Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNCOAST CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I applied to become a new member of Suncoast Credit Union using Suncoast Credit Union 's online application, and I was approved as a new member the same day. I was approved for one XXXX XXXX account, and one XXXX  Checking account. 

As part of the application, I elected to fund {$1500.00} into my new Suncoast accounts using my XXXX XXXX ending in XXXX. This transaction successfully posted to my XXXX XXXX ending in XXXX on XX/XX/year>. I believe the {$1500.00} in funding was split up into {$1400.00} into the new XXXX Checking account, and {$10.00} into the new XXXX XXXX account. 

Also on XX/XX/year>, I enrolled in Suncoast 's online banking, and used Suncoast 's online banking to link my new XXXX  Checking account with my existing checking account at XXXX XXXX. I then scheduled a {$1000.00} ACH transfer from my checking account at XXXX XXXX to my new XXXX Checking account. This {$1000.00} was successfully debited from my XXXX XXXX account on XX/XX/year>. 

Therefore, as of XX/XX/year>, my Suncoast XXXX Checking account had a balance of at least {$2400.00}. 

On XX/XX/year>, I received an email alert from Suncoast that claimed that my Suncoast account eStatement for XX/XX/year> was available for viewing. However, when I tried to log into my online banking account, I was presented with an error saying that Suncoast had blocked access to my online banking account. 

On XX/XX/year>, I again received an email alert from Suncoast that claimed that my Suncoast account eStatement for XX/XX/year> was available for viewing. However, my online banking account access was still blocked at this time. 

On XX/XX/year>, I received a letter in the mail from Suncoast dated XX/XX/year> that stated that Suncoast was terminating my membership and closing my accounts as of this date, and that a cashier 's check will be mailed to me for the remaining balance on my accounts. 

Also on XX/XX/year>, I received a letter in the mail from Suncoast that contained a cashier 's check in the amount of {$10.00}. The account number listed on the letter indicated that this check was for the balance refund on my XXXX XXXX account. 

Because I did not receive any check for the balance refund on my XXXX Checking account ( which should have been for at least {$2400.00} ), on XX/XX/year> I called Suncoast 's Member Care Center to inquire about the missing refund. The Suncoast phone representative I spoke with claimed that both the initial funding transaction of {$1500.00} on XX/XX/year> and the subsequent ACH transfer of {$1000.00} on XX/XX/year> were successfully " reversed '' by Suncoast on XX/XX/year>. 

However, as of the time of filing of this complaint on XX/XX/year>, the initial funding transaction of {$1500.00} has not yet been returned to XXXX, and the ACH transfer of {$1000.00} has not yet been returned to XXXX XXXX. Furthermore, I have still not received any check for a refund of any amount on my XXXX Checking account. 

Furthermore, Suncoast has failed to provide monthly statements for my Suncoast accounts via paper mail, despite blocking my access to electronic statements since at least XX/XX/year>. This practice almost seems designed to make me forget that I have at least {$2400.00} involuntarily stuck at Suncoast Credit Union for months without any way of accessing my funds.

Company response to consumer: Closed with explanation