I have been with secu for close to 40 yrs. It was great until about 7 yrs ago. Since, I have experienced fraudulent and suspicious activity. Each time I have a problem with money deducted fraudulently, it takes weeks to resolve and it always costs me, not secu. I recently noticed a double deduction within 5 mins & notified secu immediately. It was too late to stop the payment. It took 15 days to get a refund. In the past, Ive had my direct deposit moved to an unknown, online acct, without my knowledge or permission. The first time, I received a letter in the mail from secu, but it was too late to save my deposit. The 2nd time, I never received a letter. How is that possible? That required an OIG investigation, which took weeks but I wasnt allowed to know their findings. These long waits lead to late payments and damage to my credit report. Recently, I had a negative balance of $1321.00 . I did not have overdraft protection, so why wasnt my purchases declined the night before, when I knew my balance and it was showing as my balance. I went to my app and saw 6 separate purchases on my transactions that were deducted twice. Within one hour, the second transactions vanished. Im not accusing anyone of wrongdoing, It could be human or computer error. Yet, the negative balance were the exact amount of the double deductions. My local branch staff are kind and professional, but after hours at the operations center, I ve encountered rudeness and unprofessional issues. My shares acct has even been accessed and deducted! Somehow, each time when thres a conclusion, my claims have been proven correct and truthful. I ve been forced to borrow money to survive when waiting for my funds to be returned. Even when a reputable business refunded my money, it appeared in transactions but I was told I could not access it until secu was sure they had their money back! Again, I begged them not to pay it but my request was denied. I did all the work, making calls to the business to get my refund because a rep told me if I filed a dispute, it could take 14 days to get a refund. When I called when it was returned in my transactions, I was informed it could take 15 days because I couldn't get my money, until secu got theirs. I have reached out to management in tbe past and I was impressed with their concern. Not so much in the present. I am guilty until proven innocent. If anyone uses secu, I hope u are a mathematical wizard with knowledge of how criminals operate. There is something bizarre going on @ secu and I intend to do all I can to ensure a forensic audit. Its one thing to have money missing from my acct, but how do u put a price on credit damage, late fees and being forced to borrow money to survive until u see a refund. I intend to find the answer ro that question! If it is proven I am wrong about a negative balance, I will admit it. You will never get an admission from secu when they are proven wrong.
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Williamston. Serving employees in the state of North Carolina.