Consumer complaint received 2019-08-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
OnXX/XX/2019..Location : State Employee Credit Union.XXXX NC , OnXX/XX/2019..I was called in the bank my daughter.Whom was simply trying to deposit a check into her checking account..I go into the bank and I asked, the teller whats the problem?, .She said  to me, my daughter is responsible for these checks if they come back not paid..I said to her, well that will not happen, she has deposited this same check in her checking account before..My daughter said, I told them that..Im noticing another teller researching her checks..The two checks equal an amount {$410.00} all together..My daughter said, " she asked her several questions, where is this check from, whats it for etc '' ..The check clearly has, XXXX XXXX XXXX..It says an insurance check..This is a huge company that makes candy in XXXX, NC..All of this time, the teller is not friendly..They literally has my daughter standing in the bank as if she was trying to cash a fraudulent check. Im noticing all of the other tellers are looking..I guess next step was to call the police on her ... I can certainly understand procedure and precautions..This is where she banks at..She never had a problem before with checks or her account..Where is this type of discrimination coming from..So, after standing there looking like suspects, .The teller beside the initial teller finds the check my daughter recently deposited in her checking account a week ago, ..They finally, gives the ok to deposit the checks.So, I called back with my concerns to the bank to express my concerns about this incident..I spoke with XXXX, the financial bank manager? Im assuming..I then expressed my concerns to her about the incident.And she started out from the beginning stating '' XXXX is part-time she doesn't have access to the same information other tellers have..I said so, do she need more training? Why such  the difficult time in just depositing checks ( that she has actually deposited before..Well, I  don't think its training, shes been here years..I said ok, ,well whats the problem? ..I said is it because we are black..She immediately jumped on the defense..And no longer wanted to have a conversation on what transpired..If she didn't think this was racially motivated, why get offended? She wanted to rush me off the phone and forward my message to the district manager over that credit union..I awaited his phone call, I asked him did XXXX brief you..He said yes, he begin to explain what she said..And it came out, from what he gathered she entered the wrong number from the check..But yet, they kept us there..just about refusing to deposit a check, till they found proof it was valid..Her actions were  unethical..The problem I have with, " she entered the wrong number is '' ..Why didn't she re-enter the number, if it was such an error..Whats wrong with going over what you entered to make sure its accurate..So, they rather humiliate us, rather than her taking ownership over her actions..Whats wrong with?, " Sorry maam, for your inconvenience, look like I entered the wrong number, let me re-enter and double check ''., that never happened. It really doesn't make any sense..Because if you are dealing with numbers and money..Im sure its a practice to double check what you do ... And not only..do I not believe that is factual..Even if you are part time with a company..It gains you some access..When my daughter walked in that bank and swiped her card..Im sure that gives a teller access to look at recent deposits and transactions..Its clear to me what transpired, she entered the wrong numbers and jumped the gun immediately to assume my daughter checks were invalid and didn't want to take no ownership of her actions..And felt like it was ok..And its not to cover up any errors when its pertaining to someone elses reputation and integrity..Its clear this bank practice discrimination.Their actions are unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation