Suncoast Credit Union

I am filing a complaint against multiple debt collection agencies for engaging in unlawful collection practices and credit reporting violations under the FDCPA and FCRA. After disputing the alleged debts and requesting validation under XXXX XXXX. XXXX, the companies failed to provide sufficient documentation proving I owe the debts, such as signed agreements, chain-of-title records, ownership proof, or a full account breakdown. Despite this, they continue collection efforts and may be reporting unverified information to credit bureaus. These actions potentially violate several provisions of federal law, including failures to validate debts, misleading representations, unfair practices, improper collection activity, and inaccurate credit reporting. Overall, their conduct suggests a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information, which may expose them to legal liability.

I am filing a complaint about serious servicing errors by Suncoast Credit Union involving a Home Equity Line of Credit ( HELOC ) and my first mortgage. I was current on my mortgage, as shown in my XXXX payment history. Suncoast reinstated an old HELOC without notice, without sending statements, and without providing any accounting for years. I did not receive required disclosures or explanations about the balance or how it was calculated. Suncoast then initiated a lawsuit and wage garnishment even though I had no prior notice of any amount due. I repeatedly asked Suncoast for information and documentation, including a full accounting, statements, and an explanation of the reinstatement. They did not provide the required information. Because of Suncoasts actions, I was forced to refinance and pay off the loan on XX/XX/XXXX. This caused financial harm.…

Read full complaint at CFPB →

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. The account in question is currently being reported as follows : Creditor : SUNCOAST CU Reported Balance : {$440.00} Bureau : TransUnion Account Status : Open Opened : XX/XX/XXXX Type : Unsecured Loan Your response consisted of a generic summary of charges or statement balance, which does not satisfy federal requirements for proper debt validation.…

Read full complaint at CFPB →

I purchased a used vehicle in XX/XX/XXXX XXXX purchased extended warranties. Afterwards I decided I did not want the warranties so cancelled the warranties with XXXX XXXX. XXXX Administrators then issued XXXX refund checks XXXX XXXX ( my lienholder ). XXXX check in the amount of {$3300.00}, another in the amount of {$1300.00} XXXX another in the amount of {$2000.00}. These were mailed out on XX/XX/XXXX to XXXX by XXXX XXXX. XXXX checks were credited XXXX my loan account the XXXX for {$3300.00} XXXX {$1300.00}. The {$2000.00} refund was never credited XXXX my account. I therefore called both Suncoast XXXX XXXX Administrators XXXX was told I had XXXX wait until XX/XX/XXXX XXXX call back XXXX follow up. XXXX I called XXXX administrators and confirmed that all the refund checks were mailed XXXX XXXX on XX/XX/XXXX XXXX were all cashed by XXXX. They gave me the check number of the missing {$2000.00} refund which is check no.…

Read full complaint at CFPB →

My card was declined at the store. I then called and asked if my card was blocked for any reason, they said no. I said, are you sure because my card got declined? She said no, but I can transfer you to the XXXX department to make sure that it's not blocked. I said ok, she transferred me and also verified that my card was not blocked. I let them know that my rent was due. And was coming up, so I need to make sure this card is open and available for it to be charged. They again assured me my card was fine. Days later, after traveling, I come home to a letter on my door saying that my rent was late.And my card was declined. I called the bank to find out why and they said that my card was blocked and that they were going to unblock it. I said that's weird because I called the week ago and they told me my card was not blocked and she said no. You were told your card was blocked and I said, no, why would I leave it blocked? Knowing that my rent was coming through anyway.…

Read full complaint at CFPB →

It occurred on XX/XX/XXXX I was contacted by a business man on a website named XX/XX/XXXX. He stated he would pay me for images of my feet. He sent a check for {$500.00} and I had to transfer it to my cash app, concert it to bitcoin and send them the link. Then he sent another check for {$2000.00} to be deposited into my savings and I had to wait for it to clear. My account showed suspicious charges and then he sent another {$500.00} check to deposit into my checking account. He wanted me to do the same process but I got suspicious bc I already did what they said needed to be done to get on his payroll. On XX/XX/XXXX I realized my account was frozen and under review for fraudulent activity. I contacted the bank they said I will be responsible for {$1000.00} dollars or my account will go into collections.

