Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against collection agencies, Sunrise Credit Services , Inc. as well as, XXXX XXXX XXXX, XXXX. 

Neither one of these two collection agencies has contacted me prior, to verify the debt that they are claiming that they are collecting on. 

Sunrise Credit Services , Inc. claims that they received a debt to collect on from XXXX XXXX XXXX, XXXX, and according to the heading on this letter XXXX XXXX XXXX is collecting, for, XXXX XXXX XXXX XXXX XXXX In the past I did own a XXXX XXXX, and aside from not getting credit back to the card on several items that I had returned back to their company, it is apparent that for some time, the bank has been charging all sorts of amounts in fees and charges to that account, running up a balance that I did not charge up. 

These collection agencies are making it seem as though I have had dealings with XXXX in 2020, so as to add fraudulent status information onto my credit files, so as to slander, and ruin my credit. 
I have had no dealings with XXXX in over a year, especially not in 2020, they are trying to place fraudulent status dates onto my credit files that are not true. 

There were always intentional billing issues between XXXX, and the bank, whenever a consumer purchases items, the statements never show details of the items that were purchased, and the same with items that were returned. 

In the past I had made many telephone calls to XXXX customer service, as well as the bank trying to get assistance regarding wrong charges on my account, as well as not getting credit for several large items that I had returned to XXXX. 

One situation was with a defective brand of vacuum cleaner that I had purchased, and they had sent to me, and the items were returned back to them several times, because the canister would not stay closed, for some reason they never got the account corrected regarding the returned items. 
In trying to get this, and other situations resolved over time, neither the bank or XXXX were of any use, because everything always ended up in their favor they could never fully resolve my issues. 

In the past they have shipped items to the XXXX store near my home without my knowledge, instead of to my home, causing return, and billing issues to that account. 
Then when I would call XXXX or the bank, neither could ever get things straight, because when I would try to get details, they never had itemized purchases on the statements on my side, nor theirs, there were always just amounts. 

In my opinion, I was not dealing with a reputable merchant, on several occasions, I had, even had issues getting payments credited to my account that I had made through their telephone payment system. 

As stated, neither of these collection agencies has previously contacted me to verify the debt that they are trying to charge me for. 

I know that I dont owe what Im being charged, and I want this false derogatory information removed from my credit files, as well as from the collection agencies files, and I want hard copy proof on their letterhead that, that has been done. 

I want both, Sunrise Credit Services , Inc., as well as XXXX XXXX XXXX, XXXX, to cease and desist from ever contacting me again about these false charges. 

Sunrise Credit Services , Inc., and XXXX XXXX XXXX, XXXX, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.