00} was withdrawn from my account. When I asked XXXX if this issue could be escalated to Corporate, he said " well you can call back Monday and talk to my manager '', I said " XXXX, so you 're telling me that you ca n't escalate this to corporate? ", XXXX then said he could send an e-mail to them. Then had the audacity to ask me what do I want the e-mail to be about in a very condescending tone. I started to just hang up at that point but I told him that I wanted everything that happened put in the e-mail. I have no idea what he actually put in the e-mail or if he actually sent one. I really ca n't believe that this is the level of customer service I received from a SUPERVISOR. It 's not exactly a good feeling when your bank makes an error, manually withdraws money out of your account without any notification, then does n't take any responsibility for the error and does n't apologize at all. This experience has left me with anticipation to move back to college in the Fall and cancel all of my accounts with this bank.
04/13/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 279XX	Web	Servicemember
On Wednesday XX/XX/XXXX I went to the local credit union, The State Employee 's Credit Union in XXXX NC to apply for a loan of $ XXXX.Initially I spoke with Financial Services Officer XXXX XXXX XXXX She took all of my pertinent information for the application. I showed her official documents that was approved for my SSI XXXX benefits which are {$890.00} per month. I also showed her official documentation that I would also be receiving back pay from SSI for beginning XX/XX/XXXX. I also have my Veteran 's Administration benefits going direct deposit into my checking account at SECU for {$100000.00} a month. I do presently have a loan of around {$5000.00} with the credit union of which a payment of {$180.00} monthly comes out of my checking account monthly before anything happens. There was a charge on my credit report that showed my student loan balance of {>= $1,000,000} of which I requested XXXX XXXX to check my files and she would see that I had documentation that the loan, due to me being a XXXX Veteran with an over % XXXX rating ( I have a % XXXX rating ), that my student loan was absolved and I had to pay them {$0.00} for 300 months and my loan would be forgiven. XXXX XXXX was not supportive of my request for the documentation of this agreement, and I had to push her hard, telling her that I lived right down the road and would go and get a copy and be back n a few minutes. She seemed impatient and agitated until I recalled that a copy should be in my file. She reluctantly went to retrieve it, and after an explaination and a few more back and forth between us which was pretty intense, not hardly what you expect during this process, She summarily turned down my loan stating that she was 'not comfortable ' with making that loan. I ask why? My income had practically doubled, my present loan was and had always been in good standing, My payment would have increased from $ XXXX monthly to {$290.00} which was well in my income range. She became argumentative and it was obvious that we were n't getting any where so I ask to speak to her Superior. She left the room in a huff and came back a few minutes later. She stated XXXX XXXX XXXX XXXX XXXX would speak to me now. She had 'spoken ' with her about my loan. I went to Financial service Officer XXXX 's office and was given the same reason for declining my loan after a few minutes debate. I saw that we were not getting, again nowhere so I requested to speak with the next person up the chain of command. XXXX XXXX told me that would be XXXX XXXX, XXXX XXXX. That he was out of town and She would give my phone number to him and he would call me the next day. I then left the office. To this day, I have not received a phone call from XXXX XXXX. I did receive a letter of decline from the credit union dated XX/XX/2017 which states the reason for the decline is 'affordability '. The reason I applied for the loan was because I had fallen behind in my house mortgage and wanted to bring it up to present.
12/29/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 273XX	Web
Hello, I am a recent widow and on XX/XX/22 went to my local credit union to open up a money market account to deposit the life insurance check I received for my husband. Upon doing so I decided to have the bank also remove my deceased husband from my checking and savings account and put my daughters name on the account with me. The banker XXXX XXXX informed me that see could a SS check was deposited into my checking account on XX/XX/22, which is four days after my husband passed away. My daughter told XXXX that we called SS in early XXXX to notify them of the death and they told us that the checks run a month behind and that I would not be responsible for paying anything back to them. We also informed XXXX that I was not paid anything in XXXX and in XXXX started to receive my survivor benefits. XXXX told me that her back office said that it didn't matter when my husband died that the {$1800.00} needed to be returned to social security. She also said that I had money in my savings account so it shouldn't be that big of a deal while I wait for XXXX to send me that money back. Again, my daughter told them that money should not be touched and we were going to call and verify again and come back. XXXX also mentioned that SS gives customers lots of misinformation so they did not tell us the correct information ; despite my daughter checking the XXXX webpage and reading word from word that what I was told was correct ; I was entitled to the money deposited in XXXX. Needless to say I became very upset and my daughter again asked for the money not to be touched and escorted me out. We left the branch to call and also to go collect the letter I did get in the mail from the XXXX. Upon getting home I checked my account online and saw that the bank withdrew the {$1800.00}, despite my daughter asking them to hold off. My daughter called the branch and asked to speak with the manager, who we were told by XXXX that was not in, she then asked to speak to the Asst. Branch Manager, who XXXX also said was busy. He asked for our number and said she would call us back. We got a phone call from XXXX about five minutes later, who did apologize, however she said she was told to withdraw the money from the account, otherwise they were liable. My daughter told XXXX again, that XXXX confirmed that money was for the month of XXXX and that I was 100 % entitled to keep it. They said that the bank overstepped and should not be withdrawing any money from my account. They did not need any money returned and if they did, they would contact me directly. I asked XXXX to please put the money back in the account and she told me that could not. To have this money removed without my consent days after XXXX right before my mortgage and other large bills are due to be paid is incredibly stressful without disregard for the emotional toll this would inflict on me.
05/28/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NC 27520	Web
XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!
07/08/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11106	Web
On XX/XX/2022 I received a text message alerting me to a potentially fraudulent charge from my debit card for {$1000.00} Shortly after receiving this message and checking my account details to confirm there was indeed a fraudulent charge, I called State Employees Credit Union that same day to file my dispute. I closed my card and requested a new one, with the help of the associate. I was told it would take 7-10 days for the charge to be investigated, but that I may see a credit on my account for the amount taken in the interim. I asked if there were any other actions that needed to be taken on my part, and was assured that no, I had done exactly what I need to do. I received no further correspondence. 10 days later, on XX/XX/2022, I called to follow up. I was told that the company performing the dispute did not work over the weekend, so they could not provide an update to the status of the investigation or see the dispute. I was also told that I had been misinformed by the original associate, that the actual estimated date was XXXX business days from the day I originally called. They said the company actually had until Friday XX/XX/XXXX. Today, on Friday XX/XX/XXXX I called once more to check on the status, as I have still received no further information or update. I spoke with XXXX XXXX XXXX, who informed me she had no record of my dispute, only that I had closed my debit card due to fraud. She posited that perhaps a newer employee not properly trained may have been handling my initial call, and apologized for the miscommunication. She also informed me that disputes could not be made until the actual charge posted, which was actually on XX/XX/2022. This came along with a {$10.00} transaction fee from the same fraudulent place XXXX. Prior to today XXXX failed to inform me of this. She offered to try and push for a faster turnaround, but that I should wait another 7 business days before calling back for an update. While I appreciate the sentiment and the professionalism she displayed while communicating with me on the phone, in 7 days when I am supposed to once again call for an update, it will have been an entire month that I have been without that money. And as many of us know, a XXXX dollars can be the difference between security and losing housing, or having the utilities cut off. I expect greater care to be taken when dealing with fraudulent charges and in any case wherein a persons agency and financial security are at risk. I will be attaching screenshots with the dates and times of those 3 calls to them below ( that number is XXXX ), along with the message I received via text and a screenshot of the amount pulled from my account.
09/15/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27107	Web
When I applied for a Mortgage with XXXX I was under the impression I was pre-approved for a certain amount with the income I provided to them back in XXXX of XXXX in the form of paystubs and other various information that was asked on the application and form the loan officer. After searching for a home and entering a contract ( XX/XX/XXXX ), paying my due diligence fee ( {$2000.00} ), paying an appraisal fee of {$550.00} ( XX/XX/XXXX ), Having the appraisal and home inspection done ( {$520.00} ). I was then told after calling the agent on XX/XX/XXXX that my loan application will be denied due to affordability off of the fact that one of my incomes is a paid internship. I then was told by this same agent orally that I qualify off of the paid internship money alone ( XX/XX/XXXX ) and I then explained from my other job that I get paid the same amount off of my normal working hours I just had not been working those hours due to the paid internship because I did not believe that would be an issue with the mortgage considering the internship is ongoing through XX/XX/XXXX. I was then told if I could show the next pay stub I get these hours that I had stated, on XX/XX/XXXX then that could be leveraged to get me an approval. After a few days, XX/XX/XXXX, I was contacted again and was told that I would now need to provide a document from my company stating the talked about hours, pay rate, overtime pay rate, full time start date, bonus pay structure and dates from who handles the payroll will need to be provided in order to use any of the information. I then asked why would this need to be provided as it is all listed on the paystub and and additional information has already been shown too them. A supervisor was then brought into the picture and I was further explained that this was coming from " upper management '' and would need to be provided. I then asked supplemental information and was greeted with less that sufficient information to answer my questions unless the question were phrased in a hypothetical manner from either agent. Then on XXXX XXXX I was contacted by my process with an abrupt statement that My loan was denied due to affordability without sending in any of the information I was requested to gather. I am now confused and out of almost {$3000.00} that all could of been avoided if sufficient information was pulled and or verified before the pre-approval was placed. Alternatively, no money should have been taken from the account unless verification was done due to the fact that this makes or breaks the approval odds and terminates loan altogether.
09/19/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Wrong amount charged or received	NC 27703	Web
On XXXX XXXX, 2023, XXXX added cash to her XXXX account using the add cash feature on XXXX amounting {$1000.00}, which was deducted from XXXX XXXXXXXX XXXX State Employee Credit Union debit card ending in XXXX. XXXX cashed out ( deposited ) at XXXX, on the same date, XX/XX/2023, a total of {$1100.00} to XXXX XXXX State Employees ' Credit Union account which is linked to the same debit card - # XXXX. Also on the same date XX/XX/2023, XXXX transferred funds in the amount of {$1000.00} from her State Employees ' Credit Union debit card to XXXX XXXX 's XXXX account - XXXX XXXXXXXX. This amount was then cashed out by XXXX and instantly deposited to her XXXX XXXXXXXX account ( attached ; please note, in the XXXX XXXX XXXXXXXX photo attached, it only shows a deposit of {$1000.00}. To instantly deposit a transfer from XXXX, XXXX had to pay a processing fee of {$17.00}. ) However, the {$1100.00} mentioned previously was never deposited back into XXXX 's account. Instead State Employees ' Credit Union duplicated the withdrawal of XXXX 's original transfer of {$1000.00} through XXXX, and withdrew a total amount of {$2000.00}. XXXX opened a dispute with State Employees ' Credit Union and XXXX. XXXX, states that the transaction was only initiated and transferred once. However, State Employees ' Credit Union states they are unable to resolve any occurrences that involve wire transfers with XXXX and the dispute would need to be settled with the person or individual the funds were transferred to. If a proper investigation was conducted, one would see that XXXX 's transfer of {$1100.00} was to her own State Employees ' Credit Union account- which was never deposited. The occurrences we are trying to resolve relates to them, State Employees ' Credit Union, duplicating the withdrawal of {$1000.00} and having no account of the deposit of {$1100.00} ( evidence attached ). This dispute was opened with XXXX on XX/XX/2023 and the letter of denial is dated XX/XX/2023. Yet, I received the letter in the mail on XX/XX/2023 ; which tells me SECU did not properly investigate. There are two matters at hand that need to be reconciled. I only authorized {$1000.00}, to be deducted from my account once to XXXX 's XXXX account. Unfortunately, State Employees ' Credit Union withdrew the amount twice and will not take accountability nor accept supporting documentation of the mistake they made. Furthermore, my bank account does not show the {$1100.00} was ever deposited. All documentation that support this claim is attached.
07/15/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NC 27312	Web
My grandfather, who has been declared incompetent, opened this account for me many years ago for the purposes of funding anything I needed while I was in college. Recently, my grandfather became incapacitated and my mother and grandmother both have POA 's signed by the grandfather ( before he was incapacitated ) and filed with the clerk of court. He and we have always been told that when I reach the age of XXXX, the account would automatically transfer as long as I told the bank to transfer the funds and signed a form. Since XXXX, when I turned XXXX, the bank has not allowed me to get any funds out of the account and are demanding that I have a petition filed with the clerk of court and signed. Upon visiting the XXXX County clerk of court, they would not allow the petition to be filed because the law is clear and although my grandfather is incapacitated, he is not refusing me access to my funds. The petition the SECU is demanding to be filed with the clerk is only for someone who is disputing disbursement. We have visited the SECU over 5 times, the clerk 3 times and talked to several people at the corporate office over the phone and they will not release the funds. Furthermore, they indicated the disallowing of disbursement in my account so I could not visit the XXXX branch to get money out as initially done in 2017. That branch originally told us that we would just need to sign a form, after visiting XXXX, they too no longer allowed us to remove any money from the account. I have wasted lots of gas and time trying to get my money, being told 3 different stories and still not being allowed access. If my mother can't exercise the POA because she was told my grandfather doesn't own the account ; if the clerk will not allow me to even file the petition ; if I am not allowed to walk in and ask for the account to be transferred ... then who owns the account? and who has access? It appears the bank is not making sense of its own rules, but my interpretation of the law is clear. Pursuant to NC Gen Stat 33A-20. XXXX XXXX has reached the age of XXXX years old, the age of majority in North Carolina. The law states a custodian shall transfer custodial property to the minor upon the date the minor reaches the age of XXXXTransfer all assets to XXXX XXXX under a new account. This has caused a great amount of distress and angst for the family as the funds are needed to continue my education and pay for expenses. I have had to continuously borrow money to pay for these things so far.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28215	Web
State Employees Credit Union is reporting false information to credit bureaus that is hurting my credit. They are reporting 4 late auto loan payments and 10 late joint loan payments with my daughter. This information has begin reporting to credit bureaus XXXX and XXXX by late fall XXXX. This information is incorrect and I have tried to dispute information over and over with credit union reporting information as accurate and its hurting my credit score tremendously. The truth is since XX/XX/XXXX I had been working with a housing specialist at XXXX XXXX XXXX XXXX in the homeownership program to improve my credit so can purchase a home. She worked with me from XX/XX/XXXX until XX/XX/XXXX checking in every 90 days to review credit progress with dealing with only medical collection accounts due to health related and establishing mixture of credit tradelines such as revolving credit since already had two installment auto and joint loans. The bad reporting of late payments were never even on credit reports until late XXXX notice my scores dropped on XXXX XXXX with utilizing over 30 % of credit limits but new remarks was added to reflect late payments. This reporting has made it hard to get approval for home loan and my housing counselor even confirmed it was never there since her helping me for XXXX year. Also I have provided proof to the bank of payments made on time with 30 days that should have never reported late. They updated their system to start reporting to XXXX last year and this is when the incorrect information was reported and updated late payments placed on XXXX whom they were already reporting to. I have been to main branch where loans was originated and the branch manager XXXX, whom was not there in XXXX but still will not look into the matter after I have showed proof of payment. I went to different branch and the nice lady did look more into it after I showed her past receipts and money order stubs copies with dates made out to SECU with account numbers listed. She called up to SECU Credit Reporting Department in XXXX NC and spoke with a gentleman that told her to request that I go back to branch show proof and branch can call to make request to them to remove late payment for dates showing if it was not late. I have tried that method and nothing seems to work no one will help me. I even sent copies of receipts by certified mail to SECU Credit Reporting Department on XX/XX/XXXX with a letter to prove the dates that they are reporting late for both accounts.
08/31/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	NC 27610	Web
XX/XX/XXXX I received a letter from Senior Vice President XXXX XXXX. Regarding my complaints that I had submitted to the Consumer Financial Protection Bureau ( CFPB ). I did speak with XXXX XXXX regarding my credit card issues and also my credit score. Like I stayed in my LAST complaint. I had spoken with XXXX regarding a small loan and also to consolidate all of my debt including credit card before it was closed to a charge off. I clearly told XXXX XXXX I wanted to go ahead and pay on my balance. The credit union knowingly knew I was a 10 month employee per the original contract. So during the months of XX/XX/XXXX and XX/XX/XXXX I am temporarily unemployed. I have spoken abt this issue more than once. XXXX XXXX may have put notations in the system for internal employees. But what Im addressing is the fact that she did NOT reply to none of my emails except for the email that I demanded her to respond. I also received a call yesterday regarding my car payment which I have never been late until recently after I had submitted a complaint to the CFPB. I made it very clear that I was a 10 month employee with the credit union. The credit union did not take a payment out for the month of XX/XX/XXXX. Which me being a 10 month employee Im not supposed to have a car payment for those two months. I have been In contact with the credit union constantly since XX/XX/XXXX. I spoke with them regarding my vehicle, credit card etc. I spoke with a branch employee earlier this month I was not notified until the XX/XX/XXXX that a payment wasnt made. So now all of a sudden they have that Im a 12 month employee which is not correct. Everything that has been done is retaliation for me complaining to CFPB. The State Employee Credit Union is saying its there procedures to close someones account when they have suffered a loss. But I have been in constant communication with the credit union I stated more than once I had no intentions of not trying to pay off my debt. I also stated that I wanted to consolidate all of my debt into one payment!! This was before my credit card was a charge off. They have been lying to cover there end. I will not stand to be bullied from this financial institution. I have all of the paper work to back up everything that I am saying. And also a witness who went to the credit union with me trying to consolidate all of my debt. XXXX XXXX and also the other branch workers has been very difficult to work with. I have hired a lawyer and I intend to fight this in court!
06/19/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28216	Web
I would like assistance in getting NC State Employee Credit Union to review my loan for a one month deferment of the mortgage payment. I called the Credit Union on XXXX/XXXX/2015 and spoke to a person named XXXX. I explained that my mother died unexpectedly and I had to come out of pocket {$4200.00} to pay for a burial plot and autopsy. Because of this I am behind in making my mortgage payment by about 3 weeks. He said he would research if a one month extension could be done and call me back on Monday XX/XX/XXXX. I did not hear from anyone Monday XXXX/XXXX/15 or Tuesday XXXX/XXXX/2015. I called back on Wednesday XXXX/XXXX/15 and spoke to XXXX. She said that she would pass my account to XXXX and ensured me that I would get a call back. I did not hear from anyone the rest of XXXX/XXXX/2015. I called again on Thursday XXXX/XXXX/2015 and spoke to XXXX who said that the policy is that I can not get an extension if it was to pay an expense and if my hardship was under 30 days long. I explained that I was not requesting it to pay an expense, I 've already paid it and that is what has strained my cash flow. I explained that I was on unpaid leave from XX/XX/2015-XX/XX/2015, to which he said was n't a long enough time. I explained that I have XXXX checking account with the credit union, have XXXX auto loan currently, another car loan paid in full, a credit card, my mortgage, and a savings account. If I experienced a cash flow struggle in order to bury my mother, I think that deserves an exception to the guidelines. He agreed that it was unfortunate that the guidelines were not set up to assist my issue, but he had to go by the guidelines. He said that if my mother was on the loan, if I had experienced a medical harship instead of my mom, or if my mother had been sick 30 days instead of 21, they would be able to assist per the guidelines. He offered to approve a loan for {$950.00} to make the XXXX payment I 've behind, which basically increases my expenses even more and is no help. I would like to see if someone could review my situation looking at it from a " human '' standpoint rather than by a paper book guideline. I paid out {$4200.00} but only asked for one month ( {$950.00} ) worth of help. I could n't even get the Credit Union to honor their word to call me and talk about my situation. And when I get someone he says " your mom was sick long enough '' -- I think its beyond unfair, unreasonable, and flat out insensitive.
10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27502	Web
Dear XXXX : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of XXXX XXXX Card and XXXX XXXX, Copy of XXXX Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX APEX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX LONESOME XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX PINE XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. XXXX - CARD SERVICE Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX SPECIALISTS Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. NC XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( XXXX ) XXXX days as required by the Fair Credit Reporting Act.
