This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 327 complaints

State Employees Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Complaints by issue type

What consumers report about State Employees Credit Union

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record state-employees-credit-union State Employees Credit Union

Grade C · 327 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #380 · compose #2

  • VOL 327
  • GRADE C
  • 12MO 199
  • STATES 10
  • TIMELY 100%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #380
  • COMPOSE #2

Volume peers

Nearest volume peer: Account Control Technology, Inc. (327 complaints)

Account Control Technology, Inc.Account Control Technology, …327Avadyne Health Holdings, IncAvadyne Health Holdings, Inc327Global Credit & Collection CorporationGlobal Credit & Collection C…327State Employees Credit Union (this)State Employees Credit Union…327Express Recovery Services, Inc.Express Recovery Services, I…328
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

State Employees Credit Union's 327 CFPB complaints sit next to Account Control Technology, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 327 complaints break down

Every complaint issue type on record for State Employees Credit Union, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.6/100
State Employees Credit Union

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
327
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

88.7% of State Employees Credit Union's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 88.7%
290 of 327 filings · 10 states touched
Spike month
2026-02 21.1%
30 filings that month · spiky (≥15% of series)
Corpus ranks
#380 volume
#2 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does State Employees Credit Union compare to its peers?

How does STATE EMPLOYEES CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
STATE EMPLOYEES CREDIT UNION National average
Complaints (last 12 mo)lower is better
199
20
268
Timely-response ratehigher is better
100%
92%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy State Employees Credit Union a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%5%10%15%20%25% Timely response rate (%) Dispute rate (%) State Employees Credit Union vs. 10 similar-volume peers, by response speed and dispute rate State Employees Credit UnionGlobal Credit & Collection CorporationAvadyne Health Holdings, IncAccount Control Technology, Inc.Express Recovery Services, Inc.Transfinancial Companies, IncPhillips & Cohen Associates, Ltd.North Shore Agency, LLCD&A Services, LLCCascade Capital, LLCHolloway Credit Solutions
Source: CFPB Consumer Complaint Database

State Employees Credit Union's complaint volume in context

State Employees Credit Union vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

327 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. State Employees Credit Union 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2023-01 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
156
Attempts to collect debt not owed
90
Written notification about debt
37
False statements or representation
36
Communication tactics
3
Cont'd attempts collect debt not owed
2
Electronic communications
2
Disclosure verification of debt
1

Where do complaints against State Employees Credit Union come from?

State Employees Credit Union's own per-state count, not a national baseline.

Top states by complaints against State Employees Credit Union

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for State Employees Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 327.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to State Employees Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.