Updated on February 6th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Sunrise Credit Services

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

Below is a summary of consumer complaints submitted to the Consumer Financial Protection Bureau (CFPB). These issues shine a light on troubling practices consumers have reported against Sunrise Credit Services in their debt collection processes. If you believe any of these describe your experience, knowing your rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) is essential. Free legal assistance is available to help you take action.

Key Complaints Reported by Consumers 

Unauthorized Reporting to Credit Bureaus

Many consumers have complained about instances where Sunrise Credit Services reported inaccurate debts to credit bureaus. Negative marks were placed on credit reports for debts the individuals either did not owe or were tied to fraudulent accounts. Such actions can harm a consumer’s credit score and financial opportunities.

Your Legal Recourse under the FDCPA and FCRA:

• Request a thorough investigation of the debt.
• Dispute the inaccurate information with credit bureaus.
• Demand the removal of any unverifiable or fraudulent debt from your credit report.
• File complaints with the CFPB and FTC about unauthorized actions.

Need support? Contact us today for a free consultation with consumer protection law experts.

Failure to Provide Validation Information

Consumers are entitled to receive validation of their debts upon request. Numerous reports state that Sunrise Credit Services failed to provide the necessary documentation, leaving individuals in a cycle of frustration, uncertainty, and mistrust.

Your Legal Recourse under the FDCPA:

• Send a written request for validation within 30 days of initial contact regarding the debt.
• Dispute collections if the validation is not provided.
• Retain written records of all communication and responses for potential legal action.

You don’t have to face this alone. Reach out to connect with legal professionals ready to fight for your rights.

Use of Deceptive Practices

Consumers have reported deceptive tactics being used by Sunrise Credit Services, such as misleading communication, threats over nonexistent debts, or failure to disclose accurate information about the account. Such actions violate federal guidelines and consumer rights.

Your Legal Recourse under the FDCPA:

• Require debt collectors to provide accurate and complete information regarding your debt.
• Report any misleading or threatening behavior to state and federal authorities.
• Seek damages for unethical debt collection practices.

If you’re experiencing deceptive practices, do not hesitate to consult with legal experts who specialize in holding debt collectors accountable.

Fraudulent Charges and Identity Theft

Reports highlight multiple incidents where debts were linked to fraudulent accounts created in the consumer’s name without their consent. Victims often find themselves overwhelmed when trying to rectify these issues.

Your Legal Recourse under the FCRA and FDCPA:

• Report the fraudulent activity immediately to credit bureaus and request fraud alerts.
• Dispute the debt directly with the collector and provide proof of identity theft.
• Submit a police report and file an identity theft affidavit with the FTC.

We can assist you in navigating the legal steps to resolve fraudulent debt claims effectively.

Harassment and Excessive Communication

Many consumers claim that Sunrise Credit Services engaged in harassment, including excessive phone calls, emails, and threats, worsening the stress of debt collection.

Your Legal Recourse under the FDCPA:

• Demand the cessation of all contact with a “cease and desist” letter (except for legally required notifications).
• Document all occurrences of harassment as evidence.
• File a lawsuit for statutory damages of up to $1,000.

If you’ve been harassed by debt collectors, help is available. Contact us for a free legal consultation to better understand your options.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Sunrise Credit Services, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

About the author:

stopcollections

See more posts from stopcollections