Sunbit, Inc.

I am disputing the Sunbit/XXXX Bank account being reported on my credit file. Sunbit has not provided any proof of my written authorization, itemized billing, or documentation showing the validity of this account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate or unverified information. SunbitXXXX Bank has failed to validate the account or provide supporting documentation. I am requesting removal of this account if they can not verify it.

On XX/XX/XXXX I came in to XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Ca, XXXX for a check up. They suggested I needed a deep cleaning and a crown. I agreed to pay whatever my insurance didnt cover out of pocket. They immediately set me up with SunBit for a 3rd party loan as well as taking a {$180.00} deposit. I agreed and signed on the paperwork. They did the work on half my mouth. On XX/XX/XXXX I called the dental office explain to them I no longer wanted half the services I needed the loan canceled and my bill adjusted. They claimed they would call me. They never did. SunBit refused to cancel without the merchant submitting paperwork. On XX/XX/XXXX I visited the dental office to get the second half of my cleaning done. I was in a lot of pain and they said it was normal.…

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A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

On XX/XX/year>, I received a past due notice from Sunbit. I did not know what Sunbit was, so I called the number on the letter. The agent that I spoke to said that this was regarding an XXXX XXXX XXXX credit card. The payment requested was {$50.00}, but the agent said that there was about {$1700.00} charged to the card. The card was opened in my maiden name and using my mailing address, but used a fabricated phone number and email address. The agent said that everything was paperless, which was why I never received a bill until the past due notice was sent.

I am filing a formal complaint against Sunbit regarding my recent loan application experience. Sunbit initially approved me for a loan and requested that I submit additional documentation to complete the process. They specifically asked for highly sensitive personal information, including : A copy of my Social Security card A copy of my government-issued ID Bank statements Utility bills I provided all requested documents in good faith, believing my loan had already been approved pending verification. After submitting this sensitive information, Sunbit later denied my loan without providing a clear explanation. I am extremely concerned about the following : XXXX. Why I was approved and then denied after submitting extensive personal documentation. XXXX. The collection and retention of my sensitive personal information after the denial. XXXX. Whether my information is being securely stored, shared, or used for any other purposes.…

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XXXX Bank XXXX Sunbit Now, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account Dispute and Hardship Request Agreement XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account and request review and dismissal of any collection activity associated with this financing agreement. This loan was obtained to pay for dental services through XXXX XXXX XXXXXXXX XXXX XXXX. Unfortunately, I am dissatisfied with the dental results and the services provided did not meet reasonable expectations for the treatment financed. Because the services were incomplete and/or unsatisfactory, I am disputing the validity of the balance being collected. Additionally, I am currently experiencing financial hardship that has made it difficult to maintain payments. This hardship was not intentional and reflects my present financial circumstances rather than a refusal to resolve the account.…

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I got Sun it credit card did not know it was pay on line .custy service was new unqualified to XXXX XXXX questions or make any decisions being new customer service stated she would send last statement it took XXXX months to Reciever it and it was ok pay when I received last statement durning that time I received over 40 calls daily over XXXX dollars its like they got new people XXXX I say everyday same messages over over over until I started recording thier XXXX XXXX each day I told them I was recording they got up set problem is I could have paid the bill off if they sent me last bill I do not give my banking over phone its scam they rob your account they were like rude and they ding my credit report for their lack of tranning their employees I Reciever the last bill so they can get the XXXX dollars before they go bankrupt

Several accounts were reported on my credit reports between XXXX and XXXX as collections or charge-offs with balances ranging from approximately {$200.00} to {$1900.00}. Some of these accounts continued to report balances after being charged off, and others appeared to be reported inconsistently across credit bureaus. In XX/XX/XXXX, I disputed these accounts with the credit reporting agencies and requested verification under the Fair Credit Reporting Act ( FCRA ). I have not been provided documentation showing that these accounts were accurately verified, including proof of the obligation or authority to report.

XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX / Sunbit ( Re : Account reported as XXXXSUNBIT ) Re : Debt Validation Request XXXX/SUNBIT Account ( Charged Off ) To Whom It May Concern, I am writing regarding the XXXXSUNBIT account that appears on my XXXX credit report. This account is reported as charged off as of XX/XX/XXXX, with an alleged balance of {$990.00}. This letter serves as a formal request for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and applicable provisions of the Fair Credit Reporting Act ( FCRA ). Please provide the following documentation : XXXX. The exact amount of the alleged debt and a complete itemized accounting of all charges, fees, interest, and credits applied. XXXX. A copy of the original signed contract or agreement bearing my signature. XXXX. Proof of your legal right to collect this debt, including any assignment or transfer documentation. XXXX.…

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They sent me an email saying that the review of my account was completed after XXXX months of them stalling and they keep saying they sent an email giving me their answer when I havent received any emails with the answer and I have chatted with different agents and they said they resolved it by email when they havent and for some weird reason they wont tell me if my account can be used or not over the sites chat which I dont understand how difficult it is to tell me yes or no and send me the correct email and not several repeating emails saying they cant provide any further info when they can Ive dealt with this for XXXX months their customer service is horrible and the site doesnt provide any information

Sunbit through XXXX XXXX approved a credit card with an initial credit limit of {$2300.00}. The card was received but I was unable to activate the card, however, was able to download it via online. The card was reported to the three credit bureaus and closed immediately. Sunbit advised that they could not give any reason for closing the account, but they would send a written explanation. Numerous calls were made, verbal questions were asked and were answered. They never sent anything in writing, nor gave a verbal explanation. One lady said that an explanation was emailed to me, so I asked her to resend the email to me via email, and she put me on hold, came back to the phone and then stated that she's sorry it was not emailed to me.

I am filing this complaint regarding Sunbits handling of unauthorized activity on my account. On or about XX/XX/year>, I reported unauthorized charges on my Sunbit account. I was informed that the issue had been logged and that my card would be replaced. Despite this representation, no investigation appears to have been documented. The unauthorized balance remains on my account, and as of late XX/XX/year>, Sunbit continues to report that I owe a large balance that I did not authorize or incur. I have attempted to follow up multiple times since XX/XX/year>, but Sunbit has not responded to my calls or resolved the dispute. Sunbits failure to properly document, investigate, and resolve reported unauthorized activity while continuing to report the balance is inaccurate and harmful.…

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On XX/XX/year>, I financed optional XXXX trays through Sunbit at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX During my appointment, impressions were taken. I was not informed that these impressions were for optional take-home trays. I believed they were part of my root planing/deep cleaning treatment. On XX/XX/year>, I contacted XXXX XXXX requesting a refund of my deposit and cancellation, as no trays had been delivered and I had not received or used any take-home product. On XX/XX/year>, I again formally requested cancellation and a refund for the trays, explaining that the trays were optional, misrepresented, and never received. XXXX XXXX did not respond to my written requests or provide documentation showing informed consent or proof of delivery. I contacted Sunbit requesting my signed financing agreement, proof of delivery, and cancellation of the loan due to non-delivery and misrepresentation.…

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In XXXX of last year my daughter went to XXXX XXXX XXXX XXXX for a consultation on retainer. She paid up front for the consultation and used my name and XXXX to apply for a loan to cover the retainer. The payments for the loan were to start when the retainer was delivered. She changed her mind the next day and cancelled the order. The retainer was never made or delivered, but my information was sent to Sunbit ( the loan provider ) and automatic payments were taken from her bank account. XXXX payments of {$190.00} were withdrawn before she realized and she blocked the card and requested her money be re-imbursed. Sunbit refused and said the XXXX office must send them a zero-balance invoice before the loan can be cancelled. Numerous calls have been made to the dentist with no resolution. In the meantime, my credit has been hit from XXXX to XXXX. The dentist agreed a mistake was made but that they do not have the power to correct it...…

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I called the Sunbit Customer service number tonight XX/XX/year> ( XXXX ) to troubleshoot my Credit Card available balance which turned out to be {$150.00}. This agent from an XXXX company stated my card was blocked and I needed to verify my information. SHE MADE ME VERIFY EVERY ITEM ON MY CREDIT REPORT : Last XXXX addresses, profession, social security number, telephone numbers. This aged in a foreign country should not have access to my CREDIT REPORT, I already have the card so this is illegal. This is how people 's ID get STOLEN. After all this verification, she still would not release the HOLD on my card. I told her that no other credit card company HAS EVER asked me to verify information on my credit report? I've been paying on the card for XXXX YEAR!!!!