03/09/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 280XX	Web	Older American, Servicemember
My wife passed away on XX/XX/2017. Her sister XXXX Went to the clerk of court in XXXX, NC and got appointted as Power of Attorney over my wife when I XXXX was already Power of Attorney over my wife, XXXX. She set up a account at SECU on XXXX. in XXXX, NC in her and my wife 's name XXXX name. After my wife passed XXXX went to the bank and the bank allowed XXXX to close her account and withdraw all of the money in cash. Her Social Security check were being deposited in the account. The bank allowed her to withdraw the Social Security money in one envelope and the remaining money in another envelope. The Social Security money was kept by XXXX and the other amount was used to pay for XXXX cremation. I went to the bank the last part of XX/XX/XXXX and spoke to a bank officer about getting my account closed which only had {$25.00} in it. The refused because I am in bankruptcy and said that I had filed a loan on my bankruptcy. I proceeded to tell them about my wife passing on XX/XX/XXXX. I ask him why the bank closed XXXX account after she had passed away. He said that they were n't informed of her passing until the XX/XX/XXXX. He said that if they had of known of her passing on XX/XX/XXXX they would not have allowed XXXX to get the funds. The Power of Attorney XX/XX/XXXX had Was no longer good after the second XXXX passed, therefore she had no right to the money and now she refuses to return the social security funds to me even after being notified to do so 4 different times since then. The social security office said that I could keep the funds since it was paid before XXXX passed. XXXX has also ben reporting to my wife 's credit card company 's the XXXX has passed which I, XXXX was doing. The bank, SECU has made no effort to retrieve the money they gave XXXX of close the checking account that has my name on it and has only a {$25.00} savings in it. I feel that MrsXXXX obtained the funds from the bank under fraudulent conditions and the bank, SECU assisted with this also. I ask for copy of the paper that XXXX signed while in XXXX in XXXX, NC while she was not mentally competent or physically to sign any papers without assistance from a outside assistance. She was paralyzed from the neck down and could not write.
04/13/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28078	Web
On XX/XX/XXXX at XXXX XXXX, I deposited a check issued to me by the NC State Treasury in my North Carolina State Employee 's Credit Union 's proprietary ATM. The treasury check was a refund of my retirement contributions while working as a local government employee. Given the COVID-19 crisis and the update provided on the credit union 's website, the ATM seemed the appropriate choice at the time. The check totaled {$10000.00}. A State Employees Credit Union representative, XXXX, contacted me at XXXX XXXX, Monday, XX/XX/XXXX via phone. She left a voicemail stating that they were placing a hold on the funds until the morning of Friday, XX/XX/XXXX. I called the local contact number listed for my branch at XXXX XXXX, on Monday, XX/XX/XXXX to inquire about the funds ' availability. The representative that I spoke with via phone advised that the funds would be available at XXXX, XX/XX/XXXX. The Expedited Funds Availability Act states the following pertaining to this matter : 1. Cash and other next-day checks deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a Federal Reserve Bank or a FHLB ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) 2. Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ) A depositary bank may extend hold schedules when deposits other than cash or electronic payments exceed {$5000.00} on any one day. A hold may be applied to the amount in excess of {$5000.00}. To apply the rule, the depositary bank may aggregate deposits made to multiple accounts held by the same customer, even if the customer is not the sole owner of the accounts. I believe that the financial institutions hold on the funds is discriminatory. The account is over a decade old, and the deposited check issued from the State of North Carolina 's treasury. There seems to be no apparent reason that necessitates holding all of the funds in excess of {$5000.00}. It took a considerable amount of time to receive the funds, and are needed to purchase essential supplies and pay bills.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 273XX	Web
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX NC XXXX 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft SECU Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 9. STATE EMPLOYEES CRED U Account Number : XXXX Please remove this inaccurate information from my credit report. 10. XXXX Account Number : XXXX Please remove it from my credit report. 11. Account Number : XXXX Please remove it from my credit report. 12. Account Number : XXXX Please remove it from my credit report. 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
09/21/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 278XX	Web
On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.
07/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NC 27526	Web
I am a member of the North Carolina State Employees Credit Union. On XX/XX/2020, I XXXX XXXX XXXX submitted through SECU 's online portal an application for a Visa Credit Card with a requested amount of {$4000.00}. The application gave me the option to list " other household income. '' I listed my boyfriends income as we live together. He pays the rent in the amount of $ XXXXmonth, and I pay utilities and a few other items such as the bulk of our groceries. My application was denied as of XX/XX/2020. I called my local branch in XXXX and requested a call back from a loan officer to discuss why my application was denied. During my phone call on XX/XX/2020 with the loan officer, he stated that SECU would not actually allow me to use my partners income as a factor in thier decision process as they had no proof that I had access to the funds. I explained that my partner pays the listed {$1500.00} rent monthly, and that I paid the utilities and bluk of the groceries for the household. I also explained that some of the utility bills had both of our names on it, as well as our rent was paid electronically through a portal via the realtors company and would prove that he pays the rent with his bank account each month. The loan officer cited that was still not proof that I had access to that money. That we would need a joint bank account. I advised him that I would not do a joint bank account unless I was married to the other person, and that it was not fair for that to be the requirement to prove that this persons income is a part of the " other household income '' as their application listed it. SECU loan officer continued to repeat that SECU would not allow loan officers to take that into account and that without that income my debt to income ratio was too high. I feel that this is deceptive on the part of the Credit Union and should be changed. On the application it allows me to list this income without any stipulations mentioned in terms of it being eligible income pertaining to my application. Anyone living together in our situation would be subject to the same misleading practices.
06/14/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NC 27606	Web	Older American
On XX/XX/2023 I requested SECU in XXXX NC to mail check in the amount of {$180000.00} to XXXX XXXX XXXX in XXXX as IRA Trustee to Trustee Transfer. I hand-delivered the transfer request to XXXX NC XXXX XXXX XXXX. On XX/XX/2023 funds in the amount of {$180000.00} were withdrawn from my Traditional IRA account at SECU and I was advised that a check had been mailed that day by SECU. XXXX XXXX XXXX had not received this check as of XXXX XXXX today on Wednesday XX/XX/2023. I have been inquiring of SECU for several business days where the delay was in delivery of the check. I have just now been informed by SECU that a 3rd party vendor who is out of state has been contracted by SECU to print and mail paper checks. SECU had not previously disclosed to me as a member that check printing and mailing was contracted to out of state 3rd party vendor. SECU staff advised me this week that they were likewise totally unaware that checks were being printed and mailed by out of state 3rd party vendor. I have asked what city and state the 3rd party vendor is located and SECU advises me that for security reasons they can only advise that the vendor is out of state. I find it shameful and wrong for SECU not to disclose to members and to employees that SECU has contracted with a 3rd party vendor to print and mail checks and also not to disclose the location of the out of state vendor. If SECU had previously disclosed that checks are now being printed and mailed by 3rd party vendor who is out of state, I would have chosen to handle the transfer as rollover and taking the funds in person to XXXX XXXX XXXX. I have now been advised today by SECU that I must wait 10 business days to request a stop payment order on the " lost '' check that has been reported to have been mailed on XX/XX/2023 and not received by XXXX on XX/XX/2023. I wish for CFPB to demand that SECU be open and transparent to members and to disclose to members that checks will be printed and mailed by out of state 3rd party vendor and that SECU disclose the location of the out of state 3rd party printing vendor
12/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NC 27410	Web
on XXXX I obtained a auto loan with NC State Employees Credit Union. I finalized my loan with XXXX XXXX who advised I could have an extended term of 7 years at XXXX in which I agreed which was based of an 4.25 interest rate and took my new auto loan. When I received my documents in the mail to sign on XXXX the rate was 5.75% and the payment of XXXX I contacted the Credit Union on XXXX and spoke with XXXX who advised that XXXX quoted my payment off the incorrect interest. I was then advised that they could not give me what was quoted and that I should have read the website for rates and needed to go to the Branch for resolution. On XXXX I went and spoke with XXXX XXXX at the Branch and was also advised that they apologize for the error but the they could not allow the terms that was quoted and could extend my loan for 8 years making me keep the car longer than agreed and the board will not make an exception. As a consumer I feel I am being penalized for the Credit Unions mistake and that I should just sign the documents and not read them. I advised them when XXXX printed my documents and noted the error, I should have immediately been contacted of the error while I was still at the dealership. Instead, I left in good faith that I was given accurate information and I was mailed documents as if it would never be noticed. Granted the difference is not much but I should be granted what was disclosed to me and agreed upon. what the bank has offered me as a remedy still benefits them and not the consumer as they will make money off incorrect information. I am left with either accepting what they offer or rescind my loan and turn the vehicle in. I spoke with a supervisor (XXXX) at the Contact Center has asked for the calls to be pulled to proof I was indeed given inaccurate information and was told it could not be done. Most banks when these errors are made the rate can be deviated, but all I am hearing is we all make mistakes and we are human. As this is true, you still should do right by your member/customer.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and late payments are still erroneously being posted on my credit report : STATE EMPLOYEES CREDIT UNION Account Number : XXXX The company is in clear violation of the law, Under 15 U.S. Code 6802b - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Under 15 USC 6802b, it is explicitly stated that financial institutions, including creditors like yourselves, are legally obligated to protect the privacy of consumer information. This includes but is not limited to, information such as account numbers, credit history, social security numbers, and transaction details. The law aims to ensure that the disclosure of such information is limited and controlled, in order to protect the rights and interests of consumers like myself. As a responsible consumer, I am aware of my rights under this statute, and I wish to ensure that my personal information is handled with the utmost care and confidentiality. I understand that some measures may already be in place, however, I believe it is essential to highlight the significance of compliance with 15 USC 6802b and the importance of providing consumers like me with peace of mind that our sensitive data is well protected and managed according to the specifications of the consumer.
11/29/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Fees charged	NC 27520	Web
In XXXX I fell behind 1 payment on my mortgage and quickly reached out to SECU to know what options I had as far as repayment plans or extensions. SECU advised after I make 6 continuous payments I would qualify for an extension. I was told to call back after I made the final 6th payment in XXXX so they could process the extension timely. I did just that by calling multiple times and messaging near the end of XXXX and again in the beginning of XXXX. Even with my communication and prompts to process the extension SECU did not process the extension timely causing an additional late charge of over {$47.00}. I had already paid approximately ( 8 ) prior late charges during the required repayment period to qualify for the extension. I even made sure to return the esigned document immediately upon receipt. The first document did not instruct for 1 of the 3 check boxes to be checked, so it had to be resent which the 2nd document did include the required check boxes so I executed properly. This all taking place after SECU paid the incorrect property tax on the lot next to mine, causing me to pay interest, fees and being in danger of county tax levy. SECU 's failure to correctly apply my escrow funds towards the correct property tax caused my escrow shortage which increased my monthly mortgage. SECU needs to improve their extension process and listen to their members when they make efforts to handle this process timely but still are charged a late fee due to SECU dropping the call. The disputed late fee is the XX/XX/XXXX late charge due to SECU not processing the extension timely. Additionally, SECU does does not consistenly provide dual party consent or mini-miranda on their collection calls. I have also experienced SECU not fully authenticating me prior to releasing account specific information. I love my membership with SECU but there needs to be sustainable change in the risk, compliance and governance of SECU.
06/02/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 28655	Web
On XX/XX/2023, I applied for an extension of My credit at State Employees credit Union. I was denied for credit history and basically I didnt make enough. I am devastated. After speaking with loan officer, I asked was she the underwriter, she told me No. After She spoke with her supervisor supposedly. She said it was my credit history and recent chargeoffs. I told her someone was working on my credit because someone fraudulently used my social security number. I then asked to speak with the underwriter. She replied I am the Underwriter. I then mentioned 12 Cfr 1002.4. I felt discriminated against. I also mentioned Title 15 subsection 1611 faults and misleading denial of credit. I asked for all the factors that played a role in this consumer transaction. She than said she didnt know what I was talking about. She havent heard those codes before. I told her if she was an underwriter Im sure someone mentioned them one time or another. I asked for a printout of the factors the played a role and denying me access to an extension of my credit. She said it would be mailed to me. I told her I was denied so it should be on the screen. I asked to speak with a manager who may know these codes. She then brought the bank manager in and she said we are sorry your denial is because of charge off and credit History. At this point I was heartbroken. I told her if its charged off they were paid so it shouldnt be on my credit and gave her my spill about fraudulent activity on my social security number. The manager told me something will be mailed to me. After leaving the bank, I thought I left my phone and four employees were huddling talking about this matter. Later that day I received a call that I can pick up paperwork Tuesday morning and She spoke to Vp of company and I was still denied. It was a Friday XXXX XXXX and it was a XXXX Monday.
01/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84660	Web	Servicemember
On Thursday, XX/XX/2019, around XXXX EST, I contacted my bank, North Carolina State Employees Credit Union , and requested they report a line of credit ( {$500.00} ) to XXXX credit bureau . They denied my request to have it submitted to this agency claiming they only report to one credit bureau, XXXX. When I asked them what can I do to make this happen, their response was " sir there is nothing you or I can do to have the credit union report this to another credit agency. '' The only option they gave me was to contact XXXX and have them request the updated information but they said it would do no good due to the fact the bank will not divulge the information to anyone. In my mind and based on what they just said but already did, if they were not going to share that information with another credit agency at my own request then why have you already shared that information to a credit agency without my consent? This complaint is in conjunction with a previously file complaint against the credit bureaus. Reference number= XXXX The circumstances of me requesting this information be sent to the other credit bureaus is in order for me to exercise my VA Home loan benefits I must have a second credit score for the underwriting guidelines under XXXX XXXX and XXXX XXXX . All I am trying to do is use my VA benefits, which I sacrificed more than you could comprehend, for the point of being exempt from the funding fee. I am in the understanding that this violates my rights as a veteran under the " Service men and women 's act of the armed forces '' in a way that may not be as black and white as the foreclosure process but it is still as detrimental to me that prevents ownership of my family 's first home. A timely response to this ongoing issue is imperative to the concerns of my family and I. Thank you.
10/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 27107	Web	Servicemember
I called State Employee credit union in XXXX 2022 so that I can set up a reoccurring minimum payment to avoid being late. The person I spoke to set up a set payment of {$600.00} per month instead of the minimum due. I was over on the balance so as a result the minimum due was {$780.00} that month. I was not aware because I was out of town working and didn't think I needed to look at the bill because it was supposed to be paid automatically. I later found the problem when I called. I was told someone would call me back and when they did not 2 weeks later I began calling. I spoke to someone who told me they could not correct it even though it was a credit union error. They never asked for my account info so I know they were not trying to help me. I later called and spoke to someone at the branch who looked and let me know what the error was and unfortunately the Fair Servicing department at the bank would not correct the issue even though the bank verified that it was a problem. I spoke to the VP XXXX XXXX and XXXX XXXX and they would not remove the lates from my credit. I received a letter from the bank stating that it was a error but their hands are tied and they can not do anything. As a result I was trying to refinance my property and was denied because my scores dropped almost XXXX points and I was in the path of XXXX XXXX and I applied for assistance because my property was damaged and I lost income and I can not even apply because my scores are low. When I spoke to XXXX XXXX he didn't even have the facts correct but seemed like he was trying to be correct instead of doing the right thing. I lost income and I am struggling if I loose my home and businesses this will not be right. I didn't do anything wrong the credit union did and I have a letter to prove it. Please help me.
06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12553	Web	Servicemember
State Employee Credit Union ( SECU ) has been reporting to my credit file that I have 3 accounts with SECU that are in collections and past due. I made initial contact with the business on XX/XX/2023, in letter ( certified mail returned receipt ), demanding them to substantiate the validity of the debt. SECU received and signed the letter XX/XX/XXXX at XXXX XXXX. SECU failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please see exhibits in attachments. I have written to SECU on three separate dates requesting to validate the debt. In return SECU has responded without any validation what so ever, but insist on requesting I put my current address on the accounts that I am disputing. State Employees Credit Union is in violation of the FCRA and FDCPA, therefore, if SECU can not validate the debt, they must request for all reporting agencies delete the entry. State Employee Credit Union, violated NYCRR 23 Section 1.4 ( B ) Which says, A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. State Employee 's Credit Union statement to the effect is that it could not disclose as it sent the information to another address with a request to update the address is of no moment. I have no association or knowledge of what address SECU is referring to. Moreover, the law states the creditor ( SECU ) Must provide the information upon request and does not give allowances to excuses to deny the request. I will pursue matter to court if these accounts aren't substantiated accurately within 30 business days.
10/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC XXXXX	Web	Servicemember
I have recently applied for a mortgage loan and we denied it due to the fact that STATE EMPLOYEES CREDIT UNION continues to incorrectly report information to the credit bureaus. I filed a complaint with the CFPB before but all they did was XXXX out the accounts on the report and listed them as paid. After doing this SECU turned around and started reporting to the credit bureaus that the same accounts are now in charge-off status. I have been proactive in my efforts to have this misinformation corrected but they continue to report it. I have reached out to my local SECU branch and asked for help. The lady XXXX was has been wonderful about trying to help me correct this error but unfortunately, she isn't over this department nor is this her job function. The feedback that i received from SECU was that yes they will continue to report this as a charge-off until the full years of 10 years which in their eyes is until 2024. In the state of NC only judgements can report to the credit bureaus for 10 years. These two accounts I'm speaking of have never had judgments filed on them or me for these accounts. As of now, these accounts are 9 years old and per NC state law these accounts should have been removed and or deleted from my credit report over 2 years ago. I have provided documentation to prove the age of accounts, status they have been moved to since the last complaint I have filed with the CFPB. I have requested in writing for SECU to immediately stop reporting these accounts to the credit bureaus and have them deleted to be in compliance with NC and federal state law. This request has been declined by them and I am asking for the CFPB to please have them delete these accounts as they are reporting them incorrectly and causing my family and I undo hardships.
03/22/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27253	Web
Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.
09/06/2017	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27610	Web
State employee credit union. Was supposed to automatically take a payment of {$230.00} on XX/XX/XXXX they draft the payment for my car note before my check is even deposited into my account. I was notified earlier in the month of XX/XX/XXXX regarding a separate account that I had to make a payment on. I was not notified until XX/XX/XXXX regarding my car payment was late. So when the rep XXXX from the XXXX XXXX brands I advised him as to why I was being notified so late when someone from the credit union called me the first day my salary advance was 1 DAY PAST DUE. I advised XXXX there was no reason as to why a payment wasnt automatically drafted out of my account. There was enough money deposited into my checking account fro cover the payment. And the payment was deliberately not paid due to my recent complaints on the credit union my car was in a minor accident on XX/XX/XXXX which it has been at XXXX XXXX from that date till today. And each month I was making a car payment. I advised XXXX that I was not expecting a paycheck the end of XX/XX/XXXX and would have to make a double payment on XX/XX/XXXX. A few days ago I get a letter in the mail saying my car will be repossessed if a payment is not made in 10 days from the date given in XX/XX/XXXX. I have already sent this information over to my lawyer. The credit union is deliberately retaliating at me because of my numerous complaints. XXXX could not give me any reasonable explanation as to why a payment wasnt made. From the time Ive had that car til now all of my payments has been automatically drafted from my checkings account. I demand answers as to why a payment wasnt drafted out and why was I notified 7 days before the end of XX/XX/XXXX. Why wasnt I notified when the payment was 5 days past due?
