Payday loan, title loan, or personal loan -- Getting a line of credit -- Complaint #5618975
Complaint Overview
Complaint ID: 5618975
Company: State Employees Credit Union
Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit
Issue: Getting a line of credit
State: North Carolina
ZIP Code: 27520
Date Received: 2022-05-28T12:00:00-05:00
Date Sent to Company: 2022-05-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5618975 about?
Complaint #5618975 was filed against State Employees Credit Union regarding Payday loan, title loan, or personal loan specifically about Getting a line of credit. It was received by the CFPB on 2022-05-28T12:00:00-05:00.
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 (Payday loan, title loan, or personal loan) 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.