Consumer complaint received 2024-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Access Number : XXXX Credit Card Account # : XXXX Date : XX/XX/XXXX T o : Suncoast Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX Subject : Account Access and Statement Issuance Dear Suncoast Credit Union Compliance Department , I am writing to address your recent actions regarding my accounts held with Suncoast Credit Union , including my credit card account, checking, and savings accounts ( Access Number : XXXX ). I have been wrongfully denied access to my funds and online account management, and I have not received any notification regarding an account closure or any legitimate reason for this denial. Additionally, Suncoast has ceased to send me Statements since XX/XX/XXXX Legal Grounds for My Claims Pursuant to the following federal laws and regulations, Suncoast is in violation of my consumer rights : 1. Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 Under the FCBA, I am entitled to receive monthly billing statements and be informed of all charges and account activity. By ceasing to send these statements, you have violated this statute.

2. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 EFTA requires that I am provided regular access to my account information. Blocking me from managing my accounts online or obtaining statements without justification contravenes this law.

3. Regulation E - 12 CFR 1005 This regulation mandates transparency and access to electronic transfers and related account activities. Locking me out of my account and failing to provide statements is a clear violation of Regulation E.

4. Truth in Savings Act ( TISA ) - 12 U.S.C. 4301 et seq.

Under TISA, Suncoast must provide full disclosure and access to account statements regarding my checking and savings accounts. Your failure to send me my statements and notify me of any closure is a breach of this act.

5. Unfair or Deceptive Acts or Practices ( UDAP ) - 15 U.S.C. 41-58 By preventing access to my account and withholding critical account information without proper cause or notice, Suncoast is engaging in deceptive practices under UDAP.

6. Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established the requirement for banks to properly investigate and verify information related to consumer accounts before taking adverse actions. Failing to grant me access to my statements violates this principle. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) : In this case, a financial institution was held accountable for failing to provide correct billing statements and denying access to accounts, which is comparable to Suncoasts actions.

Given the legal precedents and statutes mentioned, as I come in good faith I Request the following within 10 business days : 1. restoration of online access to my accounts So I can Access all my Accounts that as I'm authorized to 2. Full account statements for my credit card account ( # XXXX ), checking, and savings accounts from XX/XX/XXXX to present, sent to my email or physical address at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation