Consumer complaint received 2017-05-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contracted with  XXXX  as an   XXXX   in   XXXX   XXXX   and did not want Electronic Fund Transfer, in fact, it is illegal given the specifics of the Federal Funds and Contracts which were suppose to be paying my negotiated contract value.  XXXX  began misplacing my biweekly payments, and working  XXXX  miles west of  XXXX , made replacement times in excess of a month. Back to back misplaced payments left me no choice given the acceptance of contracts as a  XXXX   XXXX . I am also adopted, and find now the  XXXX   XXXX  NC did not issue a FINAL ADOPTION DECREE in  XXXX , leaving me without Original Birth Records, issuing a FALSE STATEMENT called a " Certificate of LIVE BIRTH '' with a birth date that is not correct. the NC State Employees Credit Union is the purpose of the CLAIM, as they CONTACTED ME by phone to solicit me into a Mortgage of my home in  XXXX   XXXX  NC. The entire loan from that call to closing was less than a week, and included  XXXX   XXXX  ( which  XXXX  charged but did not purchase ), T  XXXX   XXXX    (   XXXX  separate policies which  XXXX  charged me for both and kept both ), and a preferred closing attorney which  XXXX  Loan  XXXX  suggested, and seems to have kicked back extra money, The Attorney was never involved, and in  XXXX , an employee in the office of the Attorney demanded I produce and retire TITLES for a   XXXX   XXXX  r home which were not legally required, and were never issued by  XXXX  The home was designed by me, manufactured specific to my details, transported directly to land which I owned, and the erected on   XXXX   XXXX    which I was the Professional Engineer of Responsible Charge over the entire process. I have recovered fraud, forgeries, and endured lies and a foreclosure ( twice ) for the same property. That created a new investigation and I have discovered NCSECU had allowed access to my accounts, estabished accounts I did not approve and find the State of NC DOT had accounts for employees that did not exist. I also found a disclaimer by NCSECU tagged to This email may contain confidential and privileged material for the sole use of the intended recipient. If you are not the intended recipient, please contact the sender and delete all copies. Any review or distribution by others is strictly prohibited. Personal emails are restricted by policy of the  State Employees ' Credit Union  ( SECU ). Therefore  XXXX  specifically disclaims any responsibility or liability for any personal information or opinions of the author expressed in this  XXXX  CIRCULAR  XXXX  NOTICE : Any tax advice included in this or any attached written or electronic communication was not intended or written to be used, and can not be used, for the purpose of ( i ) avoiding any tax penalties or (  XXXX  ) promoting, marketing or recommending to another party any transaction or matter addressed  herein.If  your communication is about non-insured products, please note :  XXXX   XXXX   XXXX  offered through  XXXX   XXXX   XXXX   XXXX . Securities offered through  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX .  XXXX   XXXX  offered through  XXXX   XXXX   XXXX . Securities,  XXXX  and  XXXX  products are not credit union deposits. They are not obligations of or guaranteed by the credit union,  XXXX   XXXX   XXXX , or their affiliates. They are not insured by the  XXXX  or any federal government agency. Securities and  XXXX  products involve investment risks, including possible loss of principal. Insurance rate quotes are subject to change upon completion of the underwriting process.  Investment, Trust and Insurance representatives are also credit union employees, who may accept deposits. ... First - Impossible to tell what SECU has Insured, so to state " IF YOUR COMMUNICATION IS ABOUT UNINSURED PRODUCTS '' is improper transfer of obligation to Consumer. Second - Employees who SELL UNINSURED INVESTMENT PRODUCTS are working a SECU employees, so they are all in the same office, same phone system, same computer system ... Consumer can not differentiate even in person .... as LAST - INVESTMENT, INSURANCE and TRUST employees can take DEPOSITS??   Notice, it does not say anything about  WHERE they take your deposit ...?? They may ACCEPT your deposit? CONCLUSION OF CLAIM.. I,    XXXX   XXXX   XXXX , find the AFFIRMATIVE CLAIM DEFENSE would introduce the incomplete adoption as an infant, invalidates all contracts and Loan agreements with  XXXX  and require full return of all payments, full value payments of all TITLE INSURANCE riders, and all my Property. This CLAIM, by the HAND of  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX . All correspondence to that address ONLY please. Thank you.  XXXX

Company response to consumer: Closed with explanation