Suncoast Credit Union Anmeldelser 

Suncoast refuses to report to the credit bureaus correctly or on time. If you make a small payment under $500 on your credit card it is applied immediately. If you apply a large payment they hold the payment in their account for up to a week or more before applying it to your account. They have done this multiple times to me, until I call and complain then they release the funds. Its bs they are using our money and not applying to our accts to reduce our balance in order to charge interest. I do not have this issue with LMCU reporting on time or holding funds and will use them moving forward. I have paid my Suncoast card off due to their policies and the attitude given with cust svc when help has been requested.

This Credit union has good intentions and the people are nice. But it isn’t worth a shit. The ATM and my card. never work and they limit you. They block your transactions. You can’t get cash out of the machine. It’s always broken down. Do not bank here go somewhere else.

Opened a money market account 7 months ago and 3 months later realized that they never sent me an ATM card. So, when I applied for one online it took them 68 DAYS to send the card. They claimed they sent it twice but that wasn't true and when they finally sent me the card they sent me two others over the next week. Their customer service mantra seems to bring 'blame the customer'.

Negative star rating with this incompetent organization. This has been the worst experience I ever had. Started when I first purchased my vehicle and added my insurance provider. I began receiving emails stating I did not have insurance and was being charged an extra fee. I informed the imbecile that I had sent the insurance months ago and had proof of that. They eventual corrected their mistake. Then I had to cancel the extended warranty that the dealership attempted to hide in my payment even after I told them that I was going through Suncoast for the MRC Platinum program. My vehicle is in the shop now and the service department is being told over and over again that the policy is not in active by a low rate second party provider (Assurance). The idiots at suncoast originally gave me the the information for the extended warranty policy issued by the dealership that I cancelled. After four hours and being sent to SIX different departments and waiting on hold for almost an hour each time; I was given the supposedly CORRECT information. Now SECOND day of dealing with this. I gave the service department NEW MRC policy number. Service department once again is being told that is not in effect. Suncoast continues to state policy is in good standing. I was told yesterday I would be sent a copy of my policy, which i still have not received in my email. I WILL NEVER PATRONIZE THIS ORGANIZATION!!! I would highly recommend using any other institution that is NOT suncoast credit union. The ineptitude, lack of concern for customer service, lack of attention to detail is truly astounding. Heed my warning, you will have the most horrible experience dealing with these morons. No work is being done on my vehicle and it has been there since 09/25/2026. DO NOT USE THIS ORGANIZATION FOR ANYTHING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

David L. was super awesome and helpful.

Not going to get into all the bull sh.. from this place but pray you never get scammed or hacked they will treat you like your the guilty one. I am done with this sh..hole credit union. Should be called. JUSY DONT CARE CREDIT UNION. Run away from this place it’s not worth the headache and they way they treat you

I was warned when I walked in to sign in and join. I assumed just a minority customer's general opinion. I joined for checking/ savings & deposited 80.00 cash & left okay. Three weeks later I deposit a small check I received from my attorney & I expected a hold but not the nasty treatment from customer cc service NOR restricting access via phone & online to my account! Then trying to say the check is going to be returned & asking me accusation questions as well as accusing me of taking 20.00 from the check when it hadn't even cleared yet! Stupid incompetent & POOR customer relations. Once tge check clears i hope to close the acct & go somewhere im welcomed & staff acts like professional adults. It's your money until you deposit it.

Suncoast Credit Union — Extremely Frustrating Lending Experience
My experience with Suncoast Credit Union as an auto lender has been extremely frustrating and, frankly, has left me questioning how they handle customers' loans and whether their practices are designed to be transparent.
I took out a car loan with Suncoast after they advertised an EV credit. The credit was not initially applied to my loan, and I didn't discover the issue until months later.

Assuming all good I simply planned for my direct ACH withdrawals. the point of placing such payments automatic is for convenience and not to worry you are late with a payment. Problem is they then sneak in a higher monthly payment than you contracted for. I only realized this after making 3 years of onetime monthly payments. looked at my loan to see how much I owed on my vechle. only to discover the moth was not adding up. taking a closer look I noted the over payments. $1400 in over payments. That's when I discovered that Suncoast had added an insurance product to my loan that I never requested or needed. It was buried among the many documents you are asked to digitally sign when closing a loan, and, in my experience, it was not made clear enough that this would add approximately $33 per month to my payment.

When I called to have it removed, I was told it would be taken care of. Two months later, it was still on my loan.

I called again and spent an enormous amount of time being transferred from one department to another, with employees repeatedly telling me that the issue belonged to another department. Half the people sound helpful and like they are on your side but in the en d do absolutely nothing tp resolve the issue but worse lie about it.. Eventually, I was told they would review and have the insurance cancellation removed but that they could not reimburse me for past months paid. FINE! Except A month later, it was still there.

I then spent another hour on the phone only to be told that I needed to sign a form. That was the first I had heard of this requirement. OK— send me the form and I'll sign it. I was told it would be emailed to me. It never was.

At this point, I've spent hours trying to correct something I never asked for in the first place.

And if you have a normal 9-to-5 job, be prepared to take time off if you need help, because their customer-service availability is extremely inconvenient for working people.

The most infuriating part came during my latest call, which lasted roughly two hours. I was told I would receive no credit for the months of additional charges resulting from their failure to resolve the issue, despite the fact that I had already contacted them and been told it would be removed. Then I was told that if I signed the required form that day, my payment could actually be higher because it was the middle of the month. HUH??

How does that make sense?

