Vehicle loan or lease -- Repossession -- Complaint #12100395
Complaint Overview
Complaint ID: 12100395
Company: State Employees Credit Union
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Repossession
Sub-Issue: Loan balance remaining after the vehicle is repossessed and sold
State: North Carolina
ZIP Code: 279XX
Date Received: 2025-02-16T12:00:00-05:00
Date Sent to Company: 2025-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing in response to a recent communication I received regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I formally request validation of this debt. Under federal law, you are required to provide the following information : Verification of the original creditors name and address. A detailed statement of the amount allegedly owed. Proof that you have legal authority to collect this debt. Copies of any agreements bearing my signature that substantiate this debt. Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit bureau, as failure to validate renders further collection efforts unlawful under FDCPA regulations. Additionally, if you are unable to provide adequate validation, I request that you immediately stop all collection attempts and remove any negative reporting associated with this debt from my credit file. Please confirm receipt of this letter in writing and direct any future correspondence regarding this matter to me at the address listed above. Any failure to comply with this request may result in legal action for violations of my rights under the FDCPA. Thank you
Frequently Asked Questions
What is Complaint #12100395 about?
Complaint #12100395 was filed against State Employees Credit Union regarding Vehicle loan or lease specifically about Repossession. It was received by the CFPB on 2025-02-16T12:00:00-05:00.
How did State Employees Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against State Employees Credit Union?
Yes, visit the State Employees Credit Union company profile at readthecomplaint.com/company/state-employees-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.