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28215	Web
On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with STATE EMPLOYEES CREDIT UNION. The line of credit I have with STATE EMPLOYEES CREDIT UNION is characterized as utilization on my consumer reports. STATE EMPLOYEES CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : STATE EMPLOYEES CREDIT UNION credit card, STATE EMPLOYEES CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! STATE EMPLOYEES CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to STATE EMPLOYEES CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
05/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 27520	Web
I have been with the state employees credit union for more than 20 years, since I was a teenager. Around XXXX, I had some issues with them trying to apply for a mortgage loan. They gave me the runaround from branch to branch until I started complaining about the services and misinformation I was receiving. Then, I requested that my wife and I open an additional share ( savings ) account to start saving money together. It was denied to me for reasons unrelated to my credit or banking history. When they tried to fix their mistake, I refused to do business with them. In XXXX I bought my home with no problems and got financing through my builder. Within this year, I tried to refinance my home with the credit union and was denied, despite the fact that my credit score exceeded their " qualification '' expectations. Prior to all of this, I also had a personal loan to consolidate my credit cards, and I paid that loan off on time and early. On XX/XX/XXXX, I tried to consolidate them but was denied again. I am filing a complaint because I believe the secu has retaliated against my previous complaints against branches and executives. I can not retrieve those prior messages from the portal because their system limits the amount of time before deleting them. Filing this complaint is only step to show how the credit union has discrimination and I can say with several other people that I know personal, of color, have experienced this with the credit union. I am disgusted that I have always tried to keep a upstanding credit and payment history with the bank, only to express my concern about the miscommunication with trying to purchase a home and they credit union decided to black mail me from any future lending services.
09/05/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 275XX	Web
XX/XX/2023 I tried cashing 2 checks at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. They had ne held up in the drive-thru for quite a while. So I start talking to myself saying why is it that they keep doing this. If there is a issue someone should say something because it doesn't normally take that long to cash a check. But on my last few visits they've kept me held up for over 5 to 10 minutes. The guy in the drive-thru says no, there's no issue. Moment later he says unfortunately we can't help you. He asked for my card and my ID, he said his computer crashed and he disappeared forba while. I leave and head over to XXXX XXXX, XXXX, NC XXXX a couple hrs later and things took a turn for the worse. Upon arriving at that location I head over to the information station to see if I could speak with someone. He was busy so I went over to a cashier. I get there the guy says he can't find one of my checks in the system. I'm confused, because why would it be in the system, and I've cashed checks from that company before. He says we'll can you show me where you printed it from? So I said what XXXX XXXX? ( Later realized it was actually XXXX XXXX and so I told him that ) he says yes. He had me login and show him all of the checks that I had gotten. I then realized that this guy tricked me into showing him my personal information in order to stall for the police to show up so that they can trespass me. I mean this guy was scrolling and clicking and asking questions and trying to get me to show him more from different applications pretending to be looking for something specific but he was stalling, at the expense of my private information. Knowing he wasn't going to be cashing not a single check.
03/09/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28269	Web
On XX/XX/, I refinanced my car loan with State Employees Credit Union. I found multiple violations on the Fixed Rate Closed End Promissory Note, Truth and Lending Disclosure and Security Agreement. Pursuant to 15 USC 1605 ( a ) the finance charge is the sum of all charges and on the document provided the finance charge does not reflect such, which is fraud. On the document the finance charge is {$8500.00} which does not reflect the amount I am being asked to pay. On the document the total of payments equals to {$42000.00} which is not the sum of the finance charge. This is fraud since this is a truth and lending disclosure and it is not following the federal US code. Pursuant to 15 USC 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The inclusion of late charges on this document is a violation of the federal US code. Pursuant to 15 USC 1605 ( b ) the inclusion of life, accident, or health insurance premiums shall be included in the finance charge and they were not. Pursuant to 15 USC 1605 ( c ) property damage and liability insurance premiums shall be included in the finance charge and they were not. I sent a debt validation and cease and desist to State Employees Credit Union on XXXX XXXX and received a letter that did not address what I asked for so I sent an affidavit to State Employees Credit Union in addition to all documentation I have sent thus far with the addition of the exhibits for my affidavit. I am asking for the violations to be compensated by the company and for my account balance to be XXXX for my car loan and credit card balance since this company is committing fraud.
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and an erroneous late payment posted on my credit report : STATE EMPLOYEES CREDIT U Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
07/29/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 305XX	Web	Servicemember
We are the Sellers on a buy/sell real property transaction in the State of Georgia. We were set to close on XXXX XX/XX/2021. The Buyers were working with XXXX XXXX at the XXXX XXXX XXXX, XXXX NC XXXX SECU branch. We signed an Amendment to the Offer Agreement to allow the Buyers more time than originally requested to work with XXXX XXXX to secure an appraisal. The only Appraiser to arrive was not scheduled, no notice was provided, and the Appraiser refused to wear a mask inside our home. The Appraiser was asked to leave. Six days later - on the day the contingency was to expire - XXXX XXXX asked the Buyers to request another Amendment - for as long as they will allow. Our Sales Agent indicated that XXXX required the Amendment or the Buyer was instructed to take action on the Appraisal / Finance Contingency. No advice provided to the Buyers - that we are aware of - such that by invoking an Appraisal/Finance Contingency without the proper paperwork would be unethical and / or illegal. The Buyer did invoke the contingency. We actively tried to make contact with the Closing Attorney and with XXXX XXXX. No effort to engage from XXXX. We did receive a withdraw letter but not a Loan Denial Letter as required by law. XXXX boss is XXXX XXXX. We spoke with XXXX on XXXX XX/XX/2021. He showed no interest in the situation. He was helpless to support and offered nothing authoritative to inquire as to procedure issues or incorrect advice provided by those under his command. We strongly believe that SECU is incompetently and inappropriately serving its Clients. We arent sure what should be done about it but we are interested in helping others avoid poor communications and bad advice.
05/16/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	NC 27616	Web
To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,
06/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28278	Web
I filed a credit card dispute with my credit card In XXXX, which I thought was resolved. My credit card reversed the charge of {$220.00} back to my account on XXXX disagree with their decision. I filed a dispute in XXXX for services not rendered with the merchant XXXX XXXX ..Upon arrival at the resort on XX/XX/2023 at XXXX XXXX.the check-in building was nasty and disgusting so We asked to check-in for the XXXX XXXX .The front desk girl, said this is the check-in for the XXXX which was a glasstower resort nextdoor. but she said we sold that building years ago and you're staying here... I said, we booked for the glass towers... which come to find out was false advertising and ... she said this is a timeshare building, so I asked to see a unit, and she pretended to look through a list and said nothing was available and I could see it when we check in at XXXX..we left and I cancelled the reservation..first of all a timeshare unit is always available for showing..We rode around over 2 hours to find another resort, which was aggravating. On the following week I filed a complaint with my credit card company..NC State Employees Credit Union ... they reversed the charge finally, but now after the merchant responded with a lie and said I never showed up they reversed the charge on XXXX XXXX... Which I disagree with my credit card company stated I would have to present proof of me cancelling the reservation, which they had that in writing from the merchant. Now my credit card company is saying it's hard to win a Quality dispute... this is ridiculous ..We didn't stay in that disgusting building and I want my money back.
09/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28306	Web
I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money
10/27/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27896	Web
on XX/XX/ I was scammed by a caller, he took control of my phone and moved my money around and out of several of my accounts. My husband, my daughter, and my account. while contacting NCSECU that evening they pulled up my account and said the scammer was doing the activity. My hubby had SECU on the line and I had the scammer on the line ( thinking at the time that it was ( XXXX XXXX ) He moved money from one account to another account to XXXX XXXX to XXXX to XXXX account. So all together I lost roughly XXXX XXXX XXXX did their investigation and found that it was a fraud and gave me the man 's IP address ( I told my band about it and the only thing that said was " Why didn't XXXX XXXX give you the money since they found the IP address ) I told them that XXXX XXXX stated that " the money was in my bank that is ensured and the scammer took money out and move it through cash app, XXXX XXXX and XXXX. XXXX for NCSECU did not care. This is our hard-earned money. NCSECU did tell me to try to get the cash from XXXX and XXXX. XXXX did their own investigation, which I have only been with for maybe 6 months ) and decided in my favor and XXXX was returned to my account in 2 days. NCSECU is trying to take credit for the money returned to me and I did the work for that. ( so appalling and sickening ) this has been a nightmare for me and my family, I just want my hard-earned money back, please. I feel NCSECU did not do enough to help. I have been with the credit union for 25 years and this is how a member that they say they care about is treated. Please check into this matter. I need my money back.
02/03/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 28208	Web
XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice
01/09/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28052	Web
On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.
06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27704	Web
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 XX/XX/XXXX, 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 CFPB, then in the response letter, they sent me on XX/XX/XXXX of XX/XX/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 XX/XX/XXXX 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 XX/XX/XXXX 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 FTC 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 XXXX XXXX with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30274	Web
The date was XX/XX/2020. The loan amount was XXXX. That included XXXX for the purchase of the car and the remainder of the loan was for Gap Coverage Insurance sold to me by the Credit Union. The Title of the car was given to the loan officer for approval of the sale of car. I and the seller both signed the agreement and the loan officer retrieved the document. The Loan Officer is telling his superior associates he gave me the Title Document for delivery to the Department of Motor Vehicles office in the state of Georgia. I would never agree to that. I am not familiar with that process and would not be comfortable with that process. We are in a state of a worldwide pandemic. On XX/XX/2020, the car was stolen from the XXXX XXXX location awaiting consultation for repair. I had full coverage on the car with XXXX XXXX. XXXX XXXX is denying coverage because the Title was never transferred to my name. I never owned the car. That puts me in an uncompromising position because the Loan Officer failed to deliver the documents to the Department of Motor Vehicles office in the state of Georgia. Now I have no car and no coverage. I did everything that was required of me. I even elected to carry the extra Gap insurance. There was nothing left for me to do further. The credit Union is holding me responsible for their error by continuing to charge me for the automobile Loan plus interest.. They are reporting bad credit to the credit bureau and that is not lawful. Please help with this matter. Thank you.
10/19/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77459	Web
In XX/XX/2022, i was alerted by my sister that {$1000.00} was withdrawn from our joint account with N.C. State Employee Credit Union. After looking for more suspicious activity, I discovered that several thousand dollars had been fraudulently transferred electronically over several months across all 4 of my accounts ( my personal checking, savings, my joint checking, joint savings ). This was done using account and routing numbers. No debit card activity detected. my credit union told me that because it happened over 60 days ago, there was nothing they could do. they gave me an affidavit to bring to file police report. I closed all four accounts and opened up four new accounts. the police detective has been trying to reach the credit union to get transaction details, including bank transfered to, computer IP addresses, etc, but the credit union will not cooperate. They tell both the detective and I that they do not have this information. I have lost $ XXXX. i closed all 4 of my accounts that have been compromised and opened up new accounts. in the past month of opening the new accounts, the same fraudulent activity has occured and I have lost an additional $ XXXX. The bank is filing a charge dispute because it is within 60 days, but I was never alerted of new suspicious activity on my account. I have now lost $ XXXX in my credit union and can not get any details as to where the transfers are being deposited. This is what the police detectives are asking for.
07/11/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	SC 29720	Web
We were notified that due to too many NSF fees our account would be closed. I went to the branch and we discussed our plan to help this situation. Since then I did have two more that I was under impression I took auto pay off because the dates didnt match for a good time to be pulled out. Since that XXXX, 2 business days later my husbands and I were Immediately took from our account login and debit card accessible to be used. We received no phone call warning this or letters for this time of round. We are trying hard and I was just in the branch and its not even been 30 days to get our finances on a new schedule with my husbands new job and the branch went ahead and closed our joint acct. we have a good jobn with income and very confused and upset and hurt this credit union was not more understanding for struggling low income family like ours. We have three kids and we cant afford to just have us cut off with no date of when this would even be effective. Credit union 's are suppose to be helpful and not like your traditional franchise banks. Not one time did the bank reach out for solutions, I had to dig and go up to the bank personally. Even then it was of very little. As a low income mother just working full time to get by, a little more advice and solutions would go further then penalties, and fines everywhere. Please help us.. Date of birth XXXX XXXX XXXX Name : XXXX XXXX XXXX Last 5 of social : XXXX Joint acct ending XXXX Cell XXXX
11/15/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28752	Web
I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, XXXX
01/06/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27615	Web
Complaint I had a hacker hack into my XXXX shared account with my dad, and all my other bank accounts ( XXXX XXXX and XXXX ). XXXX XXXX and XXXX were very helpful and fixed every problem that happened. XXXX on the other hand let a hacker get into my account and let them mobile deposit an electronically made check that was for {$2500.00}, the check was deposited it into my account within 24 hours and on XXXX. A check that wasn't even endorsed by me was let through into my account without my knowledge, after the holiday when the check later was found out as fake the XXXX called me 6-7 times in the same day and have demanded and harassed me for about two months now for the {$2500.00} for the fraud check that was not even deposited by me. The VP of the branch listed above was named XXXX XXXX and she was the one I talked to about everything, after visiting her and her being of no help she gave us the name XXXX XXXX who was the vp of all the branches in the area. Now they have withdrawn {$2000.00} from my paypal account without my permission. I called paypal and they do not understand why or what is going on and suggested I contact the bank since they were the ones to do this. I have NO access to my XXXX account they have locked me out of them I also have not contacted the bank as I feel as if this may be someone internally. I have filed two police reports regarding the situations and currently working on an attorney.
08/20/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 27610	Web
Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 276XX	Web
XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
03/03/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27613	Web
Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX. This includes closed accounts, or any account associated with a closed account. I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX. I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble. My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc. While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records. The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.
01/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27587	Web
I lost my job twice ; once in XX/XX/XXXX and again in XX/XX/XXXX. During this time, I struggled to make my monthly car payments and fell behind by 5 months, total. I spoke with the XXXX, North Carolina State Employees Credit Union and they asked that I keep them updated on my re-employment status. I kept in contact with them and let them know when I was re-employed. They informed me of the outstanding balance, which was about {$2100.00}, for my vehicle and that re-possession would be implemented after my loan was delinquent for 180 days. I asked if there was anything that I could do to put off the order, but XXXX, the SECU representative informed me that there is nothing that could be done to help me. Following the discussion, I saved enough money to pay the full balance. Once I paid, XXXX sent me a letter, stating that my car loan status was current and noted that the next payment was due on XX/XX/XXXX. I made my car payment on XX/XX/XXXX in the amount of {$450.00}. I woke up on the morning of XX/XX/XXXX and my vehicle was not in my driveway as I left it on the night of XX/XX/XXXX. I spoke with the bank on XX/XX/XXXX and they said that the amount quoted to me earlier did not satisfy my loan. I asked why was this not communicated to me. I satisfied the amount that she quoted. She added that I would have to pay the repossession fee of {$370.00} plus a daily storage fee of
07/30/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 275XX	Web
In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, Virginia upon getting an approved auto loan for the vehicle from N.C. State Employees Credit Union. Including with the price of the vehicle the auto loan included {$1200.00} for an extended auto protection package. The owner of the dealership did not submit payment and extended warranty application to XXXX XXXX XXXX. The FBI launched an investigation into the dealership for fraudulent activity and numerous reports of obtaining money under false pretenses in total of 81 indictments and was sentenced to 3 years in prison in XXXX. Upon his release he is court ordered to pay Restitution to all victims of his crimes. As stated in his promissory note his first payment of {$450.00} was supposed to be made to me XX/XX/XXXX. I have not received this yet. However, my vehicle is no longer in working condition and I am not financially able to pay for the repairs and make the payments to SECU on the auto loan. I am currently unemployed. This has caused an enormous amount of stress on my behalf because this is causing derogatory remarks and late payment history to be noted on my credit report. Even with reporting what happen with the money for the warranty, XXXX State Employees Credit Union has not been able to offer me any help in getting this matter resolved without defamation of my credit.
05/19/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	WV 254XX	Web
On XX/XX/XXXX at XXXXXXXX XXXX, in a six-minute call, I attempted to stop automatic payments to XXXX XXXX XXXX XXXX The agent began to read a lengthy, mostly unintelligible disclosure that there would be an {$8.00} fee for the transaction, that the payments could only be stopped for a maximum of 12 months, and that the payments could not be stopped if the corporate recipient of funds had changed their company name in any way. Additionally, On XX/XX/XXXX at XXXX XXXX., I called the credit union to report a fraudulent debit to my account of {$14.00}. In that six-minute call, my debit card was cancelled, and a new one was issued. At XXXXXXXX XXXX. on the same day, in a four-minute call, I reported that I had been in error and that the {$14.00} charge was legitimate. The representative placed the call on hold for an extended time to get ahold of him. She then said that the investigation into the charge was cancelled but that the issuance of a new debit card could not be stopped. On XX/XX/XXXX at XXXX XXXX., in a two-minute call, I activated my new debit card. On XX/XX/XXXX at XXXXXXXX XXXX, in a seven-minute call, I questioned why a provisional credit was posted to my account that day for {$14.00}. After being placed on hold for an extended time to get ahold of him, the representative said the credit would be reversed. Documentation is attached.
08/24/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28590	Web
I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.
06/03/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	NC 28532	Web
I am emailing to inform you of an incident that happening this past weekend, XX/XX/2019. My debit card was taken by the XXXX XXXX ATM ( XXXX ). The atm said that it was out of service and would need maintenance. I return to the branch Monday morning to retrieve my debit card only to be told that they didnt have it and a service call was never placed on that atm. Which leaves the question, well where is my debit card? Turns out SECU released MY debit card to some random person that later walked up to use the ATM. I have been in banking for years and a former SECU employee and I am sure that is not how that is suppose to work. My debit card was given to some random stranger and is currently circulating around XXXX County all weekend and I can only imagine the damage that has been done. The only service I can get from the Branch is to order a new debit card, but that doesnt give me any peace of mind knowing that SECU practices giving away important information to anybody. They dont have to be the card holder to get my card released from the atm. What steps were taken to verify the identity of the person calling in? I will be sure to share this experience with everybody I can. With all the fraud that already exist, people should be aware of what banks and financial institutions are not actively trying to protect them and their assets.
04/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27527	Web
