Checking and savings
State Employees’ Credit Union: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 65
- Closed with money back
- 0
- 2023 to 2025
- 17 to 32
State Employees’ Credit Union received 1,064 complaints from everyone in the window; 65 carried the servicemember tag. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 0 of the 65 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 17 in 2023 to 32 in 2025.
What the complaints are about
By product
| Checking or savings account | 20 |
| Credit reporting or other personal consumer reports | 20 |
| Debt collection | 7 |
| Vehicle loan or lease | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
By issue
| Managing an account | 12 |
| Incorrect information on your report | 10 |
| Problem with a company's investigation into an existing problem | 9 |
| Improper use of your report | 6 |
| Attempts to collect debt not owed | 5 |
| 2023: 17 | 2024: 16 | 2025: 32 |
Which accounts, specifically
| Credit reporting | 24 |
| Checking account | 19 |
| General-purpose credit card or charge card | 5 |
| Loan | 5 |
| I do not know | 3 |
What went wrong, specifically
| Their investigation did not fix an error on your report | 7 |
| Problem using a debit or ATM card | 5 |
| Reporting company used your report improperly | 5 |
| Information belongs to someone else | 3 |
| Funds not handled or disbursed as instructed | 3 |
Busiest month: July 2025, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from NC (50), GA (3), SC (3) , then TX, FL, AP.
How State Employees’ Credit Union answered
| Closed with explanation | 65 |
State Employees’ Credit Union responded within the CFPB's 15-day window on 98% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Vehicle loan or lease; Incorrect information on your report. NC, 2024-05-07. Outcome: Closed with explanation. Complaint 8953903
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Checking or savings account; Closing an account. NC, 2024-04-08. Outcome: Closed with explanation. Complaint 8723884
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Checking or savings account; Problem with a lender or other company charging your account. TX, 2024-02-01. Outcome: Closed with explanation. Complaint 8267882
If this is your problem at State Employees’ Credit Union
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with checking and savings peers
- Vystar Credit Union 94 servicemember complaints; 11 with money back
- First Citizens Bancshares 42 servicemember complaints; 1 with money back
- Charles Schwab Corporation, The 39 servicemember complaints; 0 with money back
- Keycorp 109 servicemember complaints; 21% with money back
- Mountain America Federal Credit Union 38 servicemember complaints; 3 with money back
Next in the directory by volume: Williams & Fudge, Egl US, FactorTrust.
Frequently asked questions
How many complaints did servicemembers file against State Employees’ Credit Union?
65 complaints tagged servicemember were received by the CFPB about STATE EMPLOYEES’ CREDIT UNION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 17 in 2023 to 32 in 2025.
What do servicemembers complain about most at State Employees’ Credit Union?
Checking or savings account accounts for 20 of the 65 complaints, and the most common issue is "Managing an account" (12). Next: "Incorrect information on your report" (10).
Does State Employees’ Credit Union give money back when a servicemember complains?
0 of the 65 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 65 closed with an explanation only. State Employees’ Credit Union answered 98% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.