I mentioned to one of the associates that was XXXX so from that moment for they restricted my card and nobody would give me a straight answer theyre required verification. I sent all the documents they were approved and from that forward thats been almost a month ago. they said itd be 10 days and its still restricted and I think they mightve actually closed my account now because of them discriminating against my XXXX my XXXX orientation, which is not right no way to do business and its very sad that this company is being able to get away with this and they would not give me anybody higher up that I could talk to or speak to about the situation, they just kept on ignoring me and you know telling me oh theyre working out theyre working on it. They werent working on anything other than try to close my account because of my orient orientation

I used Sunbit to finance a vehicle service at XXXX XXXX XXXX XXXX XXXX XXXX. My first payment was made on XX/XX/XXXX, and I paid the loan in full on XX/XX/XXXX. Despite the payoff, Sunbit continued initiating withdrawals from my XXXX XXXX XXXX checking account beginning in XX/XX/XXXX. I was charged again in XX/XX/XXXX. In XX/XX/XXXX, I disputed a Sunbit charge with XXXX XXXX XXXX. The bank investigated and issued permanent credit, confirming the charge was unauthorized. Despite this outcome, Sunbit initiated a new withdrawal on XX/XX/XXXX. This withdrawal occurred after authorization was revoked and after the dispute was resolved. My bank issued a new debit card and attempted transaction blocks, indicating these withdrawals are ACH-based. During the original approval process, the dealership used my parents Social Security numbers to obtain approval, raising serious concerns regarding borrower identity and authorization.…

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I received an email from credit card servicer Sunbit - XXXX XXXX XXXXXXXX XXXX. aka XXXXXXXX XXXX The email from sunbit states that they need to verify my account. I have had the account for XXXX months. Opened XXXX XXXX with a {$2300.00} credit limit. Currently {$1900.00} balance owed and payments have been made accordingly. I have used the card for a car tow ; home window repair and my son 's rent. Sunbit has not been able to provide me with any reason WHY they need to verify my account but they are asking me to provide the following information via email - no encrypted portal no secure site just via email - XX/XX/XXXX Hi XXXX We need more information to verify your account. Please email the following items to XXXX by XX/XX/XXXX ( you can do that by replying to this email ) -A picture of yourself holding your valid state issued ID or driver license with the ID clearly readable -A picture of the front of your valid state issued ID or driver license.…

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I am disputing the XXXX account on my XXXX credit report. This account is fraudulent and completely inaccurate. I have never opened, authorized, or signed for this account. Continuing to report this false information is a direct violation of the Fair Credit Reporting Act ( FCRA ). XXXX is hereby put on notice : I demand immediate removal of this account unless full, verifiable documentation proving that I authorized this account is provided within the legally required timeframe. Failure to comply constitutes willful noncompliance with federal law, and I am prepared to pursue all available legal remedies, including but not limited to regulatory enforcement, civil damages, and reporting to law enforcement. Any attempt to continue reporting this account without proper validation will be considered malicious and legally actionable. This matter is being filed with the Consumer Financial Protection Bureau ( CFPB ), and I expect a full response.

Ive tried numerous times to have XXXX XXXX XXXX XXXX XXXX to cancel my debt. However, when I called to speak with the billing department to tell them my story, I was passed back and forth by the receptionist and left on hold until the phone was disconnected. I would love to see you try to speak with someone in their billing department at ( XXXX ) XXXX. I went to XXXX XXXX XXXX XXXX XXXX to have my XXXX XXXX XXXX repaired on XX/XX/XXXX. I sat in there all day. 2 weeks later my car started stalling out when I turned it on, requiring me to crank the engine multiple times before it started and the car would just shut off while I was driving. I called the service department and scheduled a time to come back to fix my car the following week. Before I could take my car back the car completely died. I needed a car immediately and didnt trust XXXX XXXX XXXX XXXX XXXX would/could fix my car so I had to purchase another car quickly.…

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I have a credit card account with XXXX Bank c/o Sunbit Now, XXXX. I used the credit card twice and was feeling great about it. On XX/XX/XXXX, Friday, they requested verification of my credit card account. They asked for my driver 's license and social security card, both front and back, a picture of my driver 's license next to my face, and recent utility bills and bank statements from which I make my payments. Then I let them know I dont have a utility bill, only my mother 's name. I dont have a car, so I don't have car insurance or a mortgage. On XX/XX/XXXX, Monday, I contacted Sunbit to see if they had my documents. I sent them on Saturday, XX/XX/XXXX. One representative stated I need to send over my bank statement again, but make sure they can see all four corners. The representative said that since I dont have utility bills in my name, I can send my government benefit letter that I just received for my XXXX Benefits.…

