Companies › Credit reporting or other personal consumer reports
Who is complaining aboutSUNCOAST CREDIT UNION?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
469
313 in the 12 months before · 1,349 since 2020 · under 0.1% of all complaints the CFPB received
For its size
22.6per $1bn in assets
Against $21 billion, the total assets in its NCUA call report as of 30 Jun 2026.
Median among the 6 peer companies (main category Credit reporting or other personal consumer reports) with the same size measure: 12.9.
In the 12 months to 1 Oct 2026 the CFPB received 469 complaints naming SUNCOAST CREDIT UNION, up 50% on the 313 of the 12 months before. Since 2020 the total is 1,349.
SUNCOAST CREDIT UNION reported $21 billion in total assets to the NCUA as of 30 Jun 2026. Its 469 complaints in 12 months work out to 22.6 per $1 billion of those assets, above the median of 12.9 among the 6 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone.
29.4% of the complaints in that period fall under the CFPB product category “Credit reporting or other personal consumer reports”, followed by “Checking or savings account” at 28.1%. The issue selected most often was “Incorrect information on your report” (21.5%).
How the company's responses were recorded over the 12 months: 99.4% closed with an explanation, 0% closed with non-monetary relief, 0% closed with monetary relief, and 0.6% still in progress when the file was published. 100% of responses were marked timely; the median among the 132 companies whose complaints mainly concern “Credit reporting or other personal consumer reports” is 99.9%.
Among those 132 peer companies the median received 146 complaints in the same 12 months. A complaint is a consumer's account and is not a finding against the company; the CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 1 Oct 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
| Measure | SUNCOAST CREDIT UNION | Peer median (132 companies) | All complaints nationally |
|---|---|---|---|
| Complaints, last 12 months | 469 | 146 | 6,945,592 |
| Change on the 12 months before | 50% | 26% | 44% |
| Complaints per $1bn in assets (median of the 6 peers with this measure) | 22.6 | 12.9 | — |
| Responses marked timely | 100% | 99.9% | 99.6% |
| Closed with monetary or non-monetary relief | 0% | 0% | 31.5% |
Peers are the 132 companies on this site whose largest complaint category is Credit reporting or other personal consumer reports and that received at least 20 complaints in the last 12 months. Peer companies differ widely in size; a per-size row appears only when at least five peers share this company's size measure, and its median is taken over those peers alone.
Complaints by month
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, in the last 12 months.
- Credit reporting or other personal consumer reports138 · 29.4%
- Checking or savings account132 · 28.1%
- Debt collection78 · 16.6%
- Credit card49 · 10.4%
- Vehicle loan or lease38 · 8.1%
- All other categories34 · 7.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 101 | 21.5% |
| Managing an account | 90 | 19.2% |
| Took or threatened to take negative or legal action | 36 | 7.7% |
| Attempts to collect debt not owed | 31 | 6.6% |
| Improper use of your report | 28 | 6% |
| Problem with a company's investigation into an existing problem | 23 | 4.9% |
| Problem with a lender or other company charging your account | 21 | 4.5% |
| Repossession | 18 | 3.8% |
| Problem with a purchase shown on your statement | 13 | 2.8% |
| Problem caused by your funds being low | 12 | 2.6% |
| Other CFPB issue categories | 96 | 20.5% |
Credit reporting or other personal consumer reports
138 complaints in the last 12 months (29.4% of this company's total); 107 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 88 | 63.8% |
| Improper use of your report | 28 | 20.3% |
| Problem with a company's investigation into an existing problem | 21 | 15.2% |
| Problem with fraud alerts or security freezes | 1 | 0.7% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Credit reporting | 138 | 100% |
Checking or savings account
132 complaints in the last 12 months (28.1% of this company's total); 95 in the 12 months before. That is 0.2% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing an account | 90 | 68.2% |
| Problem with a lender or other company charging your account | 21 | 15.9% |
| Problem caused by your funds being low | 12 | 9.1% |
| Closing an account | 5 | 3.8% |
| Opening an account | 3 | 2.3% |
| Other CFPB issue categories | 1 | 0.8% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 108 | 81.8% |
| Other banking product or service | 12 | 9.1% |
| Savings account | 10 | 7.6% |
| CD (Certificate of Deposit) | 2 | 1.5% |
Debt collection
78 complaints in the last 12 months (16.6% of this company's total); 37 in the 12 months before. That is under 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 36 | 46.2% |
| Attempts to collect debt not owed | 31 | 39.7% |
| Written notification about debt | 6 | 7.7% |
| False statements or representation | 3 | 3.8% |
| Communication tactics | 2 | 2.6% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| I do not know | 63 | 80.8% |
| Credit card debt | 10 | 12.8% |
| Auto debt | 4 | 5.1% |
| Other debt | 1 | 1.3% |
Credit card
49 complaints in the last 12 months (10.4% of this company's total); 25 in the 12 months before. That is 0.1% of all complaints in the category nationally. 0% of closed complaints ended with relief; 100% of responses were timely.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 13 | 26.5% |
| Incorrect information on your report | 9 | 18.4% |
| Problem when making payments | 6 | 12.2% |
| Getting a credit card | 5 | 10.2% |
| Closing your account | 5 | 10.2% |
| Other CFPB issue categories | 11 | 22.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| General-purpose credit card or charge card | 48 | 98% |
| Store credit card | 1 | 2% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints in the last 12 months.
- Closed with explanation466 · 99.4%
- In progress3 · 0.6%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| Florida | 404 | 86.1% |
| Texas | 10 | 2.1% |
| Georgia | 9 | 1.9% |
| Colorado | 4 | 0.9% |
| Alabama | 3 | 0.6% |
| Kentucky | 3 | 0.6% |
| New York | 3 | 0.6% |
| Pennsylvania | 3 | 0.6% |
| Illinois | 3 | 0.6% |
| Tennessee | 3 | 0.6% |
| Virginia | 2 | 0.4% |
| North Carolina | 2 | 0.4% |
Top 12 of 23 states with at least one complaint in the last 12 months. State counts follow population and where the company does business.
Other companies in the same category
Companies whose complaints mainly concern Credit reporting or other personal consumer reports, nearest in complaint volume. Listed for navigation, in no order of merit.
Questions and answers
How many complaints has the CFPB received about SUNCOAST CREDIT UNION?
469 in the 12 months to 1 Oct 2026 (313 in the 12 months before that) and 1,349 since 2020. 34 arrived in the last 30 days and 101 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
SUNCOAST CREDIT UNION reported $21 billion in total assets to the NCUA as of 30 Jun 2026. Its 469 complaints in 12 months work out to 22.6 per $1 billion of those assets, above the median of 12.9 among the 6 peer companies in the same main category that share this size measure. Assets measure the whole institution: one with a large card or consumer-lending business has many more customers per dollar of assets than a commercial or community bank, and its figure will sit higher for that reason alone. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
29.4% of complaints in the last 12 months are filed under “Credit reporting or other personal consumer reports”. The issues selected most often were “Incorrect information on your report” (21.5%), “Managing an account” (19.2%), “Took or threatened to take negative or legal action” (7.7%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does SUNCOAST CREDIT UNION respond to complaints?
99.4% were closed with an explanation, 0% with non-monetary relief and 0% with monetary relief; 100% of responses were timely (peer median 99.9%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 1 Oct 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. Size measure matched by name to: SUNCOAST (NCUA charter 68645). Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.