From a customer's perspective, this has felt like a never-ending maze of departments, paperwork, transfers, missed follow-ups and charges that I never knowingly agreed to. Whether these problems are the result of incompetence, poor internal communication, or something more concerning, the end result is the same: the customer pays for Suncoast's mistakes while being forced to spend hours trying to get them corrected.

I strongly recommend that anyone considering a Suncoast auto loan read every single document extremely carefully, question every charge, and independently verify that every credit and cancellation has actually been applied. OR BETTER YET LOOK ELSEWHERE FOR A LOAN.

After this experience, I have very little confidence in Suncoast as a lender and would think twice before ever doing business with them again.

Terrible experience with Michael P., Wealth Specialist at LPL Financial (a third party to Suncoast Credit Union).I am extremely disappointed with the lack of financial knowledge and capability demonstrated here. I approached Michael for assistance with obtaining a Medallion Signature Guarantee, something Suncoast explicitly stated he would handle.Instead, he refused to provide the medallion stamp, claiming he would not do it because of a financial relationship—directly contradicting what Suncoast promised. For a designated "Wealth Specialist," this level of unhelpfulness and conflicting information is completely unacceptable. If you need reliable investment services or standard financial procedures handled correctly, look elsewhere.
All I can say is this bank needs todo better!

Ordered a cashier’s check. They took the money out of my account and it never arrived. They required me to wait 90 days with all that money missing before they were willing to open up an investigation. Then got a new credit card because they locked my old one for fraud - paid a 25 dollar rush fee to get it within three days. A week later I call to inquire, and though they charged me the rush fee, the order was never put in. I asked to have the 25 dollar rush fee refunded since obviously I did not receive anything and the customer service representative was surprised I asked and seemed hesitant to give it to me. I have mostly just been avoiding moving to a new bank for laziness but I am at my limit with this place. I would not suggest this business to anyone unless I hated them.

Rebekah at the New Port Richey branch went above and beyond all my expectations of a member advocate. She spent a couple of hours on the phone and computer trying to help me with my problem and called me the next day and had my problem resolved. She was patient, understanding, and never stopped trying to get things straightened out... which she did! Can not thank her enough for all she did. A Fantastic representative of Suncoast Credit Union!!!!!!!

The company has been 5 stars until they started making business accounts use the STSpend Track for business credit cards. It has been a mess from the start. I could not use my account or access the money for weeks with no notification. Now that I have crossed that bridge it is no better. Frustrating and full of glitches to use. I quit! However, I do like Suncoast for my personal banking and I appreciate the lower interest rates on my personal accounts. I would give them 5 stars if not for the terrible decision to us ST and split my business debit from my business credit card.

Fraud /accusations

Suncoast Credit Union is a security nightmare. They lost my identity last year. This includes Social Security numbers and other Personal Identifiable Information. Then, I get fraudulent charges on my debit card and flag them as fraudulent with them. It has been almost a month, and I still haven't received my money back as the investigation continues. I ask when will the investigation be completed and they say, we don't know, there is no time limit. DONT USE THIS BANK, ITS AMATEUR HOUR

Maggie Letchworth is my #1 source for information on my investment accounts with Suncoast. I am NEVER disappointed when I call for information, when I get Maggie. I have been a Suncoast member for over 20 years. Maggie has been my go-to-person, on any and all questions. She's straight forward, organized, honest, and gives you the best advice. I once had another insurance company pressuring me to change accounts and lose money in the process. I had them call Maggie before I signed. She set them straight and advocated for me in the process. She's an amazing employee who ALWAYS has her customer's best interests at heart!

CREDIT CARD PAYMENTS MISSING! Went to the Estero branch June 26, met with Alex, showed him the missing and reversed CC payments. He sent a message to the "back office" and scheduled an appointment to meet today June, 30. He wasn't there. I met with Amy, who said he made NO notes in the computer. I explained my dilemma all over again to her. She did not even attempt to look at my account. Just turned her monitor around and said "here's your balance!" RUN FROM THIS CU!

From a top tier financial institution where everything was possible from the Bill Pay service to loans and other areas to make financial decisions this credit union is in the gutter now with their so called upgrades updates that has proven to be a nightmare, why mess around with a system that everyone knew and was happy with? I think it's time to kick the responsible parties for this mess out and try to save this financial institution that has always been there for the customer, I still have several accounts with them but reducing the traffic once the credit card is paid and satisfied adios amigo.

We were promised Zelle in May for transfers. Now they say maybe by December but things can change. Transfers take days…….

I had a fraudulent charge on my account. Rose Chavez, the customer service rep, was so helpful in reporting the fraud and setting me up with a new debit account. She spent quality time with me and was very nice to work with. I appreciate the assistance I got from Rose! Thank you!

I have been a member for about 20 years. The complete downward spiral of this credit union has been wide screen to ANY member paying attention. This was a place I have relied upon any time I want to buy a car, motorcycle, or even get a loan for anything!!!

Now any decision is a corporate committee meeting with cold handshakes and shallow apologies.

I got married last year and wanted a small loan to help my wife/kid relocate and get all affairs in order.

For $2,000 Suncoast declined me.

Wells Fargo said yes. Not only have I never stepped foot in a Wells Fargo - I don't bank there.
Then Wells Fargo put a cherry on the cake by approving a loan for a new A/C system.

Suncoast let a Chinese seller rip me off for $42.55 even though I submitted proof my item is STILL in Aiken S.C. at the time of this writing. After the long dispute process (screen shots, TWO DAYS of CCTV footage) I submitted the link provided by the seller and the seller provided a link showing it was delivered SEVEN days after the order. Items don't get through Customs that fast. PERIOD. Suncoast sided with the seller and took my money and MY TRUST.

Run away screaming.