Consumer complaint received 2021-05-22
Company: SUNCOAST CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Unless we agree to submit a request in writing to Suncoast Credit Union 's Bankruptcy Department requesting the amount needed to release the lien on our vehicle and paying that amount, ( which is a " remaining balance due '' on one credit card and checking account negative balance ) both of which have been " cross-collateralized '' to our now-paid-off, title-only auto loan, Suncoast will have the right to repossess my wife 's XXXX XXXX XXXX. 

My wife is partially XXXX and the XXXX is the only vehicle she is capable of physically entering and driving. due to significant mobility issues. I am XXXX years of age and she is XXXX years of age and she is diagnosed XXXX XXXX XXXX. 

We are struggling financially with my being forced to work 22 hours per week at XXXX dollars an hour together with Social Security as our only income source We are unable to pay off the {$650.00} which was actually technically discharged in our Chapter XXXX Bankruptcy in late XXXX. 

The " Reaffirmation Agreement '' prepared by our attorney and then submitted by Suncoast to the Bankruptcy Court with our signatures on it ( obtained in a deceptive fashion by an associate in our attorney 's office without full disclosure to us as to the contents of the entire document ) was full of errors in computation giving the credit union more money than we owed it. 

So that we were forced to issue a Reaffirmation Rescind Order to the Court at the last minute when we finally were able to view the entire document at the Court 's website. 

Bankruptcy Case Number will be provided upon request. 

My wife had been a member in good standing at Suncoast for fifty years, yet Suncoast 's Board of Directors and Bankruptcy Department in XXXX FL have been and conrtinue to be merciless toward us in this matter. 

For Suncoast this debt is miniscule but they act as though we stiffed them out of a XXXX bucks. For us, it is backbreaking and as currently structured threatens my wife 's health and physical safety as the chronically ill and partially XXXX individual that she has becoime. She is completely dependent on the availability of the XXXX to contunue to have access to her health care providers. 

Suncoast 's managers know this fact full well because they received a copy of the complaint we filed with Florida 's Office of Financial Regulation in XXXX which included an in-depth description of my wife 's illness... 

The XXXX title we handed over to Suncoast was free and clear we had paid it off from another lender with proceeds of a mortgage refinance we negotiated in approximately XXXX. Suncoast had nothing to do with the initial purchase or or subsequent payoff of my wife 's XXXX If Suncoast fails to release it's lien for XXXX XXXX XXXX XXXX dollars after we post- petition voluntarily made to it 28 monthly payments of {$220.00} like clockwork ( last payment was made just this month ), and instead at some point decides to exercise its loose cannon right to repossess the vehicle -- which it has a history of doing according to our bankruptcy attorney -- my wife will lose the ability to make her regularly scheduled primary care physician, XXXX and XXXX specialist appointment trips, which in turn will severely affect her health and wellbeing. Aside from an ambulance, the XXXX is the only vehicle my wife can exit and enter due to her having done so for fifteen years. She does not ride in any other vehicle. 

Our attorney is a wonderful soul whom we paid {$3000.00} to file the Chapter XXXX for us, which is {$2300.00} more than he actually disclosed to the bankruptcy court as the fee charged to us and listed on the petition 's last page. 

We are requesting an intervention in this matter from CFPB as our appeals to Florida 's Office of Financial Regulation have fallen on deaf ears. That State of Florida agency has rubber-stamped every fault and error Suncoast committed against my wife as a XXXX senior citizen credit union member both during the pre- and post-petition bankruptcy periods.. 

Our attorney needless to say did less than nothing to help us, his paying clients, but instead aided and abetted our creditor and stood idly by while Suncoast continued savaging us for having had the nerve to file a Chapter XXXX. 

How dare we.

Company response to consumer: Closed with explanation