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My husband and I on my mother in laws account. Her health has not been good for the past few years so we have started handling her finances.

She called my husband and I in tears telling us that someone called her from SECU and told her that she had a $8.500 dollar loan threw them that she had not started any payments on and if she didn't give them at least $160 that they were going to freeze her account and lock her out of and close it out and she said she never took out any loan for $8.500 that the only loan she had recently had threw them was an auto loan but that had been paid off. Suspecting a scam I asked for the number that called her so I could speak with them to see to see what was going on. Called the # and I got a recording saying they were SECU debt collection division that they were now closed but to leave my name, account #, and SSN on the recording and they would call back during normal buissness hours. Just from this place wanting her to leave that kind of information on a recording alone I wrote it off as a scam but now fearing scam people had her info we wanted to put temporary hold on her account from anything electronic being withdrawn from it.

Tried to call customer service about the issue all they told us (in a very snippy and unhelpful tone)was that they don't do temporary holds that we either had to come in and fill out a stop payment form or close out the account!!! And for both we would have to come into the SECU branch (closest SECU branch from were my husband and I live is over an hour away!!!) Looking over her bank statements we noticed on top of some strange activity that there had been a $8.500 line of credit on her account (which she never remembered taking out) Went to the branch for answers with her statement and they were just as unfriendly and unhelpful as the customer service # we called!!! They acted totally unconserned about the wired stuff and her bank statment and told us she had taken out an $8.500 line of credit for overdraft protection that it had all been used up and that she owed them $8.500 + interest and that she had not paid one dime back towards that line of credit that she needed to start making her first payment by the 15th of the month and that the minimum payment was $160 and that we better pay it now because she was already behind a month (they made it quite clear all they cared about was getting there money!!!!) When my husband and I tried to ask more questions about other things on her statement and how long ago she had taken out this line of credit they got very snippy with us and refused to answer any questions. We asked to see copy's of when she singed for this line of credit and how long ago it was and they told us the only thing they could do is mail it to us ( it never came in)!!!!

Yesterday I decided to take another look at her statements and I discovered that on the 15th of every month SECU has been taking out a withdraw of $160 from her checking for her line of credit account and I have only gotten as far back as 2013 on her statements but they were withdrawing the $160 even then so she has been paying $160 a month towards the line of credit account for at least 3 years that we know of right now after they told us she had not paid a dime on it. We even had asked them if this was overdraft protection shouldn't she only pay back what was used and once a deposit went it they money would get paid back and they told us that they do not deduct from deposits made to her account that she was responsible for making sure it got paid back but I have the proof right here that they flat out lied to us!!!! We also can not find or get them to show us any proof of were she agreed to this over draft protection line of credit so we will be fighting this!!!!! This bank needs to be investigated!!!!

SOMTHING IS NOT RIGHT WITH THIS PLACE!!!!! They really rub me the wrong way.

Reason of review: Poor customer service.

Location: La Plata, Maryland

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Guest

Get a lawyer....

Guest

SECU personnel, for the most part are unprofessional, lazy and rude. I had a car loan with them with payroll deduction.

This was a 4-yr loan and they were deducting every 2 weeks. Here we are, last payment and I received a notice that my payment was late and I was going to be sent to collections!! This notice was dated Jan 20 and I did not receive until Jan 25. Went to the closest branch because the customer reps are the phone are just plain ignorant.

I was told that the last payment had to be made in person in lieu of payroll deduction...lo and behold, I was never told that. To make matters worse, they charged me a late fee of over $30. The rep at the branch was helpful, assisted me and called the main office in getting the late fee removed. Told me to wait until I got call from main office to confirm the late fee removed, then pay off car loan.

Ignorant customer rep calls me and said 'I am calling about your delinquent loan'...first of all, get TRAINED, it is not a delinquent loan of you've been taking payments for 4 yrs!!!

Last payment...they make you feel like a criminal. SECU- YOUR business processes stink!!!!!!!!!!!!!!

Guest
reply icon Replying to comment of Guest-1121397

That also happened to me in December. My loan should've been paid off in November.

They kept rejecting my final payment and reversing the payment back into my account but gave no explanation why. I kept calling but nobody could tell me why after 5 yrs suddenly. I finally got a decent customer service person who explained that the last payment had to be paid in person. I went in and paid it and also had them remove the late fees.

Fortunately, they sent me my title within a month. Now I notice some random $3 fee being taken out of my savings which never happened before.

Now that my loan is paid off, I'm just going to close my account. It is too much of a hassle to deal with them.

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