Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #11338347
Complaint Overview
Complaint ID: 11338347
Company: Suncoast Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Florida
ZIP Code: 33573
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint against both XXXX XXXX and my credit union regarding a series of unauthorized charges and a lack of proper investigation into the matter. I believe my rights as a consumer have been grossly violated, and I seek your assistance in rectifying this situation. In early XXXX, I rented a vehicle from XXXX at the XXXX XXXX. Due to the impending XXXX XXXX, the desk clerk appeared overwhelmed, which may have contributed to significant errors in processing my rental agreement. Notably, the contract inaccurately identified me as the holder of a Texas drivers licensesomething I have never possessed. Despite this confusion, I provided my debit card for payment, which was swiped for an initial charge of {$310.00}. Upon returning the vehicle as scheduled, I heard nothing from XXXX for two months. To my shock, they later processed an unauthorized charge of nearly {$1000.00} against my account using the initial authorization from XXXX. This transaction was allowed to go through by my credit union on a locked debit card that does not permit overdraft protection, resulting in an overdraft of {$1000.00}. I promptly disputed this charge on XXXX XXXX day it was postedalerting my bank that my card had been compromised and that I had not authorized this transaction. However, rather than conducting a thorough investigation as mandated by Regulation E, my bank denied my claim within less than one day based solely on the presence of the card during the initial transaction. This response is not only contrary to federal guidelines but also factually incorrect. XXXX did not obtain any further authorization beyond the original swipe for {$310.00} ; thus, their attempt to charge me an additional amount XXXX months later is unfounded. The bank 's fixation on a minor detail while neglecting their obligation to investigate has compounded this issue. The failure of both XXXX XXXX and my credit union to uphold their responsibilities has caused me considerable financial harm and distress. It is imperative that these institutions be held accountable for their actionsor lack thereofand that I am reimbursed for this unauthorized charge. I respectfully request your intervention in ensuring that my credit union follows federal law by conducting a proper investigation into this matter and rectifying their error in allowing an unauthorized charge to post against my account. Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in recovering my funds
Frequently Asked Questions
What is Complaint #11338347 about?
Complaint #11338347 was filed against Suncoast Credit Union regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2024-12-31T12:00:00-05:00.
How did Suncoast Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Suncoast Credit Union?
Yes, visit the Suncoast Credit Union company profile at readthecomplaint.com/company/suncoast-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.