YESTERDAY MY CAR WAS REPOSSESSED I ASKED FOR FURTHER CONTACT FROM SOMEONE IN THE HIGHER DEPARTMENT AND I WOULD LIKE FOR A SUPERVISOR FROM THE REPOSSESSION DEPARTMENT AS WELL AS IVE ASKED FOR SOMEONE TO CONTACT ME WITHIN THE LAST 24 HOURS! AS STATED YESTERDAY MY CAR JUST GOT REPOSSESSED AND I STATED I CANT MAKE THE FULL PAYMENT OF {$4700.00} THAT IS DUE BUT {$1200.00} AND I CAN MAKE WEEKLY PAYMENTS OF {$1200.00} TO BRING THE ACCOUNT CURRENT! I WAS TOLD THAT A SUPERVISOR WILL TAKE 24-48 HOURS AND MY VEHICLE IS AT A TOWING YARD WHICH CHARGES DAILY FOR THE STORAGE FEES! NO ONE HAS REACHED OUT! I ALSO STATED THAT MY CARD WAS STOLEN WHICH I NEVER RECEIVED UNTIL 3 WEEKS AFTER I MADE A PROMISE TO PAY AND I WAS GETTING READY TO MAKE THE PAYMENT WHEN THE TOW TRUCK CAME AND TOWED IT OUT OF MY YARD!

Suncoast credit union gave my children information to a marketing company and that company was hacked and their social security numbers were stolen they sent me a letter to sign up to XXXX but I told them that that company was hacked before and my information was taken and that I am not comfortable with adding my childrens information to that company they did not try to give me other options because they work specifically with that company

I am filing a complaint regarding Suncoast Credit Unions mishandling of my auto loan and their failure to honor a written payoff notice they issued to me. Suncoast Credit Union sent me an official written letter stating that my auto loan had been paid off. This letter was clear, unambiguous, and appeared to be a final and authoritative communication regarding the status of my loan. I relied on this written confirmation as accurate and complete. Suncoast later claimed that the payoff letter was issued in error. However, they never provided a written correction, explanation, or acknowledgment of their mistake. Instead, Suncoast unilaterally created a new loan, mailed me a new loan packet, and proceeded as if the original payoff notice had no effect. This was done without proper disclosure, borrower acknowledgment, or written clarification of how or why the original loan was allegedly reinstated. I contacted Suncoast in writing to dispute this issue and to request clarification.…

Read full complaint at CFPB →

Suncoast Credit Union did nothing to protect us against the theft that occurred out of our business account. We hadn't actually started using the account yet when the theft occurred, and didn't notice it within their window of 60 days for a portion of it. They made no recourse, offered no suggestions on what to do, didn't seem concerned about us in the slightest, even though we are a brand new business, and {$1600.00} is a lot of money to us right now. They completely dismissed us, leaving us to research how to find out about our money that was stolen and the recourse on our own. The original fraudulent claim number is XXXX

I have 6 open complaints with my bank Suncoast XXXX XXXX XXXX All of wich address fruad and fraudulent activities on my accounts and my personal info. I called today to address a letter I recieved stating my entire life was stolen from a 3rd party marketing vendor XX/XX/year> at XXXXXXXX XXXX and once again I was met with absolutely no regard for me or my lively hood. I was gas lite and made to believe its not that big of deal. I was advised by the lady I spoke with that my info XXXX have been stolen. Its not garunteed. I then read the letter verbatim where it states my DOB and SSN were absolutely stolen. She began to speak to me dismissive as if my concerns were over dramatized. Criminals have enough of my info to come to my house and kill me. Thats not being over dramatic thats the truth. They have my DOB and SSN and thats more than enough for some one with the tools to hack a data base to get your address. These are Criminals and potentially killers.…

Read full complaint at CFPB →

Suncoast Federal Credit Union is blatantly disregarding the fruad epidemic currently taking place within there institutions and the document im sending over is irrefutable proof they are not properly handling the fruad and scams taking place. They refuse to take responsibility and admitt accountability on there part. In the document it states my entire identity was stolen from a XXXX party marketing firm. I demand to know why my personal banking info was sold/shared with a XXXX party vendor. There has to be a law against this. It also its my responsibility to further protect myself by signing up for a credit protection? That in no way is my responsibility! I have repeadtly put in complaints against this bank. I currently have XXXX open investigatations through this agency with XXXX actions being implemented by both institutions. The bank and the CFPB. My accounts have been hacked several times this year.…

