Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I. Basis of Complaint This complaint is filed under : 12 CFR 1005.6 & 1005.11 ( Regulation E Electronic Fund Transfers ) 12 CFR 229.34 ( Regulation CC Check Endorsement and Collection Warranties ) BECU failed to comply with these regulations by : XXXX. Accepting and processing an unsigned, unendorsed XXXX XXXX check via ATM deposit on XX/XX/XXXX, despite restrictions requiring direct deposit or payee endorsement. 
XXXX. Continuing to operate a credit card account issued in XXXX, reported lost, without re-issuance authorization, and two years beyond expected expiration. The card was later found unendorsed in the leading culprits room. 
XXXX. Sending monthly statements and replacement cards to an incorrect XXXX address, not registered as my legal residence, resulting in seven years of misdirected correspondence. 
XXXX. Ignoring prior written and CFPB-filed complaints, despite new internal documents showing systemic procedural and data-handling inconsistencies. 



XXXX. Factual Timeline XX/XX/XXXX Check Deposit A XXXX XXXX check dated XX/XX/XXXX, was deposited via BECU ATM on XX/XX/XXXX. 
Intended for direct deposit of a beneficiary distribution from the estate of XXXX XXXX XXXX. 
Endorsement block reads : FOR DEPOSIT ONLY INTO THE ACCOUNT OF THE WITHIN NAMED PAYEE MUST BE ENDORSED BY THE PAYEE. 
No signature or restrictive endorsement appears. 
Check irregularities : Denomination field written as cents instead of dollars. 
Atypical MICR routing layout. 
No visible verification stamp from the depository bank. 
Despite these issues, BECU accepted and processed the check, contrary to UCC 3-401, 4-205, and Reg CC 229.34. 

XXXX XXXX Unauthorized Credit Card Activity Credit card issued by BECU in XXXX ; later reported lost. 
Card remained active without authorization, including two years beyond expected expiration. 
Statements and replacement cards sent to the XXXX address, not my legal residence. 
In XXXX, the card was found unendorsed in the leading culprits room. 
BECUs Money Manager platform concealed account activity ; I was denied access and informed no errors existed. 

XXXX System Acknowledgment BECU publicly admitted that Money Manager may not display all accounts or transactions accurately, validating prior reports of hidden activity. 
Obtained 178 pages of previously undisclosed statements. 

XXXX Unauthorized Access Discovery Discovered unauthorized family access to instruments and online credentials during the period. 
Evidence submitted to Washington DFI, FTC, and DRS for cross-agency review. 



III. Regulatory Deficiencies BECUs conduct constitutes violations of : 1. Unendorsed Check Deposit Reg CC 229.34 Acceptance of an unendorsed check in breach of warranty.

UCC 3-401 & 4-205 Failure to ensure valid payee endorsement prior to deposit. 
XXXX. Unauthorized Credit Card Activity Continued operation of a credit card without consent ( XXXX ), including two years beyond expiration. 
Card and statements sent to an incorrect address, and later found unendorsed in the leading culprits room. 
Violations : Reg E 1005.6 ( b ) ( 3 ) Failure to investigate and provisionally credit disputed electronic transactions within 10 business days.

Reg E 1005.11 ( c ) ( 1 ) Failure to complete investigation and provide written results within 45 days.

Reg DD 1030 Failure to issue accurate, timely periodic statements.

GLBA ( 15 U.S.C. 6801 ) Failure to safeguard consumer identifying and contact information.

3. Systemic Record-Keeping and Disclosure Failures BECUs XXXX Money Manager disclaimer acknowledged internal inaccuracies, confirming prior concealment of account activity. 



IV. Requested Actions I request that the CFPB : XXXX. Reopen or assign a new case under Reg E referencing prior BECU complaints.

2. Direct BECU to provide : Complete internal deposit logs, endorsement verification records, and address-change history ( XXXX ). 
Full refund of interest and fees tied to unauthorized accounts and reversal of credit-report impacts. 
XXXX. Refer findings to Washington DFI, FTC, and EBSA for fiduciary and systemic review. 
XXXX. Treat BECUs XXXX XXXX XXXX statement as an admission of systemic error, not a limitation of liability for earlier violations. 



V. Summary Statement This complaint consolidates prior verified evidence submitted to CFPB and BECU. It confirms that : BECU accepted an unendorsed check. 
BECU failed to conduct a Reg E-compliant investigation. 
BECU withheld accurate records for nearly a decade. 
The unauthorized credit card activity, including two years beyond expiration and unendorsed discovery, further demonstrates regulatory failures. 

All supporting documentation and correspondence are available upon request and most provided either by Becu themselves or in previous CFPB documented complaints. 

Though I will reattach the stolen/lost card that I only found recently as Ive pinpointed the culprit as well as the check I hadnt seen before I requested it, both without endorsement. 


Supplemental Evidence Credit Record Correction XXXX removed the unauthorized XXXX address, increasing my credit score by XXXX points. 
This validates identity theft and address-handling claims and underscores ongoing Reg E, Reg DD , and GLBA violations.

Company response to consumer: Closed with explanation