Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, never received any USPS certified return signed receipt mail ( USPS ) letter from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), SUNCOAST CREDIT UNION ( XXXX ), and/or from XXXX XXXX XXXX XXXX ( XXXX ), informing me of this Large Legal-Financial debt of {$23000.00} ( DEBT ) and, that I needed to pay it. Furthermore, I was never Legally & Officially Notified ( L & ON ) in any way whatsoever, by XXXX, XXXX, XXXX, and/or by XXXX, that I was Required to Attend a Legal Court Hearing ( XXXX ) in regards to any of this DEBT. On XX/XX/year>, I did say, on the phone, to XXXX, that I was going file for bankruptcy, and that I didnt have the funds to pay that debt, at that moment. But, at that time, the XXXX debt for {$9500.00}, was for a LINE OF CREDIT LOAN ( LOCL ). And, there was also a {$770.00} debt for some other kind of loan. Furthermore, I asked that they, i.e., XXXX, send me a USPS letter regarding my LOCL, and for my other loan of {$770.00}. Moreover, eventually I asked that they all, i.e., XXXX, XXXX, XXXX, and XXXX, send me a USPS letter, and they all, i.e. XXXX, XXXX, XXXX, and XXXX, indicated that they would send me said USPS letter. However, I never received any such USPS letter from anyone of them, or from anyone, for that matter. And, I most certainly DID NOT SIGN any kind of paperwork, which would show/prove inconclusively, that I was L & ON, and thus which would show/prove of my acknowledgment of the debt, i.e .. that I was indeed the owner of said debt of {$23000.00}. And, I was never L & ON by anyone that I was to attend any kind of Legal Court Hearing regarding this large legal-financial debt of {$23000.00}. But, now comes the time for me to sell my house, and now, and only now, I receive a FINANCIAL DELINQUENCY LETTER ( FDL ) i.e., Florida Court decreed, Default For Final Judgment Against Defendant, XXXX XXXX XXXX from XXXX, delivered to XXXX XXXX XXXX XXXX XXXX, stating that {$23000.00} will be withheld from my proceedings for the sale of my house, by XXXX, to pay for that {$23000.00} debt. I do not feel/think that I should have to pay the {$23000.00} because, I was never legally and/or officially notified by anybody, via USPS letter, THAT I HAD SIGNED, AND/OR MIGHT HAVE SIGNED any such USPS letter. Furthermore, I was never legally and/or notified that I was required to attend any sort of Legal Court Hearing relating to this large legal matter. Indeed, I was never, ever legally notified that I owed the {$23000.00}. Please advise me as to the correctness of my belief that, based on those/my four ( 4 ) reasons above, am I NOT required to pay the {$23000.00}? Because, when I called XXXX XXXX XXXX XXXX, they would not answer the question of " Should I have not been legally notified of this legal ( outstanding financial ) matter, by USPS certified return signed receipt mail? Furthermore, do they ( XXXX XXXX XXXX XXXX ) have any written proof that I signed any such USPS certified return signed receipt mail letter from them ( XXXX XXXX XXXX XXXX )? And, I asked ( XXXX XXXX XXXX XXXX ) " Should I have not been legally notified by ( XXXX XXXX XXXX XXXX ) ( via USPS certified return signed receipt mail ), and/or by any official ( XXXX XXXX XXXX XXXX ) letter from them for that matter, and/or via any other possible official legal manner? Moreover, " Should I have not acknowledged, in writing, that I was to attend a Legal Court Hearing? And again, I asked ( XXXX XXXX XXXX XXXX ) " Does ( XXXX XXXX XXXX XXXX ) have written proof that I acknowledged having been officially informed that I was to attend a Legal Court Hearing regarding this matter? Unfortunately, ( XXXX XXXX XXXX XXXX ) abruptly hung up on me at that point. My complaint is the same as everyone 's ... " must they ( XXXX XXXX XXXX XXXX ) be so uncooperative and down right rude? ". I, XXXX XXXX XXXX, do not believe that I should be held legally, and/or financially, and/or in any way liable, to any of the four ( 4 ) collection agencies, above because I never received any such notice from any of the four ( 4 ) collection agencies, above. Please advise me as to whether or not I am correct, or no correct, in stating that which I have just stated/written. And please advise me as to how I can stop this UNLAWFUL LIEN by XXXX XXXX XXXX XXXX, from taking place. In addition, please reprimand XXXX XXXX XXXX XXXX for being so uncooperative, non-professional, and so extremely down-right rude, with me.

Company response to consumer: Closed with explanation