Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunbit, Inc.
State: GA

Complaint narrative:
Complaint Against Sunbit XXXX XXXX and Warranty Issue I am submitting this complaint regarding a loan I obtained through Sunbit to pay for dental work performed at XXXX XXXX XXXX XXXX, Georgia. The loan included not only the cost of the dental procedure, but also a seven-year warranty that was sold to me by the dental office at the time of treatment. 

The warranty was structured to cover the cost of replacement dental work on a sliding scale, with a decreasing percentage of coverage each year. It specifically required that I keep up with regular dental checkups but did not specify that such checkups had to be completed at the original providers office. 

Timeline of Events : Shortly after taking out the loan, my dentist retired and the practice was no longer operating under the original name. Patients, including myself, were informed by email that our records would be transferred to a new company taking over the location. 

When I later needed to use my warranty, the new company refused to honor it, stating they had no connection to the prior agreementseven though they had taken over patient records and communications. 

I maintained regular dental checkups with a new dentist, as required by the warranty. Despite this, the new company claimed my warranty was void for not keeping up with checkups, which is not accurate. 

Because of the refusal to honor the warranty, I was forced to have the dental work redone entirely at my own expense, despite being under active coverage. At this point, the warranty should have covered 70 % of the cost. 

Dispute with Sunbit : I provided Sunbit with a copy of the written warranty and details of the refusal by the new company. Sunbit denied my request for a loan cancellation or partial refund. For three months, they provided no proof or substantive explanation for their denial. Their only justification was based on the new companys statementan entity with no contractual obligation to mewhile ignoring the written warranty I had purchased as part of the loan. 

Sunbit also admitted they were unable to contact the original dentist, which is unsurprising given her retirement. However, this does not absolve them of responsibility, as they financed a loan package that included the warranty. At no point did Sunbit attempt to resolve the issue with me in good faith. 

Why This Is Unfair : I am still making timely payments on this loan and have never missed a payment. This is not a financial hardship case, but a matter of consumer protection. 

A significant portion of the loan was for a warranty that has now proven worthless, through no fault of my own. 

Sunbit has failed to provide evidence or justification for its denial, leaving me paying for a product and service that was never delivered. 

Furthermore, during the dispute process, I learned that Sunbit and the new dental company communicated with each other regarding details of my dental appointments and my personal health records. This information was shared without my authorization and was unrelated to the financing of my loan. I believe this constitutes a violation of HIPAA privacy protections, as my medical records should not have been disclosed between these parties without my explicit consent.

Company response to consumer: Closed with explanation