CFPB COMPLAINT DATABASE
516 real consumer complaints filed against Sunrise Credit Services, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against Sunrise Credit Services, Inc. where the consumer chose to publish their narrative.
Account XXXX XXXX XXXX # * XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide XXXX Mail with receipt displaying my signature. If not, please delete account # * XXXX as soon as possible from my report or i will have to take legal action.
SUNRISE CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
In XX/XX/XXXX and XX/XX/XXXX, I received confirmations both by email and over the phone from XXXX XXXX XXXX stating that they had received the equipment I returned to them. I never even opened the equipment box, and the account/service was never activated. I returned the package exactly the way I received it. Even after the return, I continued receiving charges related to a non-return equipment fee. However, XXXX XXXX XXXX representatives repeatedly told me by phone and email not to worry and to ignore those notices because they were automatic system-generated messages. Now, to my surprise, in XX/XX/XXXX, I am being contacted by a collection agency regarding a debt that I do not owe. I dispute this debt and request that this matter be investigated and corrected immediately.
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing a complaint regarding inaccurate and unverified debt reporting. I contacted Sunrise Credit Services to request validation of an account they are reporting under my name. Despite providing identifying information, the company has not been able to properly validate the account or provide documentation proving the debt is accurate and belongs to me. Instead of providing validation, Sunrise Credit Services has repeatedly requested additional information from me, without first verifying or substantiating the debt they are reporting. Additionally, XXXX XXXX XXXX informed me at the time of my final bill review that no balance was due on the account. Based on that information, I understood the account to be settled with no outstanding amount owed. As of today, Sunrise Credit Services has not provided proper validation or supporting documentation, yet the account continues to be reported on my credit file.…
I am requesting a full and documented resolution of this matter in accordance with applicable federal law governing debt collection practices. Specifically, I request that Sunrise Credit Services and/or XXXX XXXX : Provide complete validation of the debt, including : The name of the original creditor The current legal owner of the debt A complete chain of assignment or sale of the debt from the original creditor to the current entity Documentation demonstrating the companys legal authority to collect Provide a detailed accounting of the amount being collected, including : The original balance Any interest, fees, or adjustments applied How the current balance of approximately {$13000.00} was calculated Clarify whether any other entity is collecting or has attempted to collect the same debt, and confirm that no duplicate or overlapping collection activity exists.…
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I request a full investigation under the Fair Credit Reporting Act. I am challenging the completeness and accuracy of these accounts. Please provide verification showing : - Proof of ownership and assignment - Full chain of custody from original creditor- Original signed contract or agreement - Accurate balance validation - Documentation used to verify reporting If these accounts can not be fully verified as accurate, they must be removed immediately from my credit file. Please provide written results of your investigation. Sincerely, XXXX XXXX
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 has caused me mental stress and anxiety.
in XXXX they told me that i purchased phones and never paid for them from XXXX i never did such a thing. i have phones with XXXX and have had they bought out XXXX and switch XXXX consumers to XXXX XXXX in XXXX i never agreed or signed any paper work for the fraudulent activity. they couldn't provide any information or contract that had my signature
XXXX charged me for a early termination of {$200.00}. I asked them not to do to me having to move abruptly. I was with them for 15 years but the minute I could not keep them because the place I moved had move to had another agreement with a different company. I could not keep both. So the agreement on XX/XX/year> was for them to waive the last {$100.00}. During that time I requested a letter stating the {$100.00} was waived and they never sent it. Fast forward I am now in collections with sunshine credit attempting to charge the last {$100.00} XXXX lied about. Not only that the debt collector as re-aged the debt to reflect missed payments from XX/XX/year> ( complete fabrication ). Because my last payment was XX/XX/year> so how are they able to place a debt before it even happened?
I am disputing a XXXX account that was sent to collections while an active billing dispute remained unresolved. My account accumulated charges totaling approximately {$800.00}, including repeated $ 100 monthly data overage fees and returned payment fees. I made multiple good-faith attempts to resolve the account, including submitting payments and contacting XXXX through customer service and Executive Relations. I filed an FCC complaint ( File # XXXX ) after XXXX failed to address my concerns. Comcasts response did not address the disputed charges and instead provided a generic billing summary without validating the accuracy of the fees or resolving the issue. I specifically requested a full itemized breakdown of charges, clarification of data overage fees, and written communication regarding resolution. XXXX did not provide a meaningful response and continued to send duplicate, non-substantive communications.…
In XX/XX/2025, I purchased an XXXX XXXX XXXX prepaid smartphone and prepaid service plan through XXXX. The phone was sold as prepaid and was picked up at the XXXX XXXX in XXXX, South Carolina on XX/XX/2025. At the point of pickup, a XXXX employee improperly activated the prepaid device as a postpaid XXXX XXXX XXXX account without authorization, disclosure, or consent. Neither I nor the intended user agreed to or signed for any postpaid service or contract, and the postpaid account should never have existed. As a result of this unauthorized activation, XXXX & XXXX billed charges to an invalid account and later referred the balance to a thirdparty debt collector, Sunrise Credit Services. I do not owe this debt. I disputed the account and sent written ceasecontact notices, yet collection attempts continued to my phone number and to the intended users email address.…
I am submitting this complaint regarding Sunrise Credit Services for reporting inaccurate and damaging information on my credit report. On XX/XX/XXXX, Sunrise Credit Services appeared on my credit report with a balance of {$2700.00}, claiming that I opened an account with them on XX/XX/XXXX. I have never opened any account with Sunrise Credit Services, nor have I had any prior communication with this company. On XX/XX/XXXX, I contacted Sunrise Credit Services and spoke with a representative identified as XXXX XXXX ( phone number : XXXX ). During this conversation, XXXX XXXX stated that their company obtained my information on XX/XX/XXXX, from their client, XXXX, who allegedly claimed that I owed a debt. I informed XXXX XXXX that I have no outstanding balance with XXXX and that my account with them is in good standing and paid in full.…