Hello, I have late payments on my credit report from NCSECU from XX/XX/XXXX- XX/XX/XXXX. I called NCSECU before I was ever late and asked for a deferment because I was sick and was out of work. If I don't work I don't get paid as an XXXX XXXX. I was sick for several weeks at that time not knowing I had XXXX. Then my wife was sick and I had to take care of her and then my kids. Struggling to catch up between this time I finally gave up and sold my house in XX/XX/XXXX because NCSECU only cared about getting their money and on time. I called in multiple times to avoid late payments. The first time the representative said they can't help me because i am already a few days late. When the world shut down and everyone realized what was going on with XXXX the bank had been offering help to avoid late payments for mortgages to help those in need. Well we were desperately in need and I called in again and stated this and they denied any deferral of my mortgage or assistance because I was already 30 days behind. We were forced to sell to avoid foreclose and been struggling with XXXX since then because we no longer have our own home and to top that have we late payments sitting on me and my wife 's credit report preventing us from ever getting a new mortgage in the future. This was extremely unfair during those times.
04/15/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 283XX	Web
During the underwriting around XX/XX/XXXX we were informed that the builder could not pay our closing cost because we owned the land the house would be built on. I was told that if we didnt own the land out right that the builder was allowed to pay the closing. Furthermore the bank has a lean on our land. When I inquired I was only allowed to speak to the branch manager they would not allow me to talk to anybody higher. I was told they would communicate it up and get back with me. As of today XX/XX/XXXX one body has given me an explanation. We had to pay a full years insurance, buy three surveys which the last one was only a copy of the first house survey with a driveway and different date. I have inquired an explanation on this as well at the same time. Still no explanation or response. The North Carolina State Employees Credit Union seems to have a short chain of command. I am disgusted that a state funded organization doesnt allow a member to address issues higher than the branch manager.. Copy of email from underwriting : The construction Loan Underwriter sent me whats below. Basically, they are requesting that the surveyor revise the foundation survey to reflect the completed home and indicate the driveway along with the survey stamped, dated and signed. I paid for the same survey twice ...
03/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28658	Web
Car turned in because ( 3 months ago ) engine defect in XXXX XXXX XXXX we didn't know about... Didn't get letter from dealership ( corporate ) about recall until car was already surrendered.. today on XX/XX/XXXX .. they emptied out all our savings.. was told the car would be sold and the difference would be our responsibility... And also that we could Make payment arrangements to pay towards that ... No letters sent no calls no warning but we fully intended to pay the balance now we can't. Took husband 's money and other account we set up to pay for new car.. state employees credit union which we have banked with and paid 3 to 4 vehicles off through them allowed the collections to do this.. car was sold for about XXXX dollars then took our whole savings and left us with nothing. Was also told they could take money every time we get paid to clear another XXXX owed on the vehicle leftover as well .This is our first surrender through them and we feel this is incredibly cold and insensitive towards people 's livelihoods including our XXXX kids was not even given the chance to make good on our word when we were told we could make arrangements to pay on the vehicle which would be sold..my and my name only is on the loan not my husband's.. ( joint savings account ) this is preditory behavior please help
05/05/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	NC 27406	Web	Older American
ON SATURDAY, XXXX XXXX WHILE BALANCING MY ACCOUNT VIA TELEPHONE i DISCOVERED THAT A CHECK FOR {$480.00}, written XX/XX/XXXX to XXXX XXXX XXXX XXXX was outstanding. the balance in my account indicated that {$480.00} that I deposited on XX/XX/XXXX was also missing. I called the 800 # spoke with fraud division also explaining that there is a pattern I noticed in my account when this happened XX/XX/XXXX re : ck # XXXX for {$50.00} and previously, when this occurred randomly XXXX ; XXXX. What happens is check written but remAINS OUTSTANDING beyond what I consider normal ( longer than 10 business days ) however the money ( I deposit to cover check goes missing first. ( I suspect they work with someone inside banlk who gives them cash for check. ) Check is presented and bounced. I have to cover check to clear up problem in account which means I have paid 2X for face value of check not to mention any other fees or problems. On Saturday because the representative saw no " large/unusual " activity he referred me to representative at local bank " who will set down & review with me my register. '' I refused having been through this before. Asked about audit of account and was told they don't do that. Problem not solved. I suspect a thief within the system who has gotten away with this for years.
03/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 283XX	Web
This complaint is with NC State Employee Credit Union. Around 2013 I was bit by a spider and suffered a XXXX. Before this, I was never late on payments because my vehicle was auto-drafted out of my account at the end of every month which is when I was paid. When my mother who was my aide at the time due to my XXXX called the bank to try to activate the insurance I had to the bank in case of loss of job and XXXX. And the bank never activated that. They were rude at the time. I could not walk or see let alone drive My mother explained that. I was not given a payment plan or anything to catch up with. I was in financial hardship due to piling medical bills and the medicines and therapies I had to take. At that time I did not know my vehicle was getting repossessed as i never got a letter or call or anything about it. The vehicle was taken at XXXX XXXX in morning. I did not know that I had a balance left on the vehicle until I got a judgement placed on my credit report. for {$7200.00}. I have never heard of anyone being taken to court on an auto loan and not being informed of when it was to occur. They got the vehicle back. I don't feel that it was fair to have a judgement put against me. I have knowledge of other people getting repossessed by the bank and this not happen to them.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 282XX	Web
Dear Consumer Financial Protection Bureau, I am writing to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. Before the charge off of my debt, it was agreed upon that the debt would be paid in full, and that my credit report would not be impacted negatively. However, the creditor did not honor this agreement, and their violation of FCRA has negatively impacted my ability to obtain credit. According to the FCRA, creditors have a responsibility to report accurate information to the credit bureaus. In this case, the creditor broke our agreement, thereby violating the FCRA, which has caused damage to my credit score and limited my ability to obtain credit. I request an investigation into this matter, and I ask that the Creditor be held accountable for their violation of the FCRA. Additionally, I urge that you take necessary measures to ensure that the creditor corrects the inaccurate reporting on my credit report, and provides compensation for the damages they have inflicted upon me. I appreciate your attention and assistance in this matter, and I look forward to hearing from you regarding a resolution. XXXX Credit Bureau Name Statecu ( State Employees Credit Union ) Account number XXXX Amount : Paid Charge-off Disputed 5 times Sincerely,
02/14/2023	Yes	Checking or savings account Checking account	Credit monitoring or identity theft protection services Didn't receive services that were advertised	NC 27606	Web	Servicemember
XX/XX/XXXX I noticed several checks written against my account, signed by an unauthorized person and cashed from account. Several checks went through in the amounts of {$900.00}, 2 checks for {$700.00} and one for {$500.00}. Filed police report ( XXXX ). Spoke with XXXX XXXX at the bank and stated I was going to have this money sent back into my account within 7-10 business days. Then, the status changed where I needed to sign a form, have it notarized and sent back to state employees credit union. I'm currently in sc ( travel nurse ) and explained this to the representative. They couldnt send these forms to my address, it had to be the one on file at the bank. I filled out the forms, notorized it and sent it in. End of XXXX, I receive a phone call from assistant bank manager. Called back, no response in XXXX. Called back 3x more, still no return call until XX/XX/XXXX stating it's been too long and the credit union no longer can assist me past 60 days. Now I have to go after the person who stole money out of my account with CLEAR checks that were written without my signature, name, authorization and even printed in checks with incorrect spelling. I need assistance to get my money back that the credit union did not protect or follow through with protecting my account.
04/27/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NC 28304	Web
On XXXX approximately XXXX I call one of the local branches in my ar ea ( XXXX XXXX XXXX XXXX , NC XXXX XXXX and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around XXXX the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.
10/28/2015	Yes	Bank account or service Checking account	Using a debit or ATM card	NC 27529	Web
I am a current customer of the North Carolina State Credit Union. I have my checking account and a savings account with SECU located in XXXX XXXX North Carolina. I have direct deposit of my Social Security Disability check being deposited into my checking account each month. I recently closed a checking account due to it being compromised and opened a new account for direct deposit. The old account was closed on XXXX XXXX. XXXX XXXX XXXX SECU allowed a unauthorized debit from a business in the amount of XXXX to be debited from the closed account. There were no funds in the account and the account was closed. I did not authorize this debit nor did I have any knowledge of a bill from this company. I went into the branch and was informed that SECU allowed this debit on a closed account. This has put my account XXXX XXXX on hold. My sole income is XXXX a month from Social Security disability. I am a disabled person on a fixed monthly income and because of this fraudulent transaction I am in need of help with this matter, This has left me with no means to support myself or my children. I had no knowledge that SECU would allow a debit on a closed account. Please contact me I need help with this matter. XXXX XXXX XXXX XXXX nc XXXX
10/17/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC 28405	Web
Sorry this was with secu credit union so i may be on the wrong website. Can u refer to the appropriate agency? I was originally approved for a car loan at XXXX to XXXX depending on. Car. Then when i went to get money they refused me because the branch said i had mo drivers license on file no signature and the wrong address. After fixing that fiasco, then i was given a power check for XXXX $ to be used whenever. When u brought the check back to ask to shred it snd give me one for XXXX more the 37 year veteran said he did not know to reissue a power check. Lastly they tried raising my rate to XXXX from XXXX and ran my credit on the day i came to close on the loan. The 800 loan number told me if i got a car less than ten years old i could potentially get XXXX on 60 months or XXXX on 72 months and within hours they denied my loan. Total buffoonery. I asked for my iRA money out over XXXX and these idiots were refusing to give me access or the loan for what reason beside discrimination?? they also caused my credit to go down almost XXXX points. They told me is was XXXX then on yhe day i came to get loan they said they had to run again even with the power check and said it was XXXX. I then had chase run it and it was XXXX.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28376	Web
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company State Employees Cred keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
06/10/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	NC 28269	Web
A hold was placed on my saving account ( XXXX ) because my institution said I was making more than XXXX transfers a month. XXXX, XXXX XXXX, 2015 I was stranded in XXXX NC with no idea what was going on. When I was finally able to get speak to someone. I was informed I am being penalized or punished because I have made to many transfers. First, I never knew it was wrong to use money I work hard for. Second, because the bank put a hold on my account, and closed off my savings as my overdraft account, they caused my checking to have NSF. Then they charged me NSF fees for something they did. How do you penalize, and steal from hard working people who need their money. I can see if the money was n't in my accounts, but to do intentional damage to your client ; and, then penalize them for your actions in wrong. I pay my bills online, because I work long hours ; and, to be told you ca n't get any money via the ATM, and you ca n't use your ATM card is wrong. I work hours that exceed normal bank hours ; and, it 's wrong to penalize hard working, law abiding citizens ; and, then justify stealing their money because of a hold you placed on them. I have money in my account, and I want my money back for those NSF fees.
09/03/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 283XX	Web
XX/XX/XXXX at around XXXX XXXX I went to XXXX Carolinas State Employees Credit XXXX XXXX XXXX ATM at their branch on XXXX XXXX XXXX XXXX XXXX, NC to make a cash deposit with my checking account debit card ending in XXXX. I was in the passenger seat of a white XXXX a XXXX XXXX Traverse to be exact and there was a red SUV behind us waiting to use the atm my mother was driving and she done the transaction since she was closer to the ATM everything was going fine like normal until she put my cash in the cash deposit spot it acts like it's counting the money and says it's processing but it's taking a while then it says sorry we are unable to process your transaction so the cash deposit on the ATM Jammed up it was around $ XXXX {$150.00} I was trying to deposit everything that's jammed in the cash deposit spot on the ATM is mine. It did not deposit it into my checking account like it was supposed to and it did not give me my cash back. That was my bill money what am I supposed to tell the light company that I'm waiting on the credit union to deposit the funds they stole from me they do not want to hear that. Please help me I filed a dispute but they are not taking it seriously I feel as though I've been robbed.
11/27/2020	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NC 28625	Web
I have a difficulty with a purchase made from XXXX XXXX through " XXXX ''. I bought a ticket ( On XX/XX/XXXX ) with the date I needed but in less than a month of my trip I receive an email saying that the trip is no longer enabled that I have choose another date. But that is not possible for me since it was necessary to travel that same day, in addition to other connecting trips that I already had scheduled. I call the agency and they tell me that there are no more options, so I decide to ask for a fair refund of my money. The next day, XX/XX/XXXX, I receive a new email saying that my return is not possible. That I must communicate directly with the airline " XXXX '' but since that day I have tried to access communication with them and it has not been possible. I filled out a refund request from their page and so far I have not received any response. I feel that I have lost my money and it does not seem fair to me since I had to buy a new ticket even more expensive than the initial one. I go to this option to help me from my bank to recover the money. I attach a photo of the emails received. In the last screenshot you can see that my reservation is stoped and they haven't done anything so far.
12/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 284XX	Web
I was a victim of a scam from a company I though I was hired for. I was sent a company check to deposit for expenses in the amount of {$1900.00}. After I deposited the check on XX/XX/22 later that day I recieved a call from the bank with no message. I called back and they told me it was about the check. They said the check was good to disregard the call with no other details. About a week later I received a letter on XX/XX/22 that was dated XX/XX/22 that the account connected to the check I deposited was closed and my account was debited the {$1900.00} plus a {$5.00} return check fee. I called the bank where the check was deposited regarding the letter. I spoke with a bank manager and they told me it was miscommunication and they apologized, but I had already sent out {$1500.00} of the check to a lawyer for expenses for the lease of a new location in my region of NC. If I was notified by the bank on XX/XX/22 that the check was no good I wouldn't have sent the {$1500.00}. My grievance is that why didn't the bank inform me that the check was no good on XX/XX/22 instead of mailing a letter that took a week meanwhile I had already sent the {$1500.00} out. I have corresponding documents if needed.
02/12/2017	Yes	Bank account or service Checking account	Using a debit or ATM card	NC 28602	Web
In XXXX, there was confirmed identity theft using my State Employees Credit Union checking account with XXXX transactions of {$97.00}, {$69.00}, {$89.00}, and {$2.00}. All were resolved by the credit union. The amount for XXXX XXXX {$2.00} was identified by the credit union fraud prevention representative as a strategy to prepare for a larger withdrawal at some point in the future. I was told that it was identified and secured so it would not happen. I completed all credit union 's recommendations at that time. On XX/XX/2016, a transaction in the amount of {$1400.00} was drafted from the Credit Union checking account to XXXX XXXX. I did not notice the transaction at the time, as I was between employers and received my final payout from prior employer along with first paycheck for new employer. My concern at the time was my wife 's health, twice XXXX XX/XX/2016 along with XXXX Emergency Department visits. I also was caring for my XXXX son and one month into my new employer. I did not discover the fraudulant activity until XX/XX/2016 while completing federal income taxes. The State Employees Credit Union has refused to return the funds due to timeframe when reported, despite their error.
11/09/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27278	Web
On XX/XX/2018, my account NCSECU North Carolina State Employee Credit Union withdrew {$410.00} from my checking account ending XXXX for payments missed in XX/XX/XXXX. This caused several items to be overdrawn and several returned check fees acquired on my behalf. I was never notified of this transaction prior to it being processed an was told by XXXX XXXX XXXX XXXX XXXX officer that the transaction was made due to the funds being available. Upon investigation the amount being auto drafted was changed 3 times by State Employee Credit Union in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. These actions were erroneous and cost me the lender. I visited several branches and made several phone calls hoping to negotiate a payment plan, have my funds returned to my account, and have the return check fee paid on the banks behalf because these insufficent funds were not due to my actions. I was denied and the loan officers were unwilling to negotiate because the fee was already collected. I am contacting your office in final attempt to correct this error. Please contact me should you require any further information regarding this manner. Thank you, XXXX XXXX XXXX
12/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	NC 284XX	Web
My credit card with NC State Employees Credit Union expired on XX/XX/XXXX. I did not receive a replacement card in the mail so I have been attempting to get a replacement card on three separate occasions but to no avail. In XX/XX/XXXX, I went in person to a branch in XXXX NC and inquired about my replacement card. I was told I would receive a new card in 1-2 weeks. In XX/XX/XXXX, I asked a teller at drive thru about getting a replacement card during a visit to make a deposit. I was again told, the teller checked it and I should receive a new card in 1-2 weeks. In XX/XX/XXXX, I went online to the NCSECU Website to request a replacement card and the Website response was I should receive a replacement in 1-2 weeks. I have also verified my account has the correct mailing address. At no time was I informed I will not receive a replacement card or received any notification of account closure or cancellation of my credit card. My account is paid in full with a XXXX balance. The SECU is denying me access to credit in which they have approved. At no time have they notified me or issued any disclosures that they were closing or cancelling my account.
04/11/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	NC 285XX	Web
We applied for a HELOC through the State Employees Credit Union. During the process an appraisal had to be done on the home. The Credit Union initiated an automated valuation at no cost. The appraisal was XXXX. My wife and I opted for a full appraisal at a cost of XXXX because the automated valuation did not take into considerations the upgrades that we had done to the home. To our dismay the full appraisal came back XXXX. Our home was built in 2008. The homes the Appraiser used as comparables homes that were XXXX to XXXX XXXX XXXX with other homes similar in age and structure were available. This significantly impacted the outcome of the appraisal. When I spoke to the person handling the closing of the HELOC she was stunned as well that the full appraisal came in lower than the valuation. We disputed the appraisal and provided comparables for the appraiser for him to consider. The appraiser stuck with his initial results. As XXXX homeowners My wife and I feel the choice of choosing properties that were XXXX years when newer similar models were available was intentional and adversely impacted our property value.
08/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 32119	Web
To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU. I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28112	Web
Upon reviewing my credit profile on XXXX, I discovered a discrepancy with an account listed under State Employees Credit U. I immediately requested validation for this account, as I had no recollection of opening it. Subsequently, I reviewed my credit report again on XX/XX/, and to my disappointment, the account still appeared on my credit report. Despite sending a second validation request on this day, I have not received any correspondence from the creditor validating that this account is rightfully mine. As of today XXXX, there have been no updates to my credit report, and the disputed account is still having an adverse impact on my credit score. I strongly believe that the account in question does not belong to me, and that the creditor does not have any authorization to access or collect on it. Therefore, I kindly request that the credit bureaus remove this account from my credit report until adequate validation has been provided, proving that the account belongs to me and all the information is accurate. Thank you for your assistance in resolving this matter.
03/05/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NC 27410	Web
o I am a member of SECU my name is XXXX XXXX. I have a concern with a change that has been made within the bank that is affect me personally. Something like the salary advance loan that you have, I use about 3 apps that use XXXX to connect banks in order for me to advance some funds until my next paycheck. With covid & with my children this helps me to a MAJOR extent so that my children and I are not without. I called to speak to someone about it & she was very nonchalant about the situation as if we are not in the middle of pandemic and peoples hours arent cut short, like we cant use all the help that we can get. Im sure I can not be the only member affected by this change. So now my next paycheck Im going to be losing about {$300.00} dollars that i wont be able to get back because of this XXXX policy. With this change are you all planning to help customer who experience a loss in situations or you all just dont care??? Im confused Ive always trusted a credit union no notice of this change or nothing so I couldve known not to advance. It is very much an inconvenience!
07/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 27519	Web
I received a vehicle loan for a XXXX XXXX XXXX from NC State employees credit Union in XX/XX/XXXX. After receiving the loan ( and vehicle ) the bank had issues with sending the title to the DMV. They told me it was lost in XX/XX/XXXX so I was never able to register the car. The original seller notified me that the bank did not send the title to the DMV but instead returned it to the seller. The DMV has returned payments to me for highway use and also the title application, which are proof they never received the documents from the bank. When I spoke with the bank they advised they wont do anything since I agreed to the loan. At this point I do not have the vehicle since the original seller was able to come with the police and retain possession as it is still in their name. I have paid over {$1000.00} towards the loan for this vehicle and I am still responsible for a remaining amount over {$10000.00}. I believe NC SECU should cancel the loan and return my loan payments as their negligence with the documentation has led to me not having the vehicle.
