... but in good faith!
✅ "If you would like to reply to this message or send additional information, please select reply.
| Date: | 1/6/2024 | ||
| Subject: | URGENT PLEASE READ- BILLPAY NOTIFICATION | ||
| From: | BillPay Services | ||
| You are receiving this message because you had one or more BillPay checks scheduled for 1/2/24 that were printed with an error that may affect check processing. This does not affect any electronic payments scheduled for the same date. Please review any check payments you had scheduled for 1/2/24 and follow up [why do I have to follow up - can't you do it?] with the payee to confirm the payment was processed without issue. If the payment was not processed or for assistance with any other remediation efforts, please contact your local branch, reply to this message, or call 24/7 Member Services at 888-732-8562." | |||
😎 How long does a late payment stay on your credit report?
If you make a late payment, it stays on your credit report for a full seven years
unless it’s an error. If it is an error, be sure to submit a dispute [I have to submit a dispute to correct your error?] to
remove it from your report. After seven years, it’ll drop off your
credit report and won’t affect your credit score.
Or you could "reply" to...
Mona Moon: Chair
Stelfanie Williams: Vice Chair
Jennifer Haygood: Secretary/Treasurer
Of course, this was an "in good faith" error on the part of our credit union. Requires no apology or follow up to correct if it is made "in good faith"!
ReplyDeleteIs 10,00plus the right number of checks/
DeleteAnyone know the actual #?
DeleteWho did this get outsourced to? why?
DeleteCan we out source the CEO? How about the remaining 8?
DeleteNo owning up and taking responsibility as usual. Is anyone even surprised at this point?
ReplyDeleteTo err is human, to admit it is unthinkable for SECU.
DeleteAMEX has a credit score simulator tool. Just checked and if I am late 30 days on just 1 account for 30 days my credit score drops 75 points. That would generally drop most everyone to a lower tier on a risk-based lending system. The 1 late payment remains on the credit report for 7 years. Welcome to the fairness of RBL
ReplyDeletePaying over 30 days late should drop your score a lot. Most lenders assess a late fee way before that time. Why is that outrageous? Thirty days past the due date is a LONG time and is one heck of a grace period.
Delete@2.14 You should be blessed with a cushy job, a steady income stream and a stable financial situation. Not everyone is. There are some of us who now have to juggle our monthly budget to handle late fees, realign our budget, cope with unexpected expenses, medical bills, etc. It's always easy to spout logistics when you are not the one caught in the trap, in a position of safety. Please be realistic and empathize with the average membership. To some 'LONG' is really 'SHORT'.
DeleteTo someone in a low paying hourly job this small late fee throws their whole monthly financials off. Let us not lose our core human values all because a flaw has been exposed.
Why should it "drop my score a lot", especially if the credit score and credit record have been good with SECU for 50 years?
DeleteIf a creditor makes an error...say by mis-sending a billpay causing a delinquency, why should I have to correct it?...and why if I don't correct it does the error stay on my record for seven years? And SECU (which made the error) then charges me more on all loans, because of their error?!?
And by the way how does a late fee help a member struggling to pay bills? And do you feel its justified to charge a late fee to a long term member with a great credit record who simply forgot. Did you realize that interest continues to accrue whether or not the member is late in paying... so the CU doesn't lose anything.
My experience is that most folks are good and nobody is perfect...but perhaps you're the exception?! Is it difficult being perfect?
It does get exhausting being right.
DeleteMercy and Grace is absent from those who feel they won't ever need it ... may you have a change of heart and compassion for those who struggle with payday to payday finances.
Delete"It does get exhausting being right."
Deleteimmature leadership with foolish ambitions!
Stop trying to reason with an AH. We all know the type.
DeleteThis is the new Legacy Leigh.
Delete@ 2.14 "Paying over 30 days late should drop your score a lot. Most lenders assess a late fee way before that time. Why is that outrageous? Thirty days past the due date is a LONG time and is one heck of a grace period."
DeleteThe arrogance you exude when it's your fault and not the members. Speechless and irresponsible!
There’s a big difference between intentionally not paying a bill for 30 days and paying a bill but it not clearing due to an issue with your financial institution..
DeleteNo notice on website
ReplyDeleteIndustry standard!
DeleteAlmost 2 decades ago one of my bill pay checks didn't make it out and I got reported to the credit bureaus. I found this out while checking my credit report and called SECU dreading what hoops I have to jump through to get this. It was a very simple, no issue scenario. SECU accepted the responsibility, called the company, explained the situation and faxed them a letter as the first step. The 2nd and last step was they did the same with all 3 credit bureaus. Everything was taken care of in a few hours. I started the day with apprehensions and ended the day as an extreme happy and satisfied member. That was professionalism to the core, providing great value and beyond expectations service.
ReplyDeleteI don't even want to think about SECU now, leave alone do a comparison. I will this at pathetic, miserable, power hungry and money grabbing non-professional C-suites.
Well, it's not the current crew's fault that you were spoilt by the previous legacies. They weren't smart enough to tell you to review, follow up, keep an eye out, dispute the credit report and suck it up for 7 years if it didn't work.
DeleteNow the member /owners are spoiled by having those who serve them Do the Right Thing ...
DeleteYou don't belong in the service industry ...
Go find your passion elsewhere ...
"Well, it's not the current crew's fault that you were spoilt by the previous legacies. They weren't smart enough to tell you to review, follow up, keep an eye out, dispute the credit report and suck it up for 7 years if it didn't work."
DeleteThis comment sums up the whole new/new mentality at The SECU Bank. Thanks Board/Gym/LB!
Wait till I tell my fellow member/owners about THIS comment ....
Not the original poster, but fairly certain that was sarcasm.
Delete"Not the original poster, but fairly certain that was sarcasm."
DeleteTheir history says otherwise ...
The Board has created a Gym/gem at SECU. Thanks for your idiotic, negligent leadership.
DeleteOriginal poster here. Didn't mean to cause confusion.
DeleteThat was purely 100% sarcasm. Vexed and frustrated to have to deal with all this now. Call center said they cannot do anything about it. So need to send the payment directly to the party to avoid late fee and/or getting reported, keep an eye out to see if the messed up check gets cleared, if it does then ask for the money back. Add to that need to shuffle bills around to make up for the additional payment - in case the billpay check clears.
And I get to read the justification and support of the mess without responsibility with a "Why is that outrageous? Thirty days past the due date is a LONG time and is one heck of a grace period." comment.
When is the new crew going to step up to the plate, take responsibility for their disastrous decisions / actions and own up to them and make things right? They are only digging their heels more strongly. Their ego is costing the members dearly. Too much pride and ego doesn't serve anyone, even them.
The so called 'legacies' are indeed leaving a good legacy behind. What do these drifters have to leave? Destruction and chaos.
["why do I have to follow up - can't you do it?]"
ReplyDeleteThanks but I'll handle this, there is NO WAY I would let them do ANY follow up for me!!!
"[I have to submit a dispute to correct your error?]"
and 'HOPE' this is corrected... we have unqualified people EVERYWHERE ... it may get fixed and it may not!
... and it could get corrected yet still ding you ... I mean who do you trust nowadays? I guess you could email the AG and see what their response would be. Good Luck!
"Bombastica: It's the cost of doing business."
ReplyDeleteSo everyone get over it and go fix your mess now without wasting time.
Lol. You got his pulse...
DeleteChatGPT-AI says Bomba sucks. Is that true?
ReplyDeleteIf ChatGPT-AI says so, then it must be true. Even it cannot stand bombastica.
Deleteso what's all the fuss? outsourced check printing to a company that doesn't know to use magnetic ink. minor error. maybe it will be fixed next month. In the meantime the call center folks and branch employees can talk to the members. Tell the member to figure out how to fix it themsleves.
ReplyDeleteThought we hired you to do things right and to do the right thing. Why have you abandoned us?
DeleteWhy are we as members no longer important?
What's Poor Leigh's number? she should be handling these calls. Maybe send some to Mona, Stelfanie and Jennifer. Leave the call center and branches out of this one! why the heck isn't SECU reissuing corrected checks and putting this right? what is going on??