I am contacting you regarding Sunrise Credit Services , Inc account, which is reporting as a collection to the credit bureaus. I am disputing the accuracy and completeness of this information. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and fully verifiable information. I am requesting that you provide documentation supporting the accuracy of your reporting. Please provide : 1. A written debt validation letter. 2. A copy of the original signed contract or application. 3. A complete payment history. 4. Documentation showing the date of first delinquency. 5. Proof that the amount reported is accurate and legally owed. 6. If the account was sold or transferred, documentation showing the chain of assignment. If you can not provide full verification, you are required under * * 15 U.S.C. 1681s2 ( a ) * * to correct or delete the inaccurate information you are furnishing to the credit bureaus.…
I am filing this complaint against XXXX and Sunrise Credit Services for deceptive collection practices and harassment. For months, they chased me down for " unreturned equipment. '' I originally sent the equipment back in XX/XX/year> and it came back to me returned. After it was returned to me I resent it and this time kept the shipping information. After repeated attempts at collecting on the equipment I provided a XXXX receipt ( Tracking : XXXX ) proving the equipment was delivered and signed for by " XXXX '' on XX/XX/year>. Only AFTER I provided this proof did Sunrise suddenly switch their story to a {$93.00} service bill that was never once mentioned during the entire collection process. Sunrise told me they were " stopping collections, '' but they were actually being deceptive and just shuffling this new, undisclosed charge back to XXXX to start the cycle over.…
On XX/XX/year> between approximately XXXX XXXX and XXXX XXXX, I spoke with a representative from Sunrise Credit Services regarding an account I do not recognize. I clearly stated that this account is not mine and is the result of identity theft. During the call, I requested full debt validation and a fraud/identity theft packet. The representative initially refused to provide this and stated he would not complete a fraud packet on a recorded line. He also instructed me to contact XXXX XXXX XXXX and implied that my refusal to do so meant the account was mine, which is false and misleading. I explained that I have never had an account with XXXX XXXX XXXX and that I was disputing the account directly with Sunrise Credit Services. The representative continued to dismiss my dispute and attempted to pressure me to contact a third party instead of properly handling the dispute.…
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
This debt is not mine. I called XXXX XXXX XXXX. The customer representative said there is no collection in my account. I paid XXXX with auto pay so there should be no leftover bills. If you look at my credit report, you will see that I have no XXXX or XXXX charges. It doesn't show late payment or any kind of payment as discribed by the collection agency Sunrise Credit Serivice.
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
My name is XXXX XXXX, and I am writing to formally dispute the collection account that Sunrise Credit Services is attempting to collect from me. This account, ending in XXXX, with a balance of {$740.00}, is reported as a collection account on both XXXX XXXX XXXX credit bureaus. However, this debt is not mine, and I have never incurred such a liability. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. Upon discovering this erroneous collection account, which has negatively impacted my credit scores ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), I immediately took steps to address the issue. On XX/XX/XXXX, I contacted both XXXX XXXX XXXX to dispute this account, providing them with all necessary documentation to prove that I have no affiliation with this debt. Unfortunately, despite my efforts, the account remains on my credit reports, further damaging my creditworthiness and causing undue stress.…
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods.…
I disputed this collection account with Sunrise Credit after seeing it reported for {$3800.00} with an opening date of XX/XX/year>. I do not recognize this account and do not recall having an XXXX XXXX XXXX account during this time period. I requested validation of the debt, including supporting documentation and proof of the original obligation. The company responded that the account was verified but did not provide any documentation or meaningful proof. I also had difficulty getting clear information when I contacted them, as they did not initially explain who they were or provide sufficient details. I am requesting proper validation of this debt or removal from my credit report if it can not be verified.
I recently reviewed my credit report and noticed an account listed in collections that I do not recognize. I did not open this account and was previously unaware of its existence. I filed disputes with all three credit bureaus XXXX XXXX, and XXXX XXXX has since removed the account from my report ; howeverXXXX XXXX has responded that the account belongs to me. I want to reiterate that I have not opened any new accounts and have no knowledge of this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX XX/XX/XXXX SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX, NY XXXX, By our records, this correspondence serves as the final attempt to amicably settle an outstanding debt against your account, with the account number * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sum, as of today 's date, amounts to {$720.00}. We regret to inform you that despite our previous requests, this balance remains unpaid. Kindly note, that your failure to respond or partial commitment to repayment will leave us no alternative but to proceed with formal debt collection proceedings. We urge you to take this matter seriously to avoid potential detriment to your XXXX XXXX, which would inevitably affect your future financial endeavors. You have until XX/XX/XXXX to resolve this outstanding amount, after which we will initiate proceedings without further notice.…
On or around XX/XX/year>, I received a debt collection letter from Sunrise Credit Services XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ), attempting to collect an alleged debt of {$3900.00} purportedly owed to XXXX XXXX XXXXXXXX XXXX XXXX, XXXX account ending in XXXX ( SCS reference XXXX XXXX ). I dispute this debt in its entirety and have not received adequate verification or validation of this alleged obligation. The collector has not provided : ( 1 ) proof that Sunrise Credit Services , Inc. is licensed to collect debts in the state of Florida ; ( 2 ) a copy of the original signed agreement or contract establishing this debt ; ( 3 ) a complete payment history showing how the current balance was calculated ; ( 4 ) proof that the statute of limitations has not expired ; or ( 5 ) documentation confirming that Sunrise Credit Services holds the legal right to collect on this account.…
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…
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