Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
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. That payment was accepted by Suncoast. Despite this, my account balance continued to display delinquency dating back to XXXX without reflecting the payments made in XXXX, XXXX, or after repossession. 

Suncoast now conditions release of my vehicle on payment of a {$650.00} repossession fee. This fee has not been provided in writing, is not itemized, does not appear on my account, and has only been communicated verbally. 

On XX/XX/XXXX, I appeared in person at a Suncoast branch and requested : the required post-repossession notice a copy of an alleged notice dated XX/XX/XXXX an itemized breakdown of the {$650.00} repossession fee a written reinstatement quote Suncoast was unable to provide any of these documents. I brought documentation showing a consistent history of accepted late and partial payments throughout the life of the loan, copies of all payment confirmations, and copies of all correspondence received. The only written communications provided to me were generic past-due notices offering hardship assistance, with no mention of repossession or any change in payment policy. 

Suncoast staff stated that numerous attempts were made to notify me of repossession, but neither I nor the co-signer on the loan received any such notice by mail, email, phone call, or text message. I was shown a misaligned document dated XX/XX/XXXX stating that {$410.00} was required by XX/XX/XXXX to avoid repossession. This document was never received by me, the amount did not reflect payments already accepted on XX/XX/XXXX, and no follow-up communication occurred after additional payments were accepted. 

During my branch visit, multiple Suncoast employees expressed confusion regarding the repossession after reviewing the payment history. Despite this, I was told that if the {$650.00} fee was not paid, my vehicle would be auctioned within 710 days, even though no written notice or fee documentation had been provided. 

I dispute the repossession and the conditioning of vehicle release on an undocumented and unitemized fee. I request written documentation of all notices allegedly sent, a full accounting of payments and fees, and review for improper repossession and fee assessment. I am willing to pay any properly documented amount required to reinstate the loan.

Company response to consumer: Closed with explanation