ReplyDeleteWhat's the wait time on mss calls really? Are you tracking it? What's the queue look like normally? Seriously, how much of a problem do we have?
DeleteThere is a real serious issue in the contact center. Employees were promised that they could bid on their shifts again next month but now that was taken away. I got a terrible schedule when we did the shift bidding in September and was told just to wait until february. If my numbers were good I would get a better shift. Now I'm stuck on this shift
DeleteMona Moon, do support this incompetence? You are our leader. What say?
ReplyDelete“to whom much is given, much will be required”
DeleteTime for the board to make a stand ...
Keep smiling Haygood this is on your watch. UNC equally reliable under your leadership?
Delete"They are SECU"!
DeleteHouston, we have a problem. Call Leigh and Mona in Hawaii. 10-4! Roger that.
ReplyDeleteLeigh always screens her calls. Mainly because she doesn't know what is happening in real world secu and doesn't know how to answer.
DeleteThat’s not true at all
DeleteWhat is her direct number?
DeleteSECU used to provide stellar customer service and member care. It grew every year for 85 years without any marketing.
ReplyDeleteThe new SECU has a whole marketing department, loses money, and tells the member to figure it out. Is that the strategic plan?
Member: Wrong Ink? What the what happened???
ReplyDeleteSECU: You go figure it out.
31 days later...
Member: I need a loan to buy a car.
SECU: Great! It'll just cost you 1% more now because we hired a vendor who doesn't know which ink to use and you didn't have time to figure it out.
Member: Wait, where did you get the money to pay that vendor?
SECU: You!
Ooh. Really good and perfect. Got a bright future with SECU. Brady and Bombastica will create a new department for you and consult you instead of all these contracted vendors. Submit your resume ASAP.
DeleteThey're just winging it at this point ... and they hate the fact they have member/owners who care about this institution!
ReplyDeleteWhen the SHTF, these people who are at the top will be the biggest whiners on the planet while those who have learned to live with less will thrive ...
ReplyDeleteThis is truly showing the flaws in Leigh’s leadership. Now let’s talk about that career path that front line employees have been waiting for over a year now with no pay increases or promotions. You think these career paths affect the executive level? Nope. They will create brand new positions out of thin air. Remember when we had no Associate EVPs or Sr Associate EVPs? These look like positions that were created for Bombastic to bring over his First Citizens terrorists and plague the credit union.
ReplyDeletecareer path... CAREER PATH!!! We don't need no stinking career path ... Let's outsource ALL jobs ... except ours! I like my cushy life ....
Deletesigned
Head of Dept with no responsibility
Career path is the jargon they coined to fool the employees. Nothing has changed except st the top level. It's the C-Suite's career path.
DeleteI contacted a local government that my water/sewer payment was sent to via bill pay check. I also explained many others may be affected by the same issue so I wanted to provide a heads up. They were empathetic but asked a simple question, "Why can SECU not reach out to affected parties and tell them directly?" I wasn't sure how to answer that so I went with I don't know why. Sad.
ReplyDeleteand the goodwill of 85 years takes another hit...
DeleteSECU sounds Wells Fargo. How many executives did they hire from WF?
ReplyDeletethey're all cut from the same cloth ...
DeleteWho is head SVP or whatever you call it of Bill Pay Services that sent out that absurd letter telling me that I need to fix the problem SECU created for me? What is my local branch or call center going to do? Sounds like this person has totally shrugged off their complete incompetence onto the membership. and that Leigh Brady and This Board are AOK with it. How many members use bill pay? how many members are now looking for another financial institution? one calamity after another. How long can this avalanche (it is much more than a slide) into mediocrity go on?
ReplyDeleteHarvard, UPenn knew how to fix the problem.
Deletethe problem they created ... LOL keep drinking the kool-aid! That's like a fireman putting out a fire they started!!!
DeleteJust when I thought you actually did something valuable with your time
ReplyDelete@2:14 imagine this....... Many many many SECU employees are the folks living paycheck to paycheck and struggling to keep up with bills.
ReplyDeleteSigned,
A struggling SECU employee
they aren't even aware of the common people's plight, they live in a bubble!
Delete