Read full complaint at CFPB →

On XX/XX/XXXX, at approximately XXXX XXXX, I contacted Suncoast Credit Union regarding a charged-off account reporting a past-due balance of {$410.00}. Suncoast Credit Union stated that they no longer own or service the account and that it was transferred to Conserve. I then contacted XXXX at XXXX and spoke with multiple representatives, including a supervisor named XXXX XXXX. XXXX stated that they do not own the account and that Suncoast Credit Union is still responsible. As a result, both companies deny ownership of the debt. In addition, the account is reporting inconsistent balances ( {$410.00} vs. {$410.00} ), an incorrect last payment date of XX/XX/XXXX, and continued charge-off status despite unverifiable ownership. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), information reported must be accurate and verifiable. Under 15 U.S.C. 1681i, any information that can not be verified after a reasonable investigation must be deleted.…

Read full complaint at CFPB →

I purchased a vehicle from a licensed dealer with an agreed selling price of {$27000.00}, which was confirmed to me prior to signing and reflected in dealer documentation at the time of sale. The vehicle was also publicly advertised in the {$27000.00} {$27000.00} range. After the transaction was completed, I discovered that additional dealer-added charges and add-on products had been rolled into the financed amount, increasing the total cost well beyond what I understood and agreed to. The loan reflects a purchase price of {$29000.00}, along with additional charges that were not meaningfully disclosed as optional or clearly explained during the sales or finance process.…

Read full complaint at CFPB →

Suncoast Credit Union repossessed my vehicle while continuing to accept partial payments that had been routinely accepted for approximately XXXX years, without providing notice that partial payments would no longer be accepted or that repossession was imminent. I was aware my account was past due beginning in XXXX and continued making partial payments in an effort to cure the delinquency. A partial payment was made on XX/XX/XXXX and accepted by XXXX. On XX/XX/XXXX, I received a standard past-due email notice that contained no mention of repossession or any change in payment acceptance. On XX/XX/XXXX, I made another partial payment, which was also accepted and credited. At no point was I advised verbally, electronically, or by mail that partial payments would no longer be accepted or that repossession was pending. My vehicle was repossessed on the evening of XX/XX/XXXX. Immediately following repossession, I made a payment covering nearly the entire past-due balance.…

Read full complaint at CFPB →

I was garunteed a new credit card within XXXX business days. Today marks day XXXX and no card. My credit card was saved into a merchants system and was debited over XXXX dollars in a XXXX month period. The bank simply disputed XXXX months of charges and told me the other charges are out of the statue of limitations. So there is a time period now in wich they wont investigate up to XXXX months back? So my lively is only protected within 6 month periods?! They repeadtly hang up on me when I call and they avoid any all accountability in regards to this matter by saying they dont have to listen to me. Instead my account was vindictivly shut down just to make it even more difficult on me than it allready is. The only time i ever recieved a call back the lady told me this is a bank and they have a responsibility to there shareholders first. First and foremost is profits.…

Read full complaint at CFPB →

I have called my bank over 4 times in regards to getting a replacement card. All 4 times I was promised and garunteed my card was in the mail. I called again today XX/XX/scrub>XXXX XXXX XXXX XXXX and spoke to a lady who advised me my card was never sent. It wasnt even in the system as sent. She advised me it clearly shows in her system that the card was never sent because of low funds. This was maliciously and vindictivly done by disgruntled employees becuase of some negative interactions with them. I lost my temper when an employee was mocking me on the phone and purposely being sarcastic and nasty. He refused any and all of my request and made it abundantly clear he didnt care. Iv asked them to pull the previous conversation to confirm what im saying and I was told I had to do a leagl request to pull those calls. I HAD TO .. not the bank. Thays insanity.