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I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am filing this complaint regarding SUNBIT ( also reporting as TAB/SUNBIT ) because the account they are reporting on my credit file does not belong to me, was never opened or authorized by me, and is the result of identity theft. I have already filed an FTC Identity Theft Report, notified SUNBIT of the fraud, and disputed the account with the credit bureaus. Despite this, SUNBIT continues to report the account as a collection/charge-off and has refused to delete it, even though they have not provided any original documentation proving that I opened or agreed to this account. This complaint is necessary because XXXX actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal identity theft protections. SUNBIT has failed to conduct a reasonable investigation, failed to validate ownership of the account, and continues to furnish inaccurate and harmful information to the credit bureaus. I.…

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Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}. It shows this account was opened on XX/XX/XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}. It shows this account was opened on XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}. It shows this account was opened on XX/XX/XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. Account Name : SUNBIT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}.…

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I am requesting that all interest and finance charges be removed from this loan and that the balance be adjusted to the original dental charge only. I was rushed into signing at the dental office and was told the financing was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} charge. I believe this loan involves violations of the Truth in Lending Act ( TILA ) and Unfair or Deceptive Acts or Practices ( UDAP ). I was rushed into signing the financing at the dental office and was told it was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} dental charge. A fair resolution would be removal of all interest and finance charges, re-amortization of the loan to the original principal only, or conversion to a true no-interest payment plan.…

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This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is making my life hard and XXXX

Sunbit credit card said that their policy regarding a credit balance is to issue a refund in the time frame of 30-90 days after the customer requests it ( a different agent said 30-90 days from receipt of the refund to the credit card ). I phoned them twice, emailed them twice and phoned again in an attempt to get this process expedited. On XX/XX/XXXX the amount of {$3400.00} was deposited into my account by the XXXX visa service. I can not spend this money from the card because the account is closed. I feel like they are holding my money hostage and this is not fair. I first called them in XXXX - sorry I don't have the exact date. Then I called after XX/XX/XXXX, thinking I was in the 30 day window and may have success. I emailed them XX/XX/XXXX and again XX/XX/XXXX. In their response on XX/XX/XXXX they asked me to call their customer service team which I did and spoke to XXXX.…

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I applied and was approved for an XXXX credit card from Sunbit. I was using said card and had zero issue when the charges were under {$100.00}. The second I attempted a charge over {$100.00} they flagged my account for fraud, restricted my card and demanded a copy of my signed social security card, ( which a social security officer stated should never be done ) my bank statement ( which my bank account was already linked for payments ) a utility bill, a photo of my license front and back as well as a selfie with my license. They did not inform me anything was wrong I had to reach out and ask. They refuse to unblock my card unless I give them a photo of my signed social security card. I have asked why this wasnt required prior to the application that did a hard hit to my credit report and they wont answer. I have asked why they need the information and they said because the XXXX department wants it.…

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Saw on my credit report a credit card issued by SUNBIT, INC on XX/XX/XXXX XXXX Credit available is {$5000.00}. SUNBIT address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX. Telephone number is XXXX. I did not open this account or ask for a credit card to be issued to me from this company. The CFPB is requesting information that I do not have. I do not know what the card number is ( I don't have access to that ). I also do not know what address they used that is linked to that card

In XX/XX/XXXX, I contacted Sunbit and requested that my payment due date be moved because the original date ( XX/XX/XXXX ) no longer worked for me. Sunbit APPROVED this request and sent me an email confirming : Scheduled Due Date : XX/XX/XXXX ; Amount : {$100.00} ; Will be charged on XX/XX/XXXX. I have all email records. Later in XXXX I contacted Sunbit again and asked for the payment to be moved to the end of the month instead. Sunbit approved this second request and moved my due date to XX/XX/XXXX, with the amount STILL {$100.00}. On XX/XX/XXXX, I paid {$100.00}, which matched the modified due date and amount Sunbit approved. However, despite Sunbit approving the new payment date and amount, the company later claimed this payment was past due and outside their XXXX timeframe, even though they themselves changed the date to XX/XX/XXXX.…

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