Sunbit, Inc.

I paid off this account in full and closed this account. They keep reporting that its open and im in a derogatory status every month and it shows open. I dispute this on a monthly basis and it will show closed for about XXXX weeks and then they report it as open again.

On XX/XX/XXXXXXXX I brought my XXXX XXXXXXXX XXXX XXXX to XXXX of XXXX XXXX XXXX ( XXXX XXXX, Dealer # XXXX, XXXX XXXX XXXXXXXX ) for routine maintenance. Dealership staff directed me to finance {$630.00} through Sunbit ( XXXX XXXX. XXXX, XXXX XXXX ) for services including a XXXX XXXX XXXX XXXX XXXX XXXX explicitly described in the dealership 's own invoice as performed to help prevent premature hybrid battery failure ( {$430.00} labor ). I made a {$100.00} down payment and have been making monthly payments of {$98.00} with {$490.00} remaining. Just six days after this financed service was performed, my vehicle began experiencing repeated no-start failures six total between XX/XX/XXXX and XX/XX/XXXX each requiring XXXXXXXX XXXX XXXX or XXXX XXXX. The exact condition the service was sold to prevent began occurring almost immediately after the service was performed.…

SUNBIT REFUSED TO WORK WITH ME A CUSTOMER DURING ECONOMIC DOWNTURN REACHED OUT MANY TIMES FOR HELP. NOTHING XXXX WAS OFFERED NO.LOWER PAYMENTS. NO REDUCED INTEREST. NO HARDSHIP PROGRAMS. NO NOTHING XXXX TERRIBLE COMPANY

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.

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

My credit card account is the Sunbit Card, issued by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and serviced by Sunbit Now, XXXX. On XX/XX/year>, Sunbit initiated an ACH pull of {$780.00} from my bank account as a payment toward this account. The transaction was initiated and settled the same day. My records confirm it as settled, with trace number XXXX and transaction ID XXXX. The company initiated this pull itself. The funds left my account and settled on XX/XX/year>. As of XX/XX/year>, the company has not credited the {$780.00} to my account balance. This violates the prompt crediting requirement of the Truth in Lending Act, 15 U.S.C. 1666c, and Regulation Z, 12 C.F.R. 1026.10 ( a ), which require a card issuer to credit a payment to the consumer 's account as of the date the payment is received. The company received these funds on XX/XX/year> and has failed to credit them.…

textI am filing this complaint against Sunbit because their customer service department is actively blocking my federal rights to file a dispute under the Fair Credit Billing Act. I am submitting the formal billing dispute notice below, which I have also emailed to their support team : To Sunbit Corporate Compliance & Dispute Department : I am submitting a formal billing dispute under the Fair Credit Billing Act for 17 separate XXXX XXXX transactions charged to my Sunbit Credit Card, totaling {$420.00}. Important Account History & Customer Service Violations : I previously attempted to dispute these transactions over the phone. The first representative I spoke with explicitly told me I had to wait a specific number of days before a dispute could be opened. I followed his instructions, waited the required time, and got delayed by personal obligations before calling back. Today, XX/XX/year>, I called back to open the case and encountered astronomically unacceptable customer service.…

I am filing a formal consumer protection complaint against XXXX XXXX in XXXX XXXX for deceptive billing. I took my XXXX XXXX scooter there to be fixed. The shop manager originally diagnosed the issue as tight engine valves. I agreed to a repair and paid {$560.00} using a Sunbit account : " When I picked up the scooter, it was completely broken and would not run. My parts receipt shows they did not touch the valves. Instead, they charged me over {$200.00} for carburetor and fuel parts, including a slow jet, a float valve, and a float chamber gasket. They replaced fuel parts that had nothing to do with the tight valves they diagnosed. '' " When I confronted the shop manager about the bike still being broken, he changed his story and claimed the scooter now has complete engine failure. They charged my loan {$560.00} for a failed guess and worked on the wrong part. The manager refuses to fix it or refund my money.…

On XX/XX/year>, I opened XXXX XXXX XXXX XXXX. XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) via Sunbit for an Amount Financed of {$3600.00} at a 27.99 % XXXX. This loan was approved for the strict purpose of financing a specific dental treatment plan for fillings with the merchant, XXXX XXXX XXXX XXXX. Ultimately, no fillings were ever performed, resulting in a total failure of services. I immediately contacted the merchant to cancel the loan. Instead of voiding the balance to {$0.00}, the merchant unilaterally adjusted the loan to a remaining balance of {$200.00} to cover standard office exams and X-rays that were not covered by my insurance. I never gave consent or authorization to finance these basic office fees through a Sunbit installment loan. Under the explicit " Multiple Disbursal Loan '' provision of my signed contract, if the financed products or services are not delivered, the merchant and consumer must make " alternative arrangements to pay ''.…

In XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXX and informed that my vehicle repairs were complete. I was sent a Sunbit financing link and made a {$400.00} down payment toward the repairs. Shortly afterward, the repair facility informed me that additional issues had been found with the vehicle, and my car remained in the shop from XX/XX/year> through XX/XX/year>. During this time, I did not make monthly payments on the Sunbit account because the vehicle was still in the repair facilitys possession and the total repair cost had not been finalized. In XX/XX/year>, I explained this situation to Sunbit when contacted about payment, and I was told the information would be noted on my account. On XX/XX/year>, I was informed that my vehicle was finally ready for pickup. However, when attempting to retrieve the vehicle, I was told by Sunbit that my original financing agreement had expired due to alleged late payments totaling approximately {$400.00}.…

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

they said trhey mail card out never rec i informed them to send it w tracking

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