05/24/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27613	Web
On XX/XX/XXXX I became aware of fraudulent activity with my primary checking Visa debit card. I reported it to my bank, the State Employees Credit Union/SECU, and cancelled the card. I followed up on Monday, XX/XX/XXXX, after the two fraudulent charges posted to my account. I was assigned a support case number but told it would take ten business days to refund the money. In any case my liability would be limited to {$50.00} as I reported the fraud less than 24 hours after it happened. There were two charges, {$370.00} and {$390.00}. I waited ten days and contacted them again on XX/XX/XXXX. They said they had no record of my having reported anything even though I had an email acknowledging it and assigning a support case number. The woman I spoke with said I would have to start over and wait another ten days. I spoke with her manager and he refunded the money that day. On XX/XX/XXXX they reversed the credits and took the money back out of my account. The person I talked to said they had investigated and decided the charges were valid.
08/07/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28613	Web
I took my initial home loan with the SECU in NC in XXXX for a foreclosed home. In XXXX, I refinanced the loan to keep the rate low, and again bought down the interest rate in XXXX to keep the rate low. This ability to buy down the rate was used as a selling point by the SECU to convince me to obtain this loan through their institution. I was never notified of any changes to the practices of the institution in writing regarding the ability to do this. I inquired about buying down the rate again in XXXX of XXXX as the rate will increase, to which I was told the SECU no longer performs or services these loans as they no longer offer a XXXX year ARM. I asked about options for the loan and was told I would have to go through the entire mortgage process again to make any changes or attempt to modify the rate on my loan. I feel this is a direct attempt to manipulate my loan to obtain a higher interest rate and lead to increased revenue by the company. I was misled and was not notified of the change in advance in any writing by the company.
02/15/2017	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	NC 27804	Web
I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27107	Web	Servicemember
I previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the XXXX XXXX XXXX as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.
05/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	NC 27502	Web
In late XXXX, I received a bank statement that showed XXXX XXXX of dollars in charges. These charges were from Ohio, a state that I have never lived in, nor been to, nor know anyone from. Examples of some charges would be places like XXXX, and XXXX, which I do not use. I work, and reside in North Carolina. There is no chance that the charges could have been me. As soon as I saw charges such as these, I contacted the North Carolina State Employees Credit Union, which I use. They found that the charges added up to {$11000.00}. They started an investigation, and reimbursed me the money, on " credit. '' I have not touched any of the money I have received. On XX/XX/2023 I received two letters in the mail, sent on XX/XX/2023, one stating that the credit may or may not be reversed, and another stating that they had found insufficient evidence to support a viable fraud claim, thus I assume, planning on reversing the credit, and taking the money stolen from me, out of my account, and closing my case.
04/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27616	Web	Servicemember
I received a credit card from state employees credit union when i was a college student. At that time when i was in college i was poor and had a poor knowledge of how credit worked. I grew up in a family where financial literacy was not taught and they affected my knowledge and ability of how to utilize credit and pay it back. So while i struggled to pay the interest payments back i got behind and couldnt keep up. Once i got behind on the payments they closed my credit card. I fell on hard times and lost my job so i couldnt make the payments they wanted me to make so they closed and charged off my debt. I called to initiate a settlement and or a cheaper payment but they would not accept it. And after they wouldnt accept it they placed a negative remark on my credit profile and that negative remark has effected me for years to get an apartment in nicer places and from getting a decent interest on a car. I feel i have suffered long enough especially since I have tried to settle with them.
02/10/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 288XX	Web
State Employee Credit Union mistakenly issued XXXX debit cards in my wife 's name on our joint checking account. She lost one of these cards but did not realize it because she still had another working debit card. Fraudulent charges were made on her card. We filed a dispute. SECU did not notify us of their response within 13 days required by the Electronic funds transfer act. SECU did not provide us with provisional credit required by the EFTA during their investigation. SECU took 60 days to investigate. SECU did not provide the documents it relied on to investigate the claim as I requested pursuant to the EFTA. SECU refuse d to return phone calls, refused to provide account information about what happened during their " investigation ''. SECU state son its website, and on the mailer when we receive new debit cards that it will notify us of any suspicious or irregular activity. Despite obvious fraudulent activity, SECU never notified us of any suspicious charges.
08/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NC 273XX	Web	Servicemember
I have been paying the North Carolina state Credit union XXXX XXXX balance but I can not use my credit card. My online status states revoke. But they are charging interest and I have a saving account with money in it. Would that not be collateral. They did not offer me anything. Why can my credit card not be reinstated, especially due to the Covid pandemic? I am making payments. I do not receive a mail-in bill for the credit care statements. Also when I go online it wants me to sign up for paperless. I never received a credit card bill. Please advise. Current Balance : {$2800.00} Credit Limit : {$4000.00} Available Credit : {$1100.00} Last Payment Date:XXXX Last Payment Amount : {$170.00} Annual Percentage Rates Purchase APR:7.75 % Cash Advance APR:7.75 % As of the Last Statement : Next Payment Date:XXXX Minimum Payment Amount : {$0.00} Last Statement Balance : {$3000.00} Amount Past Due : {$0.00} Days DelinquentXXXX YTD Interest Paid : {$170.00}
08/27/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	SC 29707	Web
I got a salary advance loan from The state employees credit union in XXXX North Carolina in XXXX being that I paid my old balance off from XXXX so they say. They are still reporting that I owe them {$140.00} but in XXXX I receive more than one advance which was paid in full every time they will not give you another loan if you owe them money. When I reached out to someone today at the bank he told me that he would direct me to XXXX the district manager of the bank but he never called me so I spoke to XXXX and emailed him to let him know whats going on he called me back saying that My loans were {$300.00} but that was incorrect my loans were only XXXX $ The bank took {$20.00} of the XXXX witch left me with {$180.00} I dont know where he got the extra XXXX $ from I feel that they are trying to scam me out of more money and I need someone else to look at this before I pay anything because they making my credit look bad on purpose and they know it
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27215	Web
On XX/XX/XXXX, I submitted an online dispute with XXXX XXXX XXXX regarding a credit card account from State Employee 's Credit Union of North Carolina ( SECU ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). Recently, SECU, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prove otherwise. I contacted my Bankruptcy attorney. He informed me that SECU has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. For once, I would like SECU to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.
03/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28277	Web	Older American
Ok, I open a line of credit with NcState Employee Credit Union I refinance my loan and put my car in the loan which was {$4000.00} and also my credit card I have with them with a limit of {$5000.00} I also paid off 2 other credit card bills which they applied to the loan also, so with that and interest amount add up to {$23000.00} it was open back in XXXX XXXX and was close and charge off in XX/XX/2023 I try my best to keep up with the payment and in the middle of covid i was affected and default on the loan I am on a fix budget from social security XXXX so every month I was paying {$550.00} so they charge it off and put it on my credit all 3 agency, So please I am asking for help to remove if its possible I could not see the account number on my report but if access it is very noticeable I try all I could The Bank is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX
01/06/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 28216	Web
In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.
11/21/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	NC 27703	Web
The following amounts were charged on 3 separate days ( XXXX ) but XXXX waited until XX/XX/2023 to post the charges from lowest to highest by manipulation of the bank backend code, to hopefully cause the account holder to overdraft and be able to charge fees for each overdraw, but the total balance was XXXX which left XXXX, I checked the account on XX/XX/2023 and it was missing another XXXX. Leaving XXXX in the account. They are intentionally deducting money from accounts to induce overdrafts that can be charged, and if the " Deductions '' are in error account holders will dispute, and they reverse BUT the bank still gets to report the erroneous fees in " Income ''. See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ______ XXXX
05/08/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28212	Web
THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.
10/30/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28590	Web	Servicemember
On XX/XX/2023 I called into NC State Employee Credit Union at about XXXX XXXX to order a new debit card because I had lost my debit card. I had to wait about 7 to 10 days to receive my new debit so I didn't receive it until about XXXX XXXX. On XX/XX/2023 fraudulent chargers came through my account that total {$320.00}. I immediately called the bank and spoke with someone and ask how did this happen. I was told that my old debit card was not cancel out properly and My old card was link to my new debit card. I just got this new card so I had even use it so I was very frustrated that I have to deal with someone else mistake by disputing the charges and waiting 10 days for the bank to investigate all because of their mistake. This was not fair to me. I asked to speak with a supervisor and the lady decline. Checking Account PROBLEM : Unauthorized Transactions
11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 280XX	Web
I was alerted by a bank I am in the middle of securing a loan with that State Employees Credit Union has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my XXXX and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in XXXX. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
08/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27610	Web
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE
08/25/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27610	Web
Once again I have received a letter in the mail from SECU. now all of a sudden my car note is a month behind. When I have my car payment set on automatic draft. On my paydays on the last day of the month before my check is deposited into my account my car payment of {$220.00} is deducted out of my withholdings before I even get my paycheck. For the month of XX/XX/XXXX they refused to take a payment. And knowingly refused to advise me of the situation until XX/XX/XXXX surprisingly that happens to be the same day I got a letter about my account being closed. Which is nothing but retaliation from my complaints to the CFPB. Now they expect for me to make a double payment on XX/XX/XXXX this is totally unprofessional. I have reached out to the credit union and have not been answered yet. I demand answers I will not let this go any further than it already has
06/30/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	GA 30238	Web
I was scammed out of {$4500.00} on XX/XX/2021. I have contacted NCSECU XX/XX/2021 and they told me it was nothing they could do about it, denied my case for fraud and told me to contact XXXX. I called XXXX and they said that I would have to contact my banking institution and that the bank should be able to refund me my money. I called the bank back and told them exactly what XXXX told me. They told me to call XXXX back to see if I could get an email with the resolution to the call. I forwarded the email from XXXX to NCSECU card fraud department on XX/XX/2021 and was told that i should hear back within 3-5 business days. Here it is XX/XX/2021 and I have YET to hear anything back and EVERY TIME I call I get told that the advisor over the case ( XXXX XXXX ) is waiting on his manager to sign off on it. It has been a total of 21 days with NO RESOLUTION!
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 275XX	Web
On XX/XX/XXXX my husband, XXXX XXXX and I paid off a debt owed to the State Employees Credit Union XXXX NC branch ( account XXXX ) in the amount of {$1800.00} that was showing on our credit. They wrote us letters stating account balance was paid in full. They then reported on credit bureaus that the account was written off and as a repossession which is incorrect as this was during COVID that we could no longer afford vehicle and spoke to XXXX XXXX about this at the XXXX branch in XXXX Nc and she stated because of COVID and the laws with COVID this would not be reported as such because of financial hardship during that time. Now it is paid in full but they are reporting it inaccurately on mine and my husbands credit report which is causing harm to us financially and we were mislead by XXXX about how this would reflect on our credit file.
02/25/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27587	Web
Ive been working on medical bills issues with Covid and now another health issue and more out of pocket expenses.. State employee credit union is playing games with me and has single me out from the rest of their members.. Ive talked with one member as the pandemic is ongoing.. In 2019 around XXXX I went to the XXXX XXXX XXXX had XXXX in XXXX bills asked for XXXX XXXX in tens XXXX in fives and XXXX in ones. I didnt count the money.. I then handed over to a store owner.. Later that day got a call from credit union that I was giving to much money in fact I was given XXXX in fives and to turn in the transaction.. I told the credit union that the money was given to store owner .. months and yrs to follow I have received letters affecting me my mortgage ect.. I have every letter that was sent and would like help with this on going issue
04/02/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27545	Web
I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.
05/29/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 240XX	Web
On XX/XX/28 XXXX charged my account for {$51.00}. I did not authorize this charge. I talked to the company in a chat and they said they were unable to help and to call another number. I called my bank and they told me they were going to charge me {$8.00} to fix the issue. Why am I being charged to correct an issue I didnt authorize? It makes no sense how they can be like we will only try and get your money back if you pay us a fee.Any other bank would have just fixed the issue. They keep nickel and dime me every second they get. The lady told me to call back during regular business hours if I want to try to get the fee reversed. They love to make people jump through hoops and then not take care of issues.Now I am going to have to open a new bank account so I dont have to worry about charges coming through that I didnt make.
06/27/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 275XX	Web
On XX/XX/26 when going to the XXXX bank, I noticed that my account was incredibly low on funds. I noticed in my checking account that {$4900.00} was removed to my account from a XXXX XXXX. I knew something was right as I don't have a XXXX XXXX account and the amount was too large. When I entered the bank, I immediately informed a person at the desk about my situation and told me that I was a victim of fraud. They were able to give me the individuals name and was able to have the XXXX get onto an investigation while also freezing my account. The individual was able to gain access my checking account, place in a small amount to tell if it was an active account and then remove a hefty sum, some of which was removed from my savings via overdraft. I filed a police report, and created a new checking account and debit card.
10/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NC 27537	Web
i did a dispute with my bank and they denied it so i did it again and never herd back from them. i have written to them and nothing back.so someone used my XXXX XXXX and took {$2000.00} from my bank account i don't know who they are or why this even happened or how and my bank gave me my money back but then a week later reversed it and took my {$2000.00} again when i told them my accounts had been hacked with my debit card all they did was send me a new card and no refund me my money that i never took from someone else i don't even know the person that did it or anything about those {$2000.00} but they took my {$2000.00} that i worked for very hard for that's almost my whole check for the month. thanks for your time hope i get my money back i have had so much fraud done in the last 6 months it's ridiculous
01/07/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28214	Web
State employees credit union gave me XXXX to buy a car the car have engineers on the same day I bought the car and I asked the bank to cancel help me was not been done and in couple months the engine broke done. State employees bought me other {$13000.00} to buy other car i couldnt keep pay for the car the motor got bad. Im still making a payment for the XXXX and my credit card. The XXXX is though by accident the insurance pay off my bank. Im making my payments on my credit card and my car on time. The first car was charged off The second car will be paid full but I cant buy other car was denied by credit union My credit is freezing still I tried to remove negative things from my credit report Ex : I had 3 social security on my credit report Different names also. I need a help please
10/19/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 27103	Web
My named was forged on a document that was never presented to me and the original I applied and received the loan for my car. I wasn't behind on my payments nor was I behind on my insurance. I had also found out the that said document was illegal here in North Carolina. I had lost my job also picked up and new aliment and I have been out of a lot of money cause now I have to pay for rides and delivery fees for the things that I need i have bee fighting this issue for a year. I also believe that they forged papers to steal my mother 's house from her also. My family and I would like help in getting justice from this bank I also have said documents on my person as well. I have a whole lot of documents and proof to send but the system will not let me send them all at one time.
06/15/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NC 27704	Web
I have been scammed out of my money when I was promise services I never received. I have contacted the back to tell them that services was never received and to mark the transaction as fraud. The have refused to do so. I had a verbal agreement for services from this so called XXXX agency to promote my new business and this person con me out of XXXX $ I have all the evidence to show the agreement I have requested cash app cancel it they said no I have requested the funds back from the scammer as well and they declined now Id like my back to mark it as fraud especially they just sent me a letter saying that my card information was hacked so how is all this not fraud. This person is pretending to run an advertising company and its a lie this is fraud we had a verbal agreement
06/18/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 286XX	Web
Back in XXXX, my wife and I joined our checking accounts at SECU in XXXX, NC. I have an autodraft loan of XXXX a month. I was told then that the autodraft would transfer over to the new checking account. It did not. In XXXX I was debited XXXX for a missed payment in XXXX and for XXXX. I did NOT recieve a call or letter notifying me of a missed payment. I called and was explained everything and I requested the EFT be set up. I was told it would be by the bank. Today they debit XXXX again and was told the same thing, missed payments. Nobody called me and I did not receive a letter about my missed XXXX payment. I was told they see the EFT is set up now since they auto drafted 2 months of payments and was told there was nothing they could do as far as the extra amount.
04/26/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 275XX	Web
I received a text this morning from # XXXX stating they were SECU ( my bank ) and that they were alerting me to an unauthorized charge for my card ending in XXXX. They informed me to call XXXX to discuss with an agent. When you call the number you are provided with the exact greeting you get when you call SECU. An individual answered the call and asked me for my card number so he could look up the charges. I hung up and then looked on my banking website. There were a total of about 20 charged ( some attempted at {$0.00} ) starting late XX/XX/21 into XX/XX/21. Just wanted to pass this information along since it was unnerving how much the prompting sounded exactly like the real thing! I have contacted my bank directly to inform them of this. Thank you, XXXX
08/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 11.25 % yearly.
08/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 10.75 % yearly.
10/28/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NC XXXXX	Web	Older American
On XX/XX/2019, I made a payment in the amount of {$72.00} to XXXX XXXX in North Carolina. The next month I received my monthly statement. Billed date XX/XX/2019 the previous amount is still showing on my statement {$72.00}. The payment box is XXXX. No payment of {$72.00} from the last month. I go ahead and make from another bank {$130.00} {$72.00} plus {$62.00}. Thinking that I had already made the payment I research and find that I made the payment the prior month in the amount of {$72.00}. I call XXXX and SECU to try and resolve this issue and have not been able to resolve it. I was able to talk to SECU personnel in XXXX to give me the information needed which is attached. However, the local bank has yet to resolve or consider any resolution.
04/24/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	GA 30318	Web	Servicemember
The Loan was a Salary at NC State Employees credit union and according to them the loan charged off XXXX XXXX and they sent to collection as charge off XX/XX/2017 and they could not provide any proper documentation of when I paid they told me they scrubbed my account. Only after relocating Georgia I not only did not receive any type of correspondence Banking at new address informing of loan balance was owed. They did not report to three credit agencies for months then started reporting back XXXX. I have repeatedly asked for them to removed due to paying prior to charge off. I have been deployed total and XXXX XXXX XXXX and divorced since debt and survivor of XXXX. Please have them sent documentation to support their report or removed completely
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27518	Web
On XX/XX/XXXX I received a letter from the XXXX loan servicing center. The letter states that they received my complaints, but this is the first correspondence that I have received from SECU regarding the issue. The letter states that signatures on promissory notes match the signature on the license. The also state that public records show a change of address from XX/XX/XXXX. The did not provide copies of the promissory notes or license. The advised that I have a SECU account which is inaccurate. When my identity was stolen, the person who stole my identity also stole my license. The same person signed the promissory notes replicating the signature on the license. SECU also did not provide copies of the documents that they claim to have.
08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20148	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
I am writing to NC STATE EMPLOYEES with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
09/05/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 27704	Web
