Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding Suncoast Credit Union due to serious employee misconduct and the XXXX XXXX 's failure to investigate and respond to my formal complaint. 

Specifically, a Suncoast Credit Union employee instructed or encouraged me to use another account holders funds to pay my own delinquent debt, which violates both the other members privacy rights and credit union policies. This behavior was highly unethical, possibly illegal, and clearly violated my rights and the rights of the other account holder. 

I reported this incident to Suncoast Credit Union in writing and requested they investigate and respond. Despite the seriousness of the complaint, Suncoast Credit Union has failed to provide any response or investigation outcome. Their silence leaves me concerned that they are ignoring potential misconduct within their organization. 

Additionally, Suncoast Credit Union continues to report a charged-off debt on my credit report as a " Profit and Loss Write-Off. '' I am unclear whether the debt has been forgiven, whether a 1099-C has been issued, or whether further collection activity will be pursued.

Requested Resolution : * A full investigation into the employees misconduct.

* A formal written response and investigation results.

* Confirmation whether the charged-off debt has been forgiven and whether a 1099-C has been or will be issued. 
* Correction or update to my credit reporting, if applicable. 

I am requesting the Consumer Financial Protection Bureau investigate Suncoast Credit Union 's mishandling of this matter and ensure my rights are protected under federal consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, I mailed the below letter to Suncoast Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To : Suncoast Credit Union XXXX : Member Services/ Legal Compliance Subject : Formal Complaint Regarding Unethical and Potentially Unlawful Debt Collection Practices To Whom It May Concern, I am writing to formally file a complaint regarding a recent interaction I had with a Suncoast Credit Union representative concerning an outstanding debt on my account. 

On XX/XX/year>, I spoke with a representative XXXX from your institution about my account and he encouraged me to use another persons fundsspecifically, my mothers bank accountto pay off my debt with Suncoast. 

On XX/XX/XXXX, I called Suncoast back to confirm the details, and Coincidentally, I was transferred to the same representative XXXX from the last interaction on XX/XX/XXXX. I called to confirm that if I did transfer the funds from my mothers account, I would like to have a pay for delete completed. XXXX informed me that a pay for delete could not be done. I told him, in that case, it will take me longer and I will reach back out to Suncoast with a solution. 

On XX/XX/XXXX, XXXX, the debt collector Suncoast is partnered with to collect debt, further attempted to contact my mother directly in order to solicit payment from her, despite the fact that she is not a joint account holder, co-signer, or in any way legally responsible for this debt. 

These actions are not only highly inappropriate and unethical, but XXXX also be in violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), and may fall under unfair or deceptive practices as outlined by federal and Florida state laws.

To be clear : 1. I did not authorize Suncoast OR Conserve to contact my mother regarding this debt.

2. I did not and will not agree to involve any third-party account holders in payment unless they voluntarily choose to assist and even then, it should be done with proper legal procedures.

3. I was made to feel pressured and manipulated by this interaction ( almost XXXX XXXX  conversation ) 4. My mother felt as her information and her financial records were unsafe She hung up with XXXX and immediately called me. 

I am formally requesting a full investigation into this matter, as well as assurance that such behavior will not occur againeither to myself or any other members. I am also requesting that any communication about my account going forward be made only directly to me and in writing. 

Additionally, I am exploring legal action and have already begun preparing documentation to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Florida XXXX XXXX XXXX XXXX. 

Please respond to this complaint within 14 days with a written resolution and explanation of any action taken regarding this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has now been over XXXX months, with no response. Hence, my outreach to the CFPB, XXXX, XXXX etc...

Company response to consumer: Closed with explanation