Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This is my second complaint regarding SECU. Fraudulent activity has increased since my first filing, and SECU has retaliated by closing my account, altering my security settings, and refusing to provide required documentation. 

1. Unauthorized ACH Debits Are Still Posting Fraudulent ACH debits labeled XXXX XXXX  RETURN FEE and XXXX XXXX RETRY PYMT continue to hit my account. These charges do NOT exist in my XXXX purchase history. SECU refuses to block the originator or release the required ACH trace numbers. 

2. Transactions Are Being Back-Dated and Manipulated Multiple transfers and debits were re-dated to make fraudulent activity appear legitimate. Ledger entries are being changed after the fact, including during overnight hours. This is not consumer error it is internal or system-level manipulation.

3. SECU Altered My Account Security Settings Without Authorization After my complaint, SECU downgraded my Member Access security settings : Always Challenge was activated OTP was bypassed My login began requiring security questions I never set My XXXX  daughters linked account was changed in the same way These changes were not made by either of us. This constitutes unauthorized access and account tampering, likely internal.

4. SECU Refuses to Provide Required Documentation Despite multiple written requests, SECU refuses to provide : ACH trace numbers Originator information Company IDs IP logs Device fingerprints Access logs Authentication-setting change logs This violates 12 CFR 1005.11.

5. SECU Responded to My First Complaint With False Statements SECU falsely claimed : I successfully logged in during times I did not My account did not use OTP No dispute affidavit was received Insurance and payment dates were different than documented These misrepresentations appear to be an attempt to avoid liability.

6. Retaliation Has Occurred After my complaints : My account was suddenly closed Fraudulent debits increased Account security settings were altered My daughters account was tampered with I experienced real-world harassment, threats, and unsafe conditions My SECU account is STILL open and is STILL being debited with fraudulent XXXX ACH transactions. My newest SECU statement shows multiple NEW unauthorized entries labeled XXXX  PURCHASE, XXXX RETRY PYMT, and NSF FEE ACH DRAFT XXXX These do NOT appear in my XXXX account history and were NOT authorized by me. 

My REAL XXXX purchases appear correctly as POINT OF SALE DEBIT with store numbers and XXXX listed. The fraudulent XXXX entries are ACH drafts with no matching order numbers, no store info, and no corresponding XXXX activity. This proves they are not from XXXX and are either mis-coded or internally inserted by SECU.

SECU also posted back-dated ACH adjustments ( including entries referencing XXXX ) into my XXXX and XXXX activity, showing deliberate ledger manipulation. 

Fraud has gotten WORSE since my first complaint, not better. SECU continues to ignore my Regulation E requests, refuses to provide ACH trace numbers or originator IDs, and has not provided any security logs or authorization documents. My account security settings were altered without my consent, and my minor daughters linked account was also tampered with. 
This is ongoing fraud, ongoing account tampering, and retaliation for filing complaints. My account is actively being manipulated while under investigation. I am requesting immediate CFPB escalation, supervisory review, and a full investigation into SECUs handling of my account and these fraudulent ACH debits.

HARM : These fraudulent withdrawals occur immediately after payroll deposits, causing financial hardship and destabilizing my account. Altering security settings exposed both my personal and financial information. SECUs retaliation has placed me in danger.

REQUESTED RELIEF : I am requesting that CFPB : 1. Investigate SECU for possible internal fraud and security tampering.

2. Require SECU to release all ACH and login documentation.

3. Require SECU to correct all unauthorized transactions.

4. Examine SECUs account-closure retaliation.

5. Escalate the matter for supervisory review or enforcement. 

SECUs actions present a serious risk to consumers.

Company response to consumer: Closed with explanation