Credit bureau · complaint record
State Employees' Credit Union complaints
Filed under STATE EMPLOYEES' CREDIT UNION
Consumers have filed 2,179 complaints about State Employees' Credit Union since 2012, 635 of them in the last 12 months (+17% on the year before). It answered 99.7% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 37th most complained-about of 566 credit bureaus & report companies this year.
Average response record. How it works
- Complaints on record
- 2,179
- Last 12 months
- 635
- Answered on time
- 99.7%
- Closed with relief
- 0%
- Last 30 days
- 18
- Rank
- #37 of 566
Since April 2012
+17% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 2, 2026
Most complained-about credit bureaus & report companies
State Employees' Credit Union complaints by month
The busiest month was April 2026 (75 complaints). Complaints in the last 12 months are up 17% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How State Employees' Credit Union answered last 12 months
- Closed with explanation63499.8%
- In progress10.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time44/4599.7% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+17% vs last year
What State Employees' Credit Union complaints are about
Top State Employees' Credit Union problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 187
- Account status incorrect 133
- Information belongs to someone else 104
- Old information reappears or never goes away 21
- Public record information inaccurate 5
- Information is missing that should be on the report 4
Where State Employees' Credit Union complaints come from
Most complaints: North Carolina (1,933), Georgia (56), South Carolina (43), Virginia (25), Florida (25).
State Employees' Credit Union compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | OportunCredit reporting | 51 | 690 | C |
| 2 | Mariner FinanceCredit reporting | 52 | 663 | C |
| 3 | MicroBiltCredit reporting | 45 | 662 | D |
| 4 | KovoCredit reporting | 47 | 635 | D |
| 5 | State Employees' Credit UnionCredit reporting | 52 | 635 | C |
| 6 | Ipac'sCredit reporting | 0 | 617 | F |
| 7 | BMW Financial ServicesCredit reporting | 42 | 589 | D |
| 8 | First Technology Federal Credit UnionCredit reporting | 59 | 562 | C |
Compare side by side: State Employees' Credit Union vs Oportun · State Employees' Credit Union vs Mariner Finance · State Employees' Credit Union vs MicroBilt · State Employees' Credit Union vs Kovo
What people say about State Employees' Credit Union
All experiencesNo experiences with State Employees' Credit Union yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest State Employees' Credit Union complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 31, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 31, 2026 | Auto loans & leases | Getting a loan or leaseCredit denial | Explained |
| Oct 29, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 28, 2026 | Bank accounts | Managing an accountFee problem | Explained |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 27, 2026 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Oct 27, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 26, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Oct 26, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
Questions about State Employees' Credit Union
How many complaints does State Employees' Credit Union have?
State Employees' Credit Union has 2,179 complaints on record since April 2012, including 635 in the last 12 months and 18 in the last 30 days. That makes it number 169 of every company by complaints this year.
Does State Employees' Credit Union respond to complaints?
Yes. State Employees' Credit Union answered 99.7% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 52/100 (grade C).
What do people complain about most with State Employees' Credit Union?
The most common problems are incorrect information on your report (457), managing an account (313), took or threatened to take negative or legal action (172).
Is State Employees' Credit Union legit?
State Employees' Credit Union is a real company with a public complaint record: consumers have complained about it 2,179 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is State Employees' Credit Union legit? for the signals, red flags and how to protect yourself.
Are complaints about State Employees' Credit Union going up or down?
Up. There were 635 complaints in the last 12 months against 543 in the 12 before (+17%). See every month.
How do I file a complaint against State Employees' Credit Union?
Complain to State Employees' Credit Union in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most State Employees' Credit Union complaints come from?
Most come from North Carolina (1,933), Georgia (56), South Carolina (43). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about State Employees' Credit Union
No comments yet. Start the conversation - questions are welcome too.