I am resubmitting this complaint because I was never contacted by the Consumer Financial Protection Bureau, and the banks response contains serious inaccuracies that require review. The individual listed as the responding representative for Suncoast Credit Union does not appear in the Suncoast Credit Union employee directory, raising concerns that the banks response may have been submitted by an unauthorized or misrepresented party. This casts doubt on the legitimacy and completeness of the banks internal investigation. My mother, XXXX XXXX, is a vulnerable adult with a cognitive impairment. She has severe memory loss, lacks capacity to manage financial affairs, and is currently involved in a Florida guardianship proceeding. SunCoast Credit Union received medical documentation showing her incapacity. Despite this, the bank allowed her to revoke a Durable Power of Attorney ( XXXX ), the same XXXX that was expressly created to be used in the event of incapacity.…

Read full complaint at CFPB →

This bank ( Suncoast Federal Credit Union ) obviously believes it XXXX XXXX the customers job to stop incoming fruad. Several times last year my accounts were hacked. Iv had to cancel my accounts and reorder all new cards at least 3 times last year. The bank tells me there is nothing they can do. I have to do my due diligence in stopping the scams and fraud. Iv positively identified one of the companies and given them the information. They dont care. No investigation. No acceptance of negligence on there part by allowing these giant corporations to save your personal information and credit card info and charge you as they see fit. They tell me its not there job. Its mine. My accountants cant access any of my accounts becuase iv had to change them so many times in the past year the bank just can not even find the statements anymore. I cant pay my taxes if the bank cant keep proper account info. This getting out of hand.…

Read full complaint at CFPB →

Im literally trying to call suncoast to report suspicious activity on my debit card. Upon calling, after 10 minutes of prompts and the system hanging up on me twice, i finally get a live person. He immediately met me with sarcasm. I asked him for a supervisor and he made a snarky remark. ( Just pull the call logs and you'll hear it. ) He put me on hold for over 20 minutes as a vindictive act for asking for a supervisor. This is absolutely unacceptable. My lively hood is literally in the balance and my bank thinks its okay to treat there customers like garbage. Now my card is in danger of further fruadently activity and I cant even call to report it.

Suncoast Credit union repossessed my car in the middle of a complaint for the money they OWE me for disputes they did not allow me to do. On top of this no one contacted me to let me know my car was being repossessed and I am a XXXX XXXX XXXX with XXXX XXXX XXXX in the car. So now they have essentially stolen XXXX XXXX supplies that are not their supplies, when all they needed to do was ring the front school door, tell them what they are doing and give me a chance to get my belongings back. I have no idea what I owe, and was waiting to pay until the complaint was resolved.

My credit card was saved into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX for a subscription. I tried to recently remove my payment and was denied. I was told I had to put another card in its place. This should be 100 % illegal and we need laws in place to enforce it starting at the banking level. I have spent countless hours on the phone with my bank and I have gotten nothing but an unwillingness to help and care. Instead of helping me they told me i had to cancel my credit cards. I asked if they could call the company and figure out what's going. I was advised that all fruad and scam activities are my responsibility. They are just a bank. They can not keep up with all the scams and fraud happening in our country and I was advised to do my due diligence and figure it out my self. In a nut shell. XXXX had my business account hacked this year at least twice now with absolutely no willingness to find out who was behind it.…

Read full complaint at CFPB →

TIMELINE SUMMARY AUTO FINANCING & DISCLOSURE FAILURES XXXXXXXX XXXX XXXXXXXX XXXX, FL | XXXX XXXX Complainant : XXXX XXXX Vehicle : XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX XX/XX/XXXX Sales Agreement I visited XXXX of XXXX XXXX as a senior, first-time car buyer and widow of a XXXX XXXX XXXX I clearly stated : Maximum purchase budget : {$20000.00} Needed detailed explanations due to lack of experience Sales agent represented that : Total price was {$24000.00} all-inclusive I would pay {$5000.00} down and finance {$19000.00}, though I was willing to pay in full. Sales agent advised better to get a loan even for just XXXX month. I relied entirely on dealership representations. XX/XX/XXXX XXXX & XXXX Execution I was transferred to the finance department. Finance manager : Sold multiple warranty products using high-pressure tactics Stated warranties could be canceled anytime Represented interest rate would be 5.25 % No documents were explained.…

Read full complaint at CFPB →

On XX/XX/year>, the bank unlawfully removed a valid Florida Durable Power of Attorney and froze the principals accounts based on instructions from an individual who had been deemed incompetent, despite having prior notice of the principals medical incapacity. The Durable Power of Attorney was executed specifically to remain effective upon incapacity and to protect the principal from financial exploitation. Notwithstanding this, bank personnel after being informed of the principals conditionaccepted and acted upon directions from the incapacitated principal, which were influenced by the principals daughter, XXXX XXXX, who had previously been flagged for attempted financial exploitation of the principal prior to the execution of the Durable Power of Attorney.…

