Sunbit, Inc.

CFPB Complaint Against Sunbit , Inc . Company : Sunbit , Inc . Product : Installment Loan / Consumer Financing Issue : Incorrect account status information, inaccurate due dates, improper credit reporting, and failure to provide meaningful customer support Complaint Narrative : I am filing this complaint regarding Sunbit , Inc.s inaccurate communications, misleading online account information, improper credit reporting, and failure to provide adequate customer service concerning my account. Sunbit has repeatedly provided incorrect and conflicting information about my account status and contractual payment due dates. I possess screenshots and documentation supporting each of the issues described below, including copies of my loan contract, Sunbit email communications, screenshots of Sunbits online account portal, and records of my attempts to resolve this issue through customer care.…

I disputed a Sunbit account for a XXXX XXXX that was never provided. The XXXX was extracted instead. I contacted Sunbit multiple times in writing and received no response. The original dental office is now closed, making verification impossible. Despite this, Sunbit continues to report negative information and attempt collection. XXXX denied my dispute without proper investigation. This account is inaccurate and should be removed.

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 XXXX XXXX XXXX.

I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

On XXXX/XXXX/XXXX I received a Past Due Notice from Sunbit dated XX/XX/XXXX regarding a card ending in XXXX. On XX/XX/XXXX I called Customer Support to discuss this matter as I have never applied for or opened an account with Sunbit. The address listed on the account hasnt been my current address for over a year, yet the account was established using this old address. This is a fraudulent account and Sunbit did not attempt to validate the credentials used to establish this account. As a result of the XX/XX/XXXX phone call, I was provided an email from Sunbit with direction to perform the following : File an FTC Identity Theft Report File a police report Submit a copy of my driver 's license On XXXX/XXXX/XXXX I successfully emailed the above items to Sunbit Consumer Verification XXXX per the email provided to me by Sunbit Customer Service. I have received letters from Sunbit dated XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX, stating that the fraudulent account is past due.…

A fraudulent Sunbit credit account was opened in my name on XX/XX/XXXX. I learned of the fraudulent account in XX/XX/XXXX and immediately notified Sunbit. I filed a police report. Since that time, a company XXXX who is providing me identity theft services due to a security incident at XXXX XXXX XXXX XXXX with my personal information, has submitted multiple disputes to Sunbit on my behalf. They have provided Sunbit with copies of my personal identification information and a copy of the police report I filed avowing the fraudulent opening of this account. They submitted the first dispute via fax on XX/XX/XXXX. I received a past due notice from Sunbit dated XX/XX/XXXX. On XX/XX/XXXX XXXX submitted an email to Sunbit ( XXXX ) requesting a status of the dispute. That email was confirmed as received. On XX/XX/XXXX XXXX again attempted to obtain a dispute disposition via email with Sunbit. Again the email was confirmed as received.…

This situation has caused a significant emotional and financial toll on me. I have experienced loss of sleep, constant stress, and embarrassment from being turned away by landlords for a debt that should not even be on my credit report. This has negatively impacted my ability to secure safe and stable housing for myself and my family. The company reported and attempted to collect a debt in the amount of {$570.00} that I did not agree to and did not authorize. I did not sign any agreement or legal contract for this account. A valid contract requires agreement by both parties, and I did not participate in or consent to this alleged debt. Additionally, the debt collector failed to follow the proper FDCPA-required validation procedures, including providing adequate verification of the debt. Furnishing and continuing to report this unverified account constitutes unfair and deceptive practices prohibited under the FDCPA.…

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.…

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.…

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.…

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.…

No response from letters and calls and I did not authorize any of this

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.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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.…

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.…

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...…

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.…

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.…

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.…