Credit card -- Other features, terms, or problems -- Complaint #19117824
Complaint Overview
Complaint ID: 19117824
Company: State Employees Credit Union
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with customer service
State: North Carolina
ZIP Code: 28216
Date Received: 2026-01-29T12:00:00-05:00
Date Sent to Company: 2026-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding how my credit card issuer has handled my concerns as an existing cardholder. I currently hold an active credit card/line of credit with this institution. When the issuer introduced new credit card products that offer rewards, I inquired about whether existing cardholders could be converted or transitioned to those products. I was told that I would need to reapply as if I were a new customer, which would require a new credit inquiry. I raised concerns because a new inquiry would negatively affect my credit. I am actively working to rebuild and protect my credit profile, and I am not seeking new debtonly fair access to comparable products without unnecessary harm. I asked why an existing cardholder with an established account could not be considered for conversion or an alternative solution. The issuer responded with a generic letter stating that my feedback had been shared internally, but my core questions were not answered. After that response, I sent follow-up correspondence and received no response at all. At this point, the lack of acknowledgment has become part of the problem. In addition, I have repeatedly requested goodwill consideration regarding a single late payment reported on my account. This was an isolated incident, not a pattern of delinquency. The account remains open, active, and is being paid down. Despite multiple requests, the issuer has declined to grant XXXX consideration without providing a meaningful explanation or engaging with the substance of my request. I have remained a customer because this is my oldest credit relationship, and I want to continue building my financial future with this institution. However, being told that I am a valued member does not align with the experience I have had. Requiring reapplication that harms credit, denying goodwill review without explanation, and failing to respond to follow-up correspondence reflects poor customer service and a lack of transparency. I am submitting this complaint so that my concerns are formally reviewed and addressed, and so other consumers can understand how these policies and practices may affect them.
Frequently Asked Questions
What is Complaint #19117824 about?
Complaint #19117824 was filed against State Employees Credit Union regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2026-01-29T12:00:00-05:00.
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 (Credit card) 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.