I tried sending money to a friend on XXXX XXXX XX/XX/XXXX and it was sent to the wrong user both the user and my friend had the same name. The only verification needed before sending funds was that my finger be on the button. I noticed it went to the wrong Person when i got the request from the right person. But by the time I Realize what was happening it was too late. I tried emailing the company but their customer service did a awful job answering my questions. Both me and my friend emailed back-and-forth with the company and they gave us both a different answers. Both me and my friend emailed back-and-forth with the company and they gave us both a different answer. Also the customer service I was talking to a robot not a human.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave State Employees Credit Union WRITTEN INSTRUCTION to report information to the credit bureaus.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28262	Web
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''. Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my wet signature nor gave State Employees Credit Union written instruction to report information to the credit bureaus.
12/29/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC XXXXX	Web
I filed my first dispute XX/XX/2020 against XXXX XXXX My {$32.00} dispute was denied. I can not pay {$32.00} let alone an overdraft charge as money is limited during the pandemic. Also, when asked why it was denied the customer rep, replied, It was and that you people and hung up. This treatment is XXXX. I am going to file another suit. Then hours later Tuesday, XX/XX/2020 when I told NCSECU rep I was contacting corporate NSECU rep said they sent me something in the mail that I never received. Thats a lie. I want my {$32.00} returned. I deal with discrimination from SECU and now lies and fraudulent behavior. I am XXXX. I have since filed another case for this same disputes today, Tuesday XX/XX/2020. No response given.
07/20/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC XXXXX	Web
I reached out to my bank in an effort to provide my family with a home to live in. I thought I would request the bank to lend me the amount of XXXX. The monthly payment would be less than the payday loan they were providing me with until I closed the account because it had a negative effect on my credit report according to a reporting agency it was showing not on time. The North Carolina State Employees Credit Union and the members board turned me down. How can you approve a loan that would average out the same amount if I would have continued to borrow payday loans for a full year. The payday loan does not have any resale value if I decided to default on the loan as a home would. Thanks, XXXX XXXX
01/18/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28054	Web
I went to the atm outside of the XXXX on XXXX XXXX in XXXX NC on XX/XX/XXXX at XXXX to do a Cash deposit. The machine took the {$200.00} but failed to give me a updated balance receipt. The error message said the atm can no longer accept cash deposits and that my transaction had been declined. I went to the bank the next day to speak to them, the teller XXXX XXXX was unable to properly assist me as she asked the teller manageXXXX for assistance. She came back to tell me she would file a dispute that may take up to 10 days and that I needed to agree to this statement in order to get my money back. I refused and asked to speak to someone else and she replied the answer would be the same.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
I am writing this complaint to Nc State Employees C. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web
I am a victim of identity theft. I have contacted this company XXXX XXXX XXXX XXXX ) now in collections with ( XXXX XXXX XXXX ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. XXXX XXXX XXXX only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done State Employee Credit Union will not remove the account as well.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NC 287XX	Web
SECU refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to SECU - and get zero recognition of that fact. I have attached our most recent mortgage statement that does show that I am actually the primary on the account. SECU claims that since I filed XXXX XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NC 27603	Web
I previously sent a letter to NC State Employees Credit Union, to let them know that I was a victim of identity theft and I also attach a police report and an FTC report to my letter that I sent to NC State Employees Credit Union. In their response letter they sent me back NCSECU said that after careful review of this dispute we are unable to investigate this claim at the time as the credit union has determined that your letter has originated from a credit repair but I'm the one who actually sent the letter to this company and no one else or any other company helped me out and the letter I sent them wasn't drafted on a form supplied by a credit repair organization.
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27529	Web
InXX/XX/XXXX, we traded in a vehicle that had been financed with NC SECU. Despite that, they reported our loan as delinquent from XXXXXX/XX/XXXX, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked SECU to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.
04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27704	Web
I recently sent a letter to NC State Employees Credit Union, to tell them that I was a casualty of data fraud and I additionally join a police report and a FTC report to my letter that I sent to NC State Employees Credit Union. In their reaction letter they sent me back NCSECU said that after cautious survey of this contest we can't examine this case at the time as the credit association has confirmed that your letter has started from a credit fix however I'm the person who really sent the letter to this organization and nobody else or some other organization got me out and the letter I sent them wasn't drafted on a structure provided by a credit fix association.
07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28412	Web
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
07/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NC 27215	Web
I enrolled in a service called XXXX XXXX which is a payday loan service. The problem that I am having is that they partner with my bank but my bank sometimes partners with them and sometimes they do n't. For example I was able to enroll my bank with this service but then in the middle of the service my bank is no longer a partner with them and then I am unable to use active hours. The bank that I use is the North Carolina State Employees Credit Union. This when this happens it puts me in debt with the company XXXX XXXX because they are no longer able to connect to my bank to withdraw funds owed to them or deposit funds I make request.
09/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27320	Web
I sent out a letter on XX/XX/2021 with my ID and identity theft statement as well as a police report for an account someone took out fraudulently in my name. SECU failed to remove it. I called to ask why and they said it is correct but it is not. I also have never lived at the address they are saying I have and I provided that proof as well. I also called the credit reporting phone number XXXX and was not given any help by XXXX or XXXX. I had to ask for the supervisor. I was transferred to XXXX and he disconnected the phone line. I have not been able to get help since and they have seemingly blacklisted my account so no one provides help.
09/03/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27610	Web
I got my tax refund and my stimulus check and XXXX XXXX XXXX XXXX sent it to my bank account that was no longer accessible they closed it because I owed money. And the bank took my tax refund and stimulates check for the economic relief. How if possible can I get this money back? The irs sent it to XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX sent it to my closed account. I had called them before hand and explained that my account was closed and asked if it was any other way I could get my funds without them sending it to that account but they said it was nothing they could do. So the bank just took the money because I was in the negative.
09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27587	Web	Servicemember
I have reached out to both State Employees Credit Union and XXXX to correct the status and reporting history of a previous Visa account. SECU is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from SECU that the account was indeed charged off on XX/XX/16 and provided this to XXXX. XXXX is stating that when presenting this documentation to SECU, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
08/16/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	NC 289XX	Web
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. They assumed this role without permission not only that you did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, unfair, and was partial. They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place. What I am requesting is that you guys delete all of these accounts off my report. Thank you!
04/06/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 27591	Web
I had lost my card, I received a call from the bank fraud stating " Did I know that there was activity happening on my account. '' I told them no I didn't know and I looked on my account and seen unauthorized transactions and realized I had lost my card at this point. I was told I had to go into the branch to file a dispute. I filed a dispute for the transactions and they told me they would do an investigation so I waited. I received a letter in the mail stating that they conducted there investigation and there was insufficient evidence to support the fraud claim so they closed the case and DID NOT CREDIT my account back.
10/22/2015	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	NC 28144	Web
I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.
01/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	SC 29650	Web
I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 285XX	Web
STATE EMPLOYEES CREDIT U- Account Current Balance XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- XXXX XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : XXXX XXXX XXXX XXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX-Account Current Balance : XXXX XXXX XXXX XXXXXXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
06/19/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28213	Web
My ID and debit card were stolen. After being stolen, the thief deposited a fraud check into my bank account, after depositing the fraud check, the person then had access to view my balance. They then went to multiple retail stores making large purchases back to back. I disputed this with my bank ( State Employees Credit Union ) who denied my dispute stating that this wasnt a viable fraud claim. State employees did not do a thorough investigation if they had then they would know this is fraud. They failed to verify my identity when the thief went to the bank with my ID and was allowed to access my account.
09/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IN XXXXX	Web
From XX/XX/XXXX - XX/XX/XXXX, there were 29 fraudulent charges that were allowed to deplete the funds in my account. The amounts range from {$.00} to {$350.00}. The credit union failed to notify me of any suspicious activity. The credit union failed to block my card. The credit union failed to take any steps to protect my funds. These are obvious fraud charges because of the amounts, the frequency, and the location of the transactions. The transactions were completely outside of how my debit card is used. I am expected to wait up to 10 day for an investigation to be completed before my funds are returned.
09/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28115	Web	Older American
Unauthorized transactions started around XX/XX/XXXX and the charges to the debit card cleared all funds from the checking account. As the checking account was cleared, the bank pulled funds from savings to cover charges in result cleared the savings account of its funds. The total charges vary from the checking and savings account amounts. There were several gas station and XXXX purchases : XX/XX/XXXX {$390.00}, {$270.00}, {$510.00}, {$50.00}, {$60.00}, {$60.00}, {$60.00}, {$65.00}, {$80.00}, {$22.00}, {$9.00}, {$660.00} The bank stated they did an investigation and will not refund the missing funds.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 287XX	Web
I have sent 2 certified letters to state employees credit union requesting documents on this account which I am aloud to do and legally they have to provide. I have requested proof of all payments up to the said balance, a contract bearing my signature, proof acceleration notice and opportunity to cure and post repossession notices were sent to me. Proof of amount the car was sold for was credited to account. And proof that the gap insurance check was credited to my account. I have given them over 60 days and requested twice. They are also reporting inaccurate information and data on my credit report
11/08/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28027	Web
Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy
11/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27893	Web
. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. Thank You For Your Consideration, XXXX
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27520	Web
I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD XXXXX	Web
Was in CH XXXX bankruptcy for 5 years. My mortgage was not included and I did not miss a payment. Soon as I was discharged they instantly reported that I missed my last 2 payments. I was not notified before this was reported on my credit. I called them and their researched determined this was a result of a payment missed when I filed for bankruptcy 5 years ago. I paid the past due amount within days of being aware of it. The bank will not correct the missed payments month/year on my report which means I cant qualify for refinance with another company until 12 more months, rates low now
04/15/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 272XX	Web
I have a decade worth of fraud on my checking and saving accounts. I have proof that my devices were all hacked ( mobile device management ) but I am not understanding why NC SECU didn't catch the fact that my account was spending money in 2 cities, 2 countries, 2 states at the same time for the last decade. Also, no one was checking ID 's because there were large withdrawals at branches that were not, and could not be me. This created a substantial loss of funds due to the fact my " hackers '' ( ex-friends ) were laundering student loan money not only for me, but for others.
12/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 27577	Web
State Employee Credit Union discriminated against me when I applied for an extension of credit yesterday on XX/XX/2022. They discriminated against me because of my credit history is what was stated to me by a lending supervisor even after I told her the negative items she was mentioning were due to identity theft and I could provide a police report. She still continued to inform me they were discriminating against me. I have attached the email I have sent to the company letting them know my federally protected rights that have been violated by State Employee Credit Union.
09/17/2019	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	FL 33772	Web
SECU in XXXX, NC has an employee named XXXX XXXX that stepped out of line with regards to my deceased father 's estate. She crossed the line of doing her job professionally into sticking her nose into two families ' businesses that has cost ALL of us a great deal of money. This is a complaint against both XXXX AND SECU for not handling what should have been a simple situation properly and for causing a tremendous amount of legal issues/cost that followed ( and is still going on ) because of XXXX 'XXXX inappropriate behavior. A complaint is also being filed through XXXX.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
This complaint is for STATE EMPLOYEES CRED, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
08/05/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30127	Web
My father has an account with the NC State Employees Credit Union. My brother was on the account as power of attorney. After my father passed on XXXX XXXX the credit union allowed withdrawals until XXXX. I became the executor of my father 's on XXXX XXXX the same day i came into the credit and asked why these withdrawals were allowed and what were they going to do about it. I was told they would have to look into it. After no response i also sent an email. After months i was told since i did not question this with in sixty days. there was nothing they would do.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27616	Web	Servicemember
I'm disputing State Employees Credit Union credit account # XXXX that's showing on my credit report incorrectly. Showing account is open and account has been close since XX/XX/XXXX, XXXX Credit report is showing a rolling 120 days late which is impacting my credit score and my credit impact. I have contacted State Employee and asked that they remove, and they have not. State Employee credit Union will not confirm the debt. The current amount owed on credit report is XXXX this impact my credit score and credit usage and affecting me getting home finance.
07/13/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27610	Web
My bank denied me a small loan to have my car repaired but yet they still are taking money out of my account and I have n't driven my car since XXXX XXXX 2017 ! They gave me the run around for 2 months I was promised help and did not receive it. I 've given them quotes and everything that they have asked for yet I 'm stuck with a car payment for a car that is not in my possession. And at this point my car is considered lost/ stolen because the tow company have seemed to " Misplace my car '' how do you misplace a XXXX I will never know
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web	Servicemember
I have contacted state employees credit union about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. They are in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
10/19/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NC 27312	Web	Older American
On XXXX XX/XX/2023, at approximately XXXX XXXX, my phone rang. Caller ID said " SPAM RISK '' so I did not answer. A voice left a message saying it was State Employees Credit Union calling to confirm unusual use of my card in the charge of {$940.00} to some insurance company. I DO NOT BELONG TO SECU, I DO NOT HAVE A CARD SPONSORED BY THEM. I called to tell them that -- XXXX -- and XXXX XXXX was unavailable but her machine would take a message. I told her to stop scamming people and that she ought to be ashamed of herself and hung up.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 271XX	Web
According to the fair reporting act state employee credit union account number XXXX. Has violated my rights. 15 U.S.C1681 section 602A states. I have the right to privacy. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Witch I have not written any intrusions for this account to be furnished. Also a dispute was filed informing them of laws broken and nothing was done but a update to my file witch I also didn't give me written consent to do so.
11/22/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	NC 284XX	Web
I believe the account is invalid. STATECU needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.STATECU XXXX
03/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28786	Web
North Carolina State Employee 's Credit Union recently started reporting auto loan to XXXX. Disputed missing payment history with XXXX and North Carolina State Employee 's credit union. North Carolina State Employee 's Credit union has submitted information to XXXX to update and information has not yet been updated. Seeking assistance so my credit report reflect 's actual and accurate up to date payment history. Actual payment history is attached with my XXXX credit report as an example of what should be reporting to XXXX
06/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28376	Web
I have contacted the bank multiple times about this issue that happened on XX/XX/XXXX where someone stole money from my card. They have denied my case twice even though I closed the card and I obtain a police report. There is no reason to not give me my money back. And they keep making excuses saying I need this or that or it's closed or something when it shouldn't take almost 2 months to give me my hard earned cash back. I was not doing this transaction and I thought it was an error at the atm I had went to the next day.
06/29/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 275XX	Web
I dealt with 1 loan officer, he put a note in computer for no one else to deal with me, no other branches of the same bank. He said I would be able to consolidate my debt into my mortgage, and refinance because with personal loan payment it was to high. He disappeared and no longer was at the bank, they said he moved to another location. The employees at that bank refused to help me. I did not have a phone or car and then covid happened and was told to shelter in place at home. Now they are trying to take my home.
08/09/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28120	Web
On XX/XX/2020 I was a victim to a crime. I was drove by the suspect to XXXX bank and the suspect forced me to go open a loan and to give them the funds after it was done. I then waited to file the police report due to my safety but then I found out that he was locked up due to other charges, so I pressed charges as well. Law enforcement added on these charges to the suspects file. Im in the process now of retrieving my police report. I want yall to note that this happened and it was totally out of my control.
04/07/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Confusing or missing disclosures	NC 27613	Web
The North Carolina State Employee 's Credit Union is adding a forced arbitration agreement to their terms of use, which covers many of the banks services, including online banking. The letter notifying us of this addendum to their terms of use included information about the possibility of opting out. Upon contacting them about the opt-out process, they informed me that I must write my own opt-out notice, and mail it XXXX XXXX XXXX XXXX XXXX Per Statute 1016.7 of the CFPB, this requirement is unreasonable.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27616	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
03/22/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27215	Web
I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27610	Web
This Credit Union of North Carolina State Employees to be exact is reporting old information. They have received the property back plus, charged off the account, and is still reporting on since XX/XX/2014. This account has been written off why is SECU violating me on this matter of still be compensated for an account that has been written off plus has received property back over 7 years ago. Please cease with the illegally furnishing allowing me to still lose on deals because of this matter
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE EMPLOYEES CRED U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. PLEASE REMOVE IMMEDIATELY
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20746	Web
In accordance with the fair credit reporting act State Employees Credit Union has violated my rights regarding credit card account ending in XXXX. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
09/20/2022	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NC 28390	Web
On Thursday XXXXXXXX XXXX I went to the State Employees Credit Union and applied for a checking account and wanted to try for a mortage loan. I was told I couldn't apply for eithier one because of a charged off account for a car i purchased for {$3300.00} through them 20 years ago. I was told from another bank that the account should not be able to pull up after 7 years. I am now XXXX XXXX XXXX and want to buy a house and the best route for me is state employee. Thank u in advance.
01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29016	Web	Servicemember
State employee Credit union XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 243XX	Web
I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
05/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 243XX	Web
I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 243XX	Web
I have received a copy of my credit report and it shows company XXXX XXXX XXXX/XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
01/28/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 275XX	Web
They never offered me anyloss mitigation or offered forebearance even after it was offered to other members. They refused my hardship. They've been really hard to deal with in that they won't wait for the mortgage assistance either. Also they talked about my foreclosure with my exes parents outside of my knowledge. Soliciting them to help me avoid foreclosure. Also they violated our member bank contract where they cashed checks out of my account that were not signed by me.
04/19/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 285XX	Web
I put the wrong account number for my first 2 stimulus payments which was 2 years ago. The IRS keeps saying the XXXX has it and has sent me paperwork saying as much stating it was deposited {$600.00} on XX/XX/2020 and {$1200.00} on XX/XX/2020 and they say they dont that the irs has it. I dont feel like the XXXX is trying hard enough to find my money and get it to where it needs to go. Ive been through the refund trace process with the irs and everything and still no luck.