Read full complaint at CFPB →

I deposited two money orders into a business checking account and Suncoast has placed a hold on the certified funds. I called and asked them to remove the hold, and I was transferred to risk management where they refused to release the hold on the certified funds. I have multiple accounts at this institution and believe consideration should have been made based upon my credit history with this credit union. I do not believe placing a hold on certified funds is acceptable.

XXXX XXXX XXXXXX/XX/XXXX, Florida XX/XX/XXXXXX/XX/XXXXXX/XX/year> SUNCOAST XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. I dispute this debt in its entirety and request that you provide proper verification. Please provide the following documentation : XXXX. Proof of the original debt, including the name of the original creditor and the original account number. XXXX. A copy of the original contract or agreement bearing my signature that created the alleged obligation. XXXX. An itemized statement showing the amount claimed, including principal, interest, fees, and any other charges. XXXX. Proof of your legal right to collect this debt, including a complete chain of title. XXXX.…

Read full complaint at CFPB →

Immediate Removal of Unauthorized Account Suncoast Credit Union To Whom It May Concern, I am submitting this complaint to formally dispute an account currently appearing on my credit report that I do not recognize. I do not recall applying for this account and was unaware of any charges associated with it. * * Company : * * Suncoast Credit Union * * Account Number : XXXX XXXX XXXX XXXX XXXX Credit Bureau Reporting : XXXX XXXX XXXX This account was opened without my knowledge or authorization and is therefore inaccurate. I did not apply for, authorize, or consent to this account, nor did I benefit from it in any way. Because this account is unauthorized, its reporting violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be * * removed immediately * * from my XXXX credit report. I respectfully request prompt action to correct this inaccurate reporting, as it is negatively impacting my credit profile.…

Read full complaint at CFPB →

The financial institution is using a federally registered trademarked name, XXXX XXXX XXXX, in connection with financial reporting and/or federal tax information returns without authorization. I have reason to believe the institution filed, or caused to be filed, one or more IRS information returns, including but not limited to Forms 1099-A, 1099-C, or 1099-K, using this protected trademark name. Despite written request, the institution has failed to provide a copy of any such filing or certify in writing that no such filing occurred. This constitutes inaccurate reporting, lack of permissible purpose, and unauthorized commercial use of a protected trademark. Federal law requires accurate payee reporting, disclosure to the named payee, and timely correction of erroneous filings.…

Read full complaint at CFPB →

On XX/XX/year>, I was a victim of a scam that resulted in a loss of {$4000.00}. I immediately contacted Suncoast Credit Union to report the incident on the phone and was instructed to come in to a branch location. XX/XX/year>, my wife and I went to their XXXX XXXXXXXX XXXX XXXX in XXXX Florida and filed an official Affidavit of Fraud. During our interaction with the Suncoast representative ( XXXX XXXX ), I was explicity told that there was a " very high likelihood '' of reimbursement based on the details of my case. She even went on to inform us that she has had at least 3 other cases similar to ours and all of which received full reimbusment from Suncoast. She stated that she has never not seen anyone get reimbursed in a case like ours and that it was actually a good thing that the scammers did not physically get into my account. XXXX mentioned we were extremely good candidates due to the relevant facts of our case.…

Read full complaint at CFPB →

Consumer : XXXX XXXX Issue : Electronic bill pay payments not applied Between XX/XX/year> and XX/XX/year>, I sent weekly {$30.00} electronic bill pay payments from my Suncoast Credit Union account to the U.S. Department of Education for federal student loans serviced by XXXX. Total amount : {$810.00}. None of these payments were applied. I have opened two complaints with XXXX. ( Case # XXXX and # XXXX ) Both cases were closed with no resolution. XXXX confirmed in writing in response to the second case I opened that it can not locate the payments and does not have XXXX access. Suncoast has failed to initiate recovery or indemnification. I have gone into the credit union on two different occasions. Both resulted in cases being open. There has been no follow up from either case. This is the first case # XXXX XXXX.