Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Whom It May Concern, I am filing a formal complaint against State Employees Credit Union ( SECU ) of NC regarding what I believe to be discriminatory and improper treatment during my attempt to obtain an auto loan and a credit card limit increase. XXXX XXXX XXXX XXXXt, and from the beginning of my relationship with this institution, I have felt singled out and treated differently from other customers. When I initially opened my bank account with SECU, I was instructed to take a photograph for my banking card. I was specifically told this was necessary because I was from another XXXX. I later learned that SECU no longer routinely takes photographs for customer cards and that this was not standard procedure for other customers. This interaction immediately raised concerns for me regarding profiling and discriminatory treatment. I currently have an existing auto loan through SECU that has been active for nearly two years and has been maintained in good standing. Recently, I applied for a higher auto loan amount to purchase another vehicle. During the application process, rather than simply evaluating my qualifications, SECU employees repeatedly questioned and challenged me about the type of vehicle I wanted to purchase. They asked why I needed that vehicle and attempted to steer me toward what they believed were better suited vehicles for me. I found this behavior inappropriate and discouraging. The loan process then shifted toward questions regarding my income. I explained that I currently receivXXXX XXXX XXXXXXXX income due to my XXXX, which the credit union was already aware of. I was then asked to provide pay stubs, and I informed them that the documentation available would reflect my prior employment income. I provided the requested information. After reviewing my application and documentation, SECU approved me for the loan. However, after the approval was given, the loan was suddenly rescinded without explanation. When I contacted the credit union to ask about finalizing the loan and obtaining further information, I was met with dismissive and unprofessional behavior. Staff members laughed during the conversation and informed me that they would no longer be issuing the loan. No clear reason was provided to me verbally or in writing. Additionally, my request for a credit card limit increase was also denied or rescinded without any meaningful explanation. To date, I have not received any written adverse action notice explaining : - why the loan was rescinded, - why the credit increase was denied, - whether information from my credit report was used, - or what specific underwriting criteria resulted in these decisions. I believe I may have been profiled and discriminated against based on my iXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the CFPB investigate SECUs conduct, lending practices, and compliance with federal consumer protection and fair lending laws, including whether proper adverse action notices were provided as required under the Equal Credit Opportunity Act ( ECOA ) and other applicable regulations. I am requesting : XXXX. A full written explanation for the rescinded loan approval and denied credit increase ; XXXX. Copies of all underwriting and adverse action documentation related to my applications ; XXXX. An investigation into whether discriminatory or improper lending practices occurred ; XXXX. A review of the conduct and professionalism of the employees involved in this matter. Thank you for your time and attention to this complaint.

Company response to consumer: Closed with explanation