12/25/2020	No	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27513	Web
On XX/XX/2020, XXXX {$65.00} from my checking account. This transaction was neither initiated nor authorized by me and I did not purchase anything from their website. In fact, the company does not have my current debit card number. Therefore, I do not understand how it obtained access to my bank account. I have contacted the company 's customer service and made it clear that I have no account with the company and that the debit from my account was the result of fraud.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28655	Web
In accordance with the Fair Credit Reporting act North Carolina State Employees Credit Union has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28117	Web	Servicemember
Received a letter in the mail informing me that my account must be paid in full or risk repossession and Account would go to collections informed the company that I could only pay that amount that would put the status into a 60 day late notice rather than be into a 90 day late status told her that was not acceptable so I traded the vehicle in the loan was paid off prior to being a written off debt status or collection was improperly listed on credit report
04/17/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 280XX	Web	Older American, Servicemember
XX/XX/17 Over the last couple of weeks I and many others have experienced problems downloading transactions from the NC State Employees Credit Union into XXXX. The error is a security error stating XXXX servers can not connect with the CU 's servers. When I contacted the CU all I get is that they have made some security changes and know that there are problems. No estimated date to fix. Sometimes the download is successful, but most of the time it fails.
01/27/2016	Yes	Bank account or service Other bank product/service	Problems caused by my funds being low	NC 283XX	Web
I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. Thank You
11/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 28173	Web
Promise to pay was made with my ex-wife on a card where she is primary and I am secondary. When ex-wife did not pay, there was no attempt by credit union to contact me about the debt. I have siunce paid the back owed amount and continue to pay the monthly to stay on track. Credit Union will not even talk to me about removing the hits from my report when I have been and was the one that stepped up to fix the problem - ONLY AFTER I was informed.
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 317XX	Web
I have submitted several disputes to the credit bureau XXXX XXXX and XXXX to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.
06/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30094	Web
I have a loan with STATE EMPLOYEES C U. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and STATE EMPLOYEES C U with no successful resolution. XXXX was thw only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 273XX	Web
In a response letter from XXXX on XX/XX/2023 from my compliant filed on XX/XX/2023, they mentioned that " we confirmed your charge off accounts are not reporting to XXXX '' when in fact they are reporting to all 3 credit bureaus : XXXX, XXXX, and XXXX. Initially, the charge off accounts were only reporting on XXXX. So are they incorrectly reporting to XXXX and XXXX? Should these charge off accounts be only reporting accurately on XXXX?
06/26/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NC 27713	Web	Servicemember
State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.
01/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27107	Web
A personal loan just appeared on my credit reports showing a delinquency date of XX/XX/XXXX. I have not done business with this bank in past 8 years. This information is inaccurate, and I request it be removed from all credit reports. My credit reports show a loan date of XX/XX/XXXX and amount of XXXX and a delinquency date of XX/XX/XXXX. Again, this just appeared on my report and is 8 years old according to the date they reported.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose
07/12/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 284XX	Web
The car was reported stolen then ended up being found but it can not be driven its totaledI ended up calling my insurance but come to find out I didnt have full coverage but I had the GAP insurance with the bank.I have contacted them about it but they did not resolve the problem at all I still have the remaining balance of XXXX dollars with no vehicle. I was paying gap insurance with the loan but I guess that doesnt matter
08/06/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28120	Web
On XX/XX/2023 at around XXXX I was at the STATE EMPLOYEES CREDIT UNION ATM at XXXX XXXX, XXXX, NC XXXX. I went to deposit {$1.00} into my checking account to make sure it works and it took it so I deposited {$1100.00} and the screen shut down and dispensed ONLY XXXX {$1.00} bills back which were the bills I had just put in but never deposited the money into my account and then the screen said no cash deposits at this time
06/04/2021	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	NC 283XX	Web	Servicemember
My name is XXXX XXXX I was in training for the XXXX XXXX of XXXX thru XX/XX/XXXX I arrived at my XXXX XXXX XX/XX/XXXX at some point in XX/XX/XXXX someone was able to get a second bank card for my personal account and withdrew a total of XXXX from a atm in Tennessee Im XXXX at XXXX XXXX North Carolina also I have never been to Tennessee they are still in the process of deciding where to get give me the money back or not
08/11/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 286XX	Web	Older American
My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.
10/16/2015	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27560	Web
NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
07/18/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	NC 27406	Web	Servicemember
I have been charged several NSF fees to my account and the transactions were declined by the NC State Employee Credit Union. One of the transaction was for my life insurance with the credit union. This charge was attempted twice and declined. I was charge the NSF fee both times. Can the credit union charge an NSF fee and decline the charge? I was also charged a NSF fee from the Company for the returned payment.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 270XX	Web
Payment made in the amount of {$1700.00} for Mortgage Payment. Bank returned payment XXXX stating account number inaccurate. Account number was accurate and ACH Department returned payment in error causing 30 day late payment for XX/XX/2022. Bank addressed error but it is still reporting late which is inaccurate. Documentation has been forwarded to credit bureau and late payment is still reporting incorrectly.
04/05/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 27587	Web
Had XXXX XXXX XXXX 2022 from XXXX XXXX got XXXX again in XXXX of 2022. I had the homeowner assisted program state employee didnt summit the amount pass due and to bring me current on my mortgage. Im still behind and my case is closed.. Homeowner assistance program closed my file.. Im behind 6 months getting letters from state employees credit union and denial letters. Im still not fully recovered from XXXX
09/28/2016	Yes	Money transfers International money transfer	Other service issues	OH 43085	Web	Older American
North Carolina State Employees Credit Union I have banked there since 2001. Recently, I moved abroad and often need to transfer/wire funds to myself. I was told XXXX performs that function for them. Until recently, the wire charge for XXXX dollars. This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. That is almost a TRIPLED charge.
03/17/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 27886	Web
XX/XX/2021 Money was taking from my account through the drive through teller without my consent after it was a conversion that I owed a balance before I could make a withdrawal, I was called the police and and humiliated in front of my mother. The company did give my money back but I suffer physical mental and economic deterioration from what happened and the slander and libel comments of negligence.
08/21/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	NC 27534	Web
Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you
11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 287XX	Web
There are 2 Visa Credit card charge-offs that showed activity month after month. According to the fair credit reporting act, the account should not show activity once it has been charged off. The repeated charge-off activity caused a decrease in my credit score each month. I have been denied credit due to this issue. I have tried to resolve this on my own, but have not been successful.
05/02/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NC 27529	Web
NC State Employees Credit Union is threatening to close my childrens checking account in retaliation for a loss they incurred on my personal loan. We twice completed paperwork to remove wife and I as co-owners some time ago but either they lost the paperwork or failed to process it. The accounts are solely funded and administered by our children for years since they left college.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 282XX	Web	Servicemember
XXXX XXXX I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY XXXX XXXX DROPPING XXXX POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT
11/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29707	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
11/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28786	Web
North Carolina State Employee 's Credit Union is reporting a auto loan on my XXXX credit report, which is not reporting correctly. Account shows paid on time for last 4 months. When it should be on time for the prior 2 years. Missing 2 years of on time payment history. Attached below is the difference in what is reporting to my XXXX vs my XXXX. Please report correctly.
01/20/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28112	Web
I had been reaching out to XXXX XXXX to see if I could get a payment plan started to pay off loan but they insisted on repossession my car instead of working with me and charging me unnecessary fees in regarding the loan and applied this loan to my credit report so that has put me in a terrible situation with me on my credit report when I dont even have the car anymore
07/30/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 347XX	Web
I made a payment via electronic transfer directly from my checking to the my mortgage account, ( Mortgage for XX/XX/XXXX) on Saturday XX/XX/XXXX. The credit union, NC State Employees credit union, did not post the payment until XX/XX/XXXX stating that the payment was made after XXXX. That has nothing to do with the date that I transferred the payment over.
08/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28262	Web
XX/XX/XXXX XXXX {$3000.00} was taken out of account, this man was able to send himself money off my my wallet on my phone and I did not authorize him to do so and when I spoke to my bank they said I let him. When I noticed the money was gone I called the police and got an investigation report but the police never got back in contact with me
08/21/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28752	Web
XX/XX/20 thru XX/XX/20 and on XX/XX/20 they have been over {$4000.00} worth of charges been made to my account and I've disputed with my bank and they haven't done anything about it and I feel like I'm just being XXXX out of my money and something needs to be done. The bank is State Employees Credit Union of North Carolina
05/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28311	Web
I have had a business insurance policy since XXXX XXXX 2021, and dealt with one company at XXXX XXXX, XXXX XXXX XXXX. Not one time have they explained to me how to use it, because the annual fee is XXXX dollars, I have been paying XXXX. I haven't used any of the endorsement at all. I need to know why? And where my assets.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31326	Web
I had a mortgage with NCSECU ( North Carolina State employees card it union ) and had a foreclosure. The account was closed in XXXX They are still reporting as late payments in XX/XX/XXXX. Its preventing me from moving on in life and sheltering my family. Its reporting on 2 of the 3 bureaus and appears innacurate.
05/08/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	CO 804XX	Web
Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.
07/07/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	NC 28216	Web
I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27529	Web
The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.
07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28227	Web
STATE EMPLOYEES CREDIT UNION reporting that I have missed 3 payments since XXXX, and have a {$200.00} balance. I have called and verify that I havent missed a payment and am in good standing, and was told that I would have to contact each of the credit individually to fix this error in reporting.
08/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	NC 28625	Web
Asked state employees credit union in XXXX nc for my credit card to be increased and was told because I had a lose in my business that I couldnt get it I was told I have a great pay history but because I had a lost they can not increase my credit card 15 U.S. Code 1681g - Disclosures to consumers
05/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/19/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 27616	Web
The NC State Employees Credit Union experienced some kind of fraud with several XXXX XXXX accounts across the state and had to shut down for several hours according to them and they took money from some of my associated accounts to handle their fraudulent debits from whoever hacked their bank
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 15 U.S.C 1681 Section 602 A. States i have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
02/15/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27893	Web	Servicemember
Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.
05/12/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27106	Web	Servicemember
We went into the sales process and North Carolina State Employees Credit Union suggested we go into forbearance. We were approved and three months went by in good standing. We were then counted as late when we were told we were still being eligible under forbearance.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12553	Web
A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.
05/29/2019	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NC 27909	Web
On XX/XX/XXXX NCSECU in XXXX XXXX NC, executed a teller withdrawal from my savings account in the amount of {$950.00}. They stated it was from an issue back in XXXX. I have no record of that issue and they can not show adequate information to support their action.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27332	Web
NCSECU reported 44 charge offs on my credit seriously damaging it. The account is delinquency is 4 years old and randomly showed up again on my credit as multiple late payments over the limit and charge offs after the account was written off again after 4 years.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 283XX	Web
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
07/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
This company is reporting an account to the XXXX credit bureaus XXXX , XXXX , and XXXX for a balance that I paid completely off in XXXX , 2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.
09/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28625	Web
I Consumer XXXX On XXXX I sent in payment via certified mail with postal money order and remittance coupon citing UCC 3-603B to NC STATE EMPLOYEES CREDIT UNION headquarters at XXXX XXXX XXXX XXXX, NC XXXX For credit card account ending in XXXX
03/29/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 295XX	Web
Upon reviewing my XXXX credit report, it showed I still have an open line of credit since XXXX/XXXX/2010, from a credit union I had my checking and savings accounts with until I moved to SC. These accts. have been closed for 6 years.
07/18/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NC 27401	Web
my name is XXXX XXXX i had account with state employyes credit union i got a personal loan was paying lost my job tried to negotiate payment plan they wouldnt accept my offer reported to credit bureau will not erase it after 7 years
06/12/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27703	Web
I paid for services from someone I never received it from and Ive been trying to get my bank to cancel the services at this time but they said I dont have enough evidence to cancel it but they never asked me for any evidence
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web
I have been a victim of identity theft and the following fraudulent items are appearing on my credit. The fraudulent items are as follows : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27909	Web
I seen a hard inquiry on my report from my SECU bank that I did not make and after speaking with my bank the third time they told me someone applied for a XXXX $ loan online. The inquiry date is XX/XX/XXXX XXXX XXXX
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27520	Web
it is a wrong report about a home owner line of credit was paid in full and closed 3 years ago for State Employee Credit Union in North Carolina. The company XXXX report this account like closed but no paid in full.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 287XX	Web
I currently have a late payment reporting on my credit through State Employees Credit Union back in XX/XX/2019. I haven't made any late payments so I shouldn't have any payments reporting late on my credit.
06/23/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 28334	Web
I 'm trying to use a payday app, XXXX XXXX , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75010	Web	Servicemember
pulled credit file and was numerous accounts that did not belong to me. Accounts that never should open under my identity. contacted each company, credit bureaus, and wrote 609 letters and no prevail.
06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27407	Web
I have state employees credit union reporting a charge off from XXXX and account closed. XXXX is continuing to report it as a late payment on my account even after sending me XXXX and charging it off.
05/09/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27591	Web
When I reviewed my credit report I was shocked to see that there was a 30 day late payment on the dates below : XX/XX/2019 I have no idea how this happened. I believe that I made my payment to you.
02/04/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NC 27360	Web
NC State Employees Credit Union closed my checking account after I was a victim of identity theft. They then reported to XXXX XXXX XXXX therefore I can not open a bank account with any other bank.
11/14/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	NC XXXXX	Web	Older American
Basically I applied for a refinance auto loan, was told one thing by a bank official who later on withdrew her promise of approving the loan. This took place XX/XX/XXXX and ended today XX/XX/XXXX
07/07/2017	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	FL 33756	Web
I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??
02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28352	Web
It is my understanding that debt has been paid as agreed. The debt is still appearing on my credit report nevertheless. The account has been properly settled unless can otherwise be proven.
06/26/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 27804	Web
I have 2 paid off cars with thr state employees credit union and they are holding both titles for collateral even though that wasn't agreed upon. They also sued me for the same matter
09/06/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TN 37013	Web
According To 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information During Covid-19 in accurate information is violation of the law..I reach out Several Time Concerning This Matter
11/21/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27407	Web
Over the past year about XXXX has been stolen from account they have tellers there that appeared to be stealing stealing from my account and ascessing from the account information.
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 275XX	Web
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
08/19/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28401	Web
XXXX was filed and accepted by the IRS. Company refuses to accept lawful payment or present the XXXX to the IRS for payment. XXXX was secured upon signing of promissory note.
06/06/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 27265	Web
My job at the United States. Postal Service has decreased hours to four hours every two weeks. I was refused by unemployment due to being still employed with the post office.
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27606	Web	Servicemember
My several attempts for dispute resulted in verification and nothing further. When I contacted the Fraud department I was transferred constantly or placed on infinite hold.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27616	Web
I've filed a dispute in regards to the incorrect items on my credit report to XXXX it has been well over 30 days and I haven't received any investigation results.
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27406	Web
Account status incorrect, showing open account as closed, showing delinquent account and negative payment history when account is not. Reporting on XXXX and XXXX.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 273XX	Web
XXXX posted an old charge off on my XXXX credit report with incorrect information. The account last activity date is listed as XX/XX/XXXX when it should be XXXX
07/12/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 28208	Web
I checked my credit and saw an old account from NC state employees credit union. I lost my job and fell behind on payments. I am still unemployed due to COVID.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27105	Web	Servicemember
State employees credit union shared my account information with out my consent XXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WY 82801	Web
please update this account STATE EMPLOYEES C UXXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
07/02/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	NC 272XX	Web
I asked for a cash out of {$50.00} on X/XX/17 from the XXXX app however later that day I received an email saying the request was canceled
08/05/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account status incorrect	NC 27405	Web
I had paid my loan off in full and they are saying I paid it late or didnt pay it at all when I paid on time and in full completion.
07/16/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27320	Web
I have an XXXX XXXX account to receive early payments and it 's not reflecting my c orrect XXXX account ba lance
09/23/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 280XX	Web
I had {$2800.00} taken out of my account without my authority and put in the XXXX and my bank won't do anything about it
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
This debt was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27587	Web
The payment history is inaccurate and the dates tagged as late also the balance were incorrect and unverifiable.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27616	Web
I contacted company about the false reporting and was told it would be handled but remains in my consumer report
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28216	Web
I did not authorize this inquiry on my credit report and I would like removed, along with being unverified.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web
Contacted company several times regarding identity theft and no response
02/23/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 27801	Web
State employees credit union of NC has an account that 's not mine.
10/06/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27615	Web
Company ignored several inquiries and requests for forbearance.
04/19/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77056	Web
Someone deposited a fraudulent check in my checking account
04/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 12553	Web
I never opened an account with this company. It's fraud.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 275XX	Web
There are multiple errors on my credit report
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 275XX	Web
There are multiple errors on my credit report
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23669	Web
They put alot of inquires on my credit
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23669	Web
They put alot of inquires on my credit
12/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 27407	Web
I have no knowledge of said debt.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 283XX	Web
Fraud information listed wrong
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27278	Web
I am an identity theft victim.
09/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 27534	Web
Loss of family and employment
07/30/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NC 27801	Web
fradulent
01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27265	Web

