Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Account # XXXX On XX/XX/year>, I tendered full payment for the balance of my vehicle loan with Suncoast Credit Union via Certified Mail. The tender was complete, timely, and lawful, issued from a private trust account with proper documentation. Suncoast acknowledged receipt of the payment but has refused to adjust the account balance or release the title, constituting a breach of contract, bad faith, and unjust enrichment. 

Since that date, I have issued the following lawful demands : Qualified Written Request ( QWR ) under XXXX XXXX. XXXX ( XXXX ) of RESPA requesting : A full accounting/ledger of all transactions related to the loan Disclosure of the chain of title of the promissory note A certified copy of the original promissory note with wet ink signature Identification of any assignments, sales, or transfers of the note Despite multiple notices, including a Final Notice of Dishonor, Notice of Estoppel , and Notice of Notarial Protest , Suncoast has refused to respond or comply, violating my legal rights and attempting to coerce a second payment for an obligation that has already been settled in full. 



Violations and Legal References : XXXX. XXXX XXXX. XXXX ( XXXX ) Violation of the Real Estate Settlement Procedures Act ( RESPA ) Failure to respond to a lawful QWR within XXXX business days XXXX. Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 
XXXX False or misleading representations XXXX Unfair practices and attempted double recovery XXXX Failure to validate the debt XXXX. Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX et seq. 
Failure to disclose accurate account balances and payoff status XXXX. Unjust Enrichment Attempting to receive payment again after already being paid in full XXXX. Uniform Commercial Code ( UCC ) : XXXX XXXX ( b ) If tender of payment of an obligation to pay an instrument is made the obligation of the obligor is XXXX XXXX XXXXXXXX XXXX b ) Entitles the borrower to demand presentment of the instrument XXXX XXXXXXXX Only a holder in due course may enforce a negotiable instrument XXXX. Federal Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX If Suncoast is reporting this loan as delinquent, despite being paid, they are furnishing false information to credit reporting agencies Relief Requested : XXXX. Immediate acknowledgment of the tendered payment and adjustment of the loan balance to {$0.00} XXXX. Immediate release of the vehicle title XXXX. Certified copies of : The original wet ink signed promissory note Complete loan ledger Documentation of any assignment or sale of the note XXXX. Cessation of all repossession threats, collection attempts, and credit reporting XXXX. Monetary compensation for damages resulting from Suncoasts actions, including emotional distress, legal fees, and financial injury XXXX. Full CFPB investigation into Suncoasts collection practices and failure to respond to lawful notices Conclusion : Suncoast Credit Unions conduct constitutes a pattern of bad faith, non-compliance with federal law, and a willful attempt to extract double payment by refusing to honor lawful tender. I respectfully demand immediate enforcement action by the CFPB to protect my rights as a consumer and to hold this institution accountable.

Company response to consumer: Closed with explanation