Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, 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, XXXX Savings accounts, and is listed as an authorized agent on another Business account, XXXX XXXX XXXX XXXX  XXXX, a company owned by his wife. All these accounts have been fully vetted with proper ID and valid Social Security documentation on file with XXXX XXXX XXXX XXXX. 

On XXXX, XXXX XXXX XXXX ' rights under the Fair Credit Reporting Act were denied three separate times by XXXX XXXX XXXX XXXX and assistant manager XXXX XXXX. After waiting over XXXX minutes to meet with a banking agent, he spent another XXXX 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 XXXX 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  Credit Reporting Services 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 XXXX 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  Credit Reporting Services with.

Company response to consumer: Closed with explanation