01/27/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NC 284XX	Web

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27405	Web

01/25/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 28314	Phone	Older American, Servicemember

01/23/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28107	Web

01/23/2024	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	NC 27405	Web	Servicemember

01/23/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28273	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28023	Web

01/22/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 27704	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/18/2024	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27705	Phone	Older American

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27529	Web	Servicemember

01/18/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28376	Referral

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28214	Web

01/17/2024	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NC 27616	Phone

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31322	Web

01/12/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 275XX	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

01/10/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 273XX	Web

01/10/2024	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	NC 28269	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30269	Web

01/05/2024	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28215	Web

01/04/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NC 284XX	Web

01/04/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27705	Referral

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29715	Web

01/03/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28105	Referral

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28105	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28105	Web

01/02/2024	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 27889	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27105	Web	Servicemember

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28205	Web

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 278XX	Web

12/29/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28376	Phone

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28212	Web

12/18/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 284XX	Web

12/15/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	NC 28301	Web

12/12/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 278XX	Web	Servicemember

12/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28147	Referral

12/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27527	Web

12/08/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28147	Phone

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27704	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27704	Web

12/06/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	NC 27407	Phone

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28146	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28146	Web

11/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94805	Phone

11/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process Paying off the loan	NC 27244	Referral

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29715	Web

10/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28590	Referral	Servicemember

10/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27520	Referral

10/11/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	NC 28752	Referral

10/10/2023	Yes	Checking or savings account Savings account	Managing an account Banking errors	NC 28379	Web	Older American, Servicemember

10/04/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 27703	Referral

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28025	Web

10/02/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NC 27529	Referral

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27576	Web

09/29/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27410	Referral

09/26/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27536	Referral

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27612	Web

09/19/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27610	Postal mail	Older American

09/14/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27526	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28590	Web	Servicemember

09/04/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 27104	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27249	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28215	Web

08/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 270XX	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AP 96322	Web	Servicemember

08/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28081	Web

08/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27611	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28803	Web

08/16/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 27406	Referral

08/10/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28379	Referral

08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27611	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77075	Web

07/31/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28360	Phone

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web

07/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with cash advances	NC 28025	Phone

07/26/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 28380	Phone	Older American

07/26/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	OR 97148	Web	Servicemember

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28203	Web

07/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28787	Web	Servicemember

07/06/2023	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	NC 28105	Phone	Older American

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28215	Web

06/18/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	SC 29223	Web

06/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27103	Referral

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27610	Web	Servicemember

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28365	Web

06/06/2023	Yes	Checking or savings account Savings account	Closing an account Company closed your account	NC 27107	Referral

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28203	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28356	Web

05/26/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28269	Web

05/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27265	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web

05/19/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 28301	Phone	Older American

05/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28501	Phone	Servicemember

05/17/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	NC 28601	Web

05/17/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 45840	Referral

05/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28273	Web

05/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27565	Phone

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27713	Web

05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27103	Web

04/19/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28269	Web

04/10/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27455	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27409	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28277	Web

03/23/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28204	Referral

03/22/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NC 28323	Referral

03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27534	Web

03/10/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	NC 28027	Phone

03/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27406	Web

03/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27209	Web

03/03/2023	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	KY 40069	Phone	Older American

02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28098	Referral

02/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

02/10/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28213	Web

02/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 27803	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27209	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28352	Web

02/01/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	NC 27407	Referral

01/19/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 28027	Referral

01/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27103	Referral

12/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NC 28278	Web

12/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28806	Web

12/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27612	Web

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web	Servicemember

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 273XX	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27517	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33035	Web

11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27405	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27834	Web

11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NC 28269	Web

11/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28081	Web

11/13/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	NC 27330	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27801	Web

11/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28054	Referral

11/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27045	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28214	Web

10/23/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28683	Web	Servicemember

10/23/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	PA 19146	Web	Servicemember

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28269	Web

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27405	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28385	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27405	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28278	Web

09/30/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28105	Referral

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27604	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27516	Web	Servicemember

09/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 27103	Referral

09/02/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NC 27603	Phone

09/02/2022	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NC 27249	Referral

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27591	Web	Servicemember

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27545	Web

08/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27889	Phone	Servicemember

08/04/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27520	Referral

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30016	Web

07/07/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27573	Referral

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28083	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27107	Referral

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28546	Web

06/14/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27591	Web

06/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27591	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27610	Web

05/26/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NC 28649	Referral

05/24/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28269	Referral

05/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 34788	Referral

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27526	Web

04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC 27812	Phone	Servicemember

04/14/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 27617	Web

04/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 27617	Web

04/05/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27406	Referral

04/01/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27614	Referral

03/28/2022	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	NC 28377	Phone

03/17/2022	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	NC 27560	Referral

03/16/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28227	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28352	Web

03/12/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NC 27932	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27704	Web

03/07/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27603	Referral

02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 28311	Web

02/18/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28411	Web

02/11/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28215	Referral

02/11/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	NC 27260	Phone

02/08/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 28390	Referral

02/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC 28269	Web

01/28/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	NC 27583	Referral

01/26/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27884	Referral

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28791	Web

01/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28613	Web

12/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30087	Web

12/16/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27846	Phone	Older American

12/15/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 34683	Referral

11/22/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28478	Referral

11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28387	Phone

11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 245XX	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28530	Web

10/21/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28714	Web

10/21/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27837	Referral

10/14/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	NC 27342	Web

10/13/2021	No	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NC 28146	Referral

10/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 27886	Web

10/06/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30328	Referral

10/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28262	Referral

09/28/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	NC 28129	Web

09/27/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27707	Phone

09/23/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28269	Web

09/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28326	Referral

09/13/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27371	Referral

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28326	Web

08/24/2021	No	Checking or savings account Checking account	Managing an account Cashing a check	NC	Referral

08/24/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	SC 29486	Referral

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29710	Web

08/06/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32119	Web

08/06/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	FL 32119	Web

08/05/2021	Yes	Money transfer, virtual currency, or money service Foreign currency exchange	Fraud or scam	NC 27265	Web

08/04/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 32855	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web

07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28269	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27574	Web

06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27518	Phone

06/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27707	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27410	Web

06/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/03/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28081	Web

06/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28081	Web

06/02/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process		Referral

05/12/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27610	Web

05/08/2021	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 27610	Web	Servicemember

05/06/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27405	Referral

04/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27616	Phone	Servicemember

04/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Referral

04/16/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 28451	Web	Servicemember

04/13/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27410	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95110	Web

03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27217	Phone

03/24/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NC 27330	Referral

03/19/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27597	Referral

03/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	NC 27244	Referral

03/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 27616	Phone

03/01/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect		Referral

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28215	Referral

02/22/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28412	Phone

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 27527	Web

02/01/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28383	Referral

01/28/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NY 14559	Referral

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22033	Web	Servicemember

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22033	Web	Servicemember

01/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27581	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30092	Referral

01/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 27615	Web

01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75106	Web	Servicemember

01/02/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27513	Web

12/17/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 28433	Web

12/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 27330	Web

12/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75106	Web	Servicemember

11/24/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors		Phone

11/13/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 14613	Phone

11/12/2020	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NC 27557	Referral

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 34758	Web

11/02/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27405	Referral

10/30/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	XXXXX	Web

10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27536	Fax

10/29/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75106	Web	Servicemember

10/05/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27587	Phone	Older American

09/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 28311	Web	Servicemember

08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28412	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27529	Web

08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27609	Postal mail

07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28262	Web

07/16/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors		Referral

07/11/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	NC 28115	Web

07/07/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27609	Web

07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28405	Web

06/29/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

06/03/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 27610	Phone

05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28025	Phone

04/23/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27520	Referral

04/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 27804	Referral

03/16/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 30339	Web

03/12/2020	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NC 27408	Referral

03/06/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28208	Phone

02/27/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28226	Phone

01/23/2020	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 76227	Web	Servicemember

01/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	DC 20036	Web

01/15/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27809	Referral

12/30/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28572	Referral

12/12/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	NC 28339	Referral

12/06/2019	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	SC 29707	Referral

12/06/2019	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	NC 27529	Referral

11/13/2019	Yes	Checking or savings account Savings account	Problem caused by your funds being low Overdrafts and overdraft fees	NC 28262	Referral

11/05/2019	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	NC 27609	Fax

10/10/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28107	Phone

10/10/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28107	Phone

10/08/2019	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 27804	Referral

09/27/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27343	Referral

09/24/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28340	Referral

09/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27530	Web

09/12/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29720	Referral

09/05/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	NC 27882	Web

08/24/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 31404	Web

08/13/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account		Postal mail

08/13/2019	Yes	Checking or savings account	Improper use of your report Reporting company used your report improperly	NC 28215	Phone

08/11/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27707	Web

08/01/2019	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28270	Referral

08/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NC 28401	Referral

07/22/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 28139	Phone	Older American

06/27/2019	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	GA 30127	Referral

06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Web

05/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27455	Postal mail

05/14/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NC 28380	Referral

05/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94538	Web

05/03/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NC 27707	Referral

04/23/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 78660	Referral

04/23/2019	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28470	Referral

04/19/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage		Referral	Servicemember

03/14/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account	NC 28659	Web

02/07/2019	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28107	Referral

01/29/2019	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27835	Phone

12/11/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	NC 28273	Web

12/07/2018	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	NC 27704	Referral

11/16/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	NC 27278	Referral

11/14/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27278	Referral

11/07/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 28380	Web

11/07/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28655	Referral

09/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

09/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28025	Web

09/07/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27604	Web

08/10/2018	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	NC 27804	Referral

07/17/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NC 27703	Web

07/17/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	NC 27704	Web

07/09/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

07/06/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27610	Referral

07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

06/28/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28262	Referral

06/22/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28214	Phone

06/19/2018	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NC 27893	Phone

06/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27616	Web

06/14/2018	Yes	Checking or savings account Checking account	Closing an account Can't close your account	AZ 85138	Referral

06/12/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 28216	Referral

05/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 27526	Fax

04/30/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement		Referral

04/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NC 28056	Web

04/25/2018	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	NC 278XX	Web

04/19/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28134	Web

04/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23235	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27360	Web

04/02/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 28457	Referral

03/21/2018	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28677	Web

03/02/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27640	Web	Servicemember

02/12/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27713	Referral

01/18/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 34208	Web

01/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27616	Web

01/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28358	Web

12/15/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 28214	Phone

12/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27703	Web

11/15/2017	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments		Phone

10/26/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	NC 28214	Phone

10/24/2017	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27217	Web	Older American

10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23220	Web

10/13/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28078	Web

09/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28216	Web

09/14/2017	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	NC 28403	Web

09/11/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC 27332	Web

09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 27893	Web	Servicemember

08/22/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28345	Referral

08/17/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 28345	Referral

08/08/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27613	Web

08/03/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MD 21220	Referral

07/30/2017	Yes	Checking or savings account Savings account	Closing an account Company closed your account	NC 27707	Web

07/26/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27909	Web	Older American

07/20/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 28360	Web

07/08/2017	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	NC 27030	Web	Servicemember

07/03/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	SC 29569	Web

06/30/2017	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	NC 27613	Web

06/21/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	NC 27856	Referral

06/21/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NC 27856	Referral

06/20/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27856	Web

06/20/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial		Phone

06/16/2017	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NC 27803	Web

05/24/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	NC 28645	Referral

05/15/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 27610	Postal mail

05/12/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	NC 28117	Referral

05/02/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NC 28117	Postal mail

04/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27855	Phone

04/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27405	Referral

04/03/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 27863	Phone

03/28/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 27030	Phone

03/22/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27707	Phone

03/14/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27703	Referral

02/28/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28117	Referral

02/22/2017	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 27834	Web

02/16/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27282	Web

02/15/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 28227	Web

02/05/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28278	Web

01/29/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27597	Web

01/26/2017	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 27703	Referral

01/26/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27282	Web

01/18/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27260	Phone

01/12/2017	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28117	Referral

01/06/2017	Yes	Bank account or service Savings account	Account opening, closing, or management	NC 28779	Phone

12/15/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27260	Phone

11/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27520	Referral	Older American

11/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27260	Phone

09/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 27560	Web

09/06/2016	Yes	Credit card	Customer service / Customer relations	NC 27107	Phone

09/01/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 28380	Postal mail

08/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28214	Phone

08/13/2016	Yes	Bank account or service Savings account	Deposits and withdrawals	NC 27407	Web

08/12/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27801	Referral

08/10/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28212	Phone

07/26/2016	Yes	Consumer Loan Personal line of credit	Account terms and changes	NC 28380	Phone

07/26/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 28212	Referral

07/20/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28144	Fax

06/02/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27909	Phone

05/27/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 28214	Phone

05/11/2016	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27707	Postal mail

04/29/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NC 28292	Referral

04/06/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	MS 38655	Referral

04/04/2016	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NC 289XX	Web

01/14/2016	Yes	Mortgage Other mortgage	Credit decision / Underwriting	NC 28226	Referral

12/21/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 28214	Phone

12/14/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NC 27713	Web

12/04/2015	Yes	Money transfers Domestic (US) money transfer	Incorrect/missing disclosures or info	TX 78701	Web

11/30/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	GA 30097	Web

11/19/2015	Yes	Mortgage Conventional fixed mortgage	Settlement process and costs	NC 27540	Web

09/21/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	NC 28001	Phone

09/21/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 27048	Postal mail

07/17/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28269	Web

06/13/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27545	Web

05/26/2015	Yes	Payday loan	Payment to acct not credited	NC XXXXX	Postal mail

05/20/2015	Yes	Payday loan	Payment to acct not credited	NC 27331	Web

05/14/2015	Yes	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	NC 28628	Referral

04/29/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	NC 27215	Web

04/22/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	NC 27896	Web

04/21/2015	Yes	Credit card	Bankruptcy	NC 27215	Web

03/10/2015	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan modification,collection,foreclosure	GA 30097	Web

02/11/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 27707	Web

01/13/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27401	Web

12/30/2014	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	ND 28144	Web

12/07/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 28357	Web

11/28/2014	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	NC 28560	Web	Servicemember

11/20/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	NC 27856	Referral	Servicemember

10/27/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	NC 27612	Web

10/01/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NC 28320	Web

10/01/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NC 27588	Referral

10/01/2014	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NC 28732	Referral

09/11/2014	Yes	Mortgage FHA mortgage	Application, originator, mortgage broker	NC 28722	Web

07/31/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	NC 27616	Web

06/23/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27856	Referral

06/09/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NC 28352	Web

03/26/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28622	Phone

03/08/2014	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 28337	Web

03/03/2014	Yes	Bank account or service Checking account	Using a debit or ATM card	NC 27603	Referral

01/30/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27109	Web

01/28/2014	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	NC 28681	Phone

11/04/2013	No	Bank account or service Checking account	Account opening, closing, or management	NC 28681	Postal mail

11/02/2013	Yes	Credit card	Customer service / Customer relations	NC 27937	Web

10/19/2013	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NC 27105	Web

09/25/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28269	Phone

09/16/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	NC 23801	Phone

09/11/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 27545	Web

08/29/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28779	Web

08/06/2013	Yes	Mortgage Conventional adjustable mortgage (ARM)	Application, originator, mortgage broker	NC 28805	Web

06/11/2013	Yes	Money transfers Domestic (US) money transfer	Other transaction issues	NC 27603	Web	Older American

05/06/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	NC 28470	Web

04/30/2013	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 28409	Web

03/26/2013	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NC 28215	Web

11/06/2012	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NC 28450	Fax	Servicemember

08/01/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	NC 27510	Referral

06/02/2012	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	NC 27607	Referral

04/11/2012	Yes	Bank account or service Checking account	Problems caused by my funds being low	NC 27804	Email