Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
THIS COMPLAINT IS NOT RESOLVED!!!!!!!!!!!!!!!!!!! STOP CLOSING THE COMPLAINT UNTIL IT IS PROPELRY INVESTIGATED!!!!!!!!!!!! 

the response on XX/XX/year>XXXX  by XXXX ID XXXX is fraudulent and intended to cover up the original denial back on the credit pull on XX/XX/year>XXXX  by bank Employee XXXX XXXX THE EMPLOYEE ORGINAL DENIED OPENING THE ACCOUNT AFTER PULLING THE CONSUMERS CREDIT REPORT MAKING THE LIABLE WITH COMPLIENCE WITH THE FAIR CREDIT REPORTING ACT REGARDLESS OF WHETHER THE CONSUMBER WENT BACK LATER THAT DAY WITH HIS SSN CARD DOES NO REMOVE THE LIBALITY OF THE BANK IN COMPLYING WITH THE FEDERAL FAIR CREDIT REPORTING ACT THE CONSUMER IS ENTILED TO THAT LETTER MAKE ONE ANS WHY IT WAS DNIED AND WHO PROVIDED THE CREDIT REPORT Suncoast Federal Credit Union, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Florida XXXX, XXXX, employs XXXX XXXX as the assistant branch manager. On XXXX, XXXX XXXX XXXX applied for a Business Checking account. It's important to note that XXXX XXXX XXXX already holds a Personal Checking account, two Savings accounts, and is listed as an authorized agent on another Business account, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, a company owned by his wife. All these accounts have been fully vetted with proper ID and valid Social Security documentation on file with Suncoast Federal Credit Union. On XXXX, XXXX XXXX XXXX ' rights under the Fair Credit Reporting Act were denied three separate times by Suncoast Federal Credit Union and assistant manager XXXX XXXX. After waiting over 45 minutes to meet with a banking agent, he spent another 30 minutes in XXXX 's office. While opening the Business Checking account for XXXX XXXX XXXX XXXX, the banking agent incorrectly claimed that XXXX was not the listed owner of the company, instead insisting XXXX XXXX was the owner. However, XXXX records show XXXX XXXX XXXX is listed as the Registered Agent for XXXX XXXX XXXX, the sole member and owner of XXXX XXXX XXXX XXXX in Florida. A supervisor had to correct XXXX 's misunderstanding. Additionally, XXXX XXXX XXXX presented XXXX with his Suncoast Federal Personal Account Debit Card and membership number to verify his personal account. after nearly 1:15 minutes the Bank employee XXXX XXXX XXXX XXXX stated she could not open my Business checking due to a alleged soft pull on my Credit Report she states that my SSN was flagged by XXXX  XXXX XXXX XXXX as a potential Fraudulent name associated to my Social Security Number XXXX XXXX XXXX XXXX than XXXX XXXX XXXX and that she could not open my Business account. at said point i made it clear that i had two other separate accounts with the Same bank as well as being a Authorized User on another Business account my wife and I share.in which DL SSN DOB and all information required to open a banking account are already on file the Employee still refused to finish processing the Account. Unopen the denial i asked the Employee Three times for a Copy of the Denial and a copy of the soft pull Credit Report the Employee refused to provide me information that I am entailed to as a matter of Federal Law and the FCR act. under the FCRA if a lender rejects your application it is required under the FCRA and EOCA to send me and or provide me an Adverse Action notice telling me the specifics reason why my application was rejected in writing. XXXX XXXX refused to provide me a copy and or written reason due to the Initial Denial of the Application the Employee XXXX XXXX was fully aware that i was already Member on three additional accounts 2 personal and 1 business and failed to follow the FCRA laws and provide me a adverse action report and statement that i could address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation