What is the most common complaint against State Employees Credit Union?

The most common issue consumers report about State Employees Credit Union is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 327 complaints filed with the CFPB.

Are complaints against State Employees Credit Union increasing or decreasing?

Complaints against State Employees Credit Union are rising. The company received 199 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is State Employees Credit Union's reputation grade?

State Employees Credit Union has a reputation grade of C (score: 60.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does State Employees Credit Union respond to consumer complaints?

State Employees Credit Union has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does State Employees Credit Union operate?

State Employees Credit Union has received CFPB complaints from consumers in 10 states, with the most complaints from North Carolina (290 complaints).

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

State Employees Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade C.

Compiled by PlainCollector

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

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 #2295

VOL 327
GRADE C
12MO 199
STATES 10
TIMELY 100%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #380
COMPOSE #2,295

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: State Employees Credit Union is volume #380 but composite #2,295, while North Carolina dominates the geography. 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)
Divergent corpus ranks: #380 volume; #2,295 composite; Cleanest-composite ladder is 1,915 places worse than volume

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… National average

Complaints (last 12 mo)lower is better

199

268

Timely-response ratehigher is better

100%

92%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

North Carolina

290
Georgia

12
South Carolina

6
New York

5
Virginia

4
Florida

3
Texas

3
Arizona

1

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.