I opened an account with North Carolina State Employees Credit Union upon relocating to North Carolina.
I had been a credit union member in another state and enjoyed the personal service I received.
Last summer, some suspcious transactions occurred on my debit card and we asked the credit union for help. We were keen to learn who may have obtained my debit card, and more importantly, how they obtained my security code.
The bank representative insisted that we needed a police report in order to view the microfilm. We later learned this, in fact, was not a requirement and bank staff could have pulled up the film with a few keystrokes.
From the outset, we had great difficulty with the bank's staff.
A few months earlier, I became quite ill. At the time, I was handicapped.
NCSECU staff were indifferent and made no accomodation for my disability.
We were advised by bank officials to file a police report with the Clayton police. We went to Clayton police and were referred to Garner police. In Garner, we were referred to the Wake County Sheriff's Department. WCSO referred us to the Raleigh police and the RPD referred us back to WCSO. All the time, the bank offered no assistance.
Ultimately, we filed a report with Wake County Sheriff's Department. We collated all suspicious charges and even included ones I was fairly certain I had made but had a minor degree of uncertainty. The medication I was taking at the time adversely affected my short term memory. All of this was fully explained to the bank and Sheriff's department.
My father, an 84 year-old retired orthodontist went with me to the bank and police departments.
Several weeks later we were contacted by a WCSO investigator.He invited me down to view the microfilm. Unbeknownst to me, I was there for interrogation. I was never advised I was being interrogated, nor was I offered an attorney.
In reviewing the microfilm, there were a total of 12 transactions. All of the photos were very dark. It appeared I was in the first two photos (even though it was difficult to say for certain), however, the remaining 10 transactions were several people whom I did not recognize.
After 2.5 hours of interrogation, I was arrested for filing a false police report. I was handcuffed and taken to jail. I've never been arrested in my life.
A week later, a colour photo, along with the charge, appeared in a community newspaper. Several people from our church saw the photo and it became quite an "item."
We only filed the charges because Bank officials insisted we have a police report in order to view the microfilm.
Ultimately, the charges were dismissed but do you think we received an apology from the bank?
During the near six months before the charges were dismissed, I waited and worried. My mental health condition exacerbated to the point I could barely function. I became increasingly afraid to leave the house. I experienced daily anxiety attacks and went to the hospital several times. I lived (and still live) in constant fear that I'll again be arrested for without cause.
Even though the charges were dismissed, we never received so much as an apology from the North Carolina State Employees Credit Union. They never offered to refund the monies withdrawn by the people in the remaining 10 transactions.