Been with SECU for over 20 years. Recently lost my job last year and was unable to pay off my SALO account and credit card. My SALO account was charged off so therefore I was told in a letter that I would have limitations to my account. Tried to go online to view my account and they took away my rights to do that. I was under the Second Chance program and got a text saying I will no longer be receiving text messages. So therefore I didn't get the alert that I had items trying to clear. I contacted the Operations Center and I was informed that they closed my checking account .So therefore I couldn't put money in my account to clear the items. The remainder money in the account was moved to my savings to close my checking. I was also told that whatever tries to come thru will be rejected and I would not be charged for NSF fees. I had this conversation recorded. 2 days later I had learned that I was charged $60 in NSF charges. I called the Hillsborough branch where I originally opened my account in 1994 and questioned why when the account was closed. I was told it was not closed. I told them it was closed and that is why I couldn't make a deposit. Then we went over dates of correspondences that they have sent me. I was given 15 days to pay a balance or I would have limited access to my account but not closed. It was dated February 5 and my checking account got closed on the 18th. They couldn't give me proper explanation what happened and also why I was told my account was closed. That conversation was recorded as well. I was placed on hold for a manager. I was on hold for a long time and eventually the manager Tyretta came to the phone. She also told me the account was never closed because they couldn't close it because I still had items trying to clear. But the lady who I spoke to at the Hillsborough branch prior to Tyretta had read a letter out to me that I was to be receiving soon that they closed my account but it's not closed??? So we are going back and forth about the closed and non closed account, charge off and that I am responsible for the $60 in which I refused to pay because I was not given accurate information and I wouldn't have been charged. I asked her about comprehension issues and she stated that I had the comprehension issue. She finally admitted that the person at the Operations center didn't close the account correctly. She refunded back the $60 and said she was going to put my account in a hold to debits status so that they would get rejected. Then she said ANYTHING that tries to come to the account will be rejected and my account will close. And I have that recorded. Well I had filed my taxes a few days prior to them closing my account and the IRS will not allow you to change financial institution once refund is submitted. So my refund arrived February 25 in which my account was closed. The refund was supposed to have been rejected and sent back to the IRS but the credit union opened back up my checking account to deposit the funds so that they can take the charge off amount from the SALO which was most of my refund. I had already told the Hillsborough location that I would pay the advance back once I get a job but Tyretta acted like it didn't matter because it was charged off but it still had to be paid. So therefore they knew I had a refund coming and it appears to me that they never closed the account so that they can receive the refund. So the credit union was deceitful which is cruel. I didn't mind making payment arrangements. I had talked to that branch several times and they were aware of my situation and didn't off a resolution. They just sent correspondences in the mail telling me I need to comply within so many days from the date of the letter in which I was never given. SECU is a horrible place to bank. They've made changes supposedly for the better but instead the worst. When changes were being made I had difficulty balancing my account because of how they had items in activity for a long period which was not giving you a more accurate balance. One day I will be in the negative for some unknown reason because there was no paper tail. And them the next day you have a positive balance without that paper trail. My money was always off as if they were stalking money. And other members had complained about that same issue. I'm glad that I bank at another credit union.
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Williamston. Serving employees in the state of North Carolina.
