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

Data updated July 2026

C

Grade C · 63.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: State Employees Credit Union ranks ahead of 53% of the 5,283 collectors PlainCollector grades - 47% keep a cleaner CFPB record, on 327 all-time complaints and a 100% timely-response rate.

53rd pct
reputation rank of 5,283 graded collectors
327
CFPB complaints, all-time
100%
answered inside the CFPB window
199
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about State Employees Credit Union?

State Employees Credit Union has accumulated 327 total CFPB complaints across 10 states, with 199 filed in the most recent 12 months against 128 historical complaints before that window. The trailing-12-month volume represents 60.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by North Carolina with 290 and Georgia with 12. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places State Employees Credit Union in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

327

mid-volume (CCDB)

Last 12 months

199

60.9% of all-time complaints

Rising ↑

States active

10

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

63.0/100 composite

How does State Employees Credit Union's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 53rd percentile higher than 53% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

State Employees Credit Union versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 17.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
STATE EMPLOYEES CREDIT… 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.

Complaint Trend (24 months)

2023-01 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if State Employees Credit Union contacts you

A grade of C signals how State Employees Credit Union's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really State Employees Credit Union and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how State Employees Credit Union ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 63.0/100), 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).

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

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.