Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #6105829
Complaint Overview
Complaint ID: 6105829
Company: State Employees Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Texas
ZIP Code: 77459
Date Received: 2022-10-19T12:00:00-05:00
Date Sent to Company: 2022-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2022, i was alerted by my sister that {$1000.00} was withdrawn from our joint account with N.C. State Employee Credit Union.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.
Frequently Asked Questions
What is Complaint #6105829 about?
Complaint #6105829 was filed against State Employees Credit Union regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-10-19T12:00:00-05:00.
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 (Checking or savings account) 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.