This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 138 complaints

Suncoast Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Complaints by issue type

What consumers report about Suncoast Credit Union

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Suncoast Credit Union ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 138 all-time complaints and a 100% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
138
CFPB complaints, all-time
100%
answered inside the CFPB window
67
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Suncoast Credit Union?

Suncoast Credit Union has accumulated 138 total CFPB complaints across 8 states, with 67 filed in the most recent 12 months against 71 historical complaints before that window. The trailing-12-month volume represents 48.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate.

Complaints have been recorded across 8 states, led by Florida with 126 and Texas with 5. Normalized against the full CFPB collector database, the reputation score of 53.1/100 places Suncoast Credit Union in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

138

mid-volume (CCDB)

Last 12 months

67

48.6% of all-time complaints

Rising ↑

States active

8

regional footprint

Timely response rate

100%

excellent band

Reputation grade

D

53.1/100 composite

How does Suncoast Credit Union's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Suncoast Credit Union versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 14.3%

Share of US states + territories with at least one filed complaint against this collector.

How does Suncoast Credit Union compare to its peers?

How does SUNCOAST CREDIT UNION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SUNCOAST CREDIT UNION National average
Complaints (last 12 mo)lower is better
67
14
268
Timely-response ratehigher is better
100%
76%
91%
Consumer-dispute ratelower is better
0%
21%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 61
Took or threatened to take negative or legal action - 43
Written notification about debt - 20
False statements or representation - 9
Communication tactics - 4
Threatened to contact someone or share information improperly - 1

Where do complaints against Suncoast Credit Union come from?

Suncoast Credit Union's own per-state count, not a national baseline.

Top states by complaints against Suncoast Credit Union

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Suncoast Credit Union contacts you

A grade of D signals how Suncoast Credit Union's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Suncoast Credit Union and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Suncoast Credit Union ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Suncoast Credit Union? ▼

The most common issue consumers report about Suncoast Credit Union is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 138 complaints filed with the CFPB.

Are complaints against Suncoast Credit Union increasing or decreasing? ▼

Complaints against Suncoast Credit Union are rising. The company received 67 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Suncoast Credit Union's reputation grade? ▼

Suncoast Credit Union has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Suncoast Credit Union respond to consumer complaints? ▼

Suncoast Credit Union has a 100% timely response rate to CFPB complaints.

In how many states does Suncoast Credit Union operate? ▼

Suncoast Credit Union has received CFPB complaints from consumers in 8 states, with the most complaints from Florida (126 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.