Consumer complaint received 2026-05-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Sky Blue Financial Services, Inc.
State: NC

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Sky Blue Financial Services , IncXXXX ) Corporate Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX. Background of Engagement On or about XX/XX/year>, I retained the services of XXXX XXXX XXXX for credit restoration purposes. I paid a recurring monthly fee under the explicit understanding that the company would address negative, inaccurate, or outdated items on my credit report in compliance with the XXXX XXXX Organizations XXXX ( XXXX ). At no point did I grant this company authorization to challenge, dispute, or alter active, positive accounts that were in good standing. XXXX. Gross Negligence and Extreme Financial Harm In XX/XX/year>, without my explicit line-by-line review, knowledge, or consent, XXXX XXXX Credit unilaterally initiated a reckless " verification challenge '' or dispute against my XXXX credit card account. This specific account represents an invaluable XXXX positive relationship with a low balance ( {$180.00} on a {$1000.00} limit ) and an exceptional payment history ( only XXXX late payments in nearly a decade ). Because XXXX XXXX XXXX submitted an unauthorized, automated challenge to a perfectly healthy, active account, XXXX internal automated system flagged the account for potential fraud and immediately closed my XXXX line of credit. This negligent action caused immediate, severe, and tangible harm to my credit score, credit age, and banking relationships. XXXX. Unlawful Concealment of Correspondence Upon discovering that my XXXX account had been closed due to their unauthorized dispute, I contacted XXXX XXXX XXXX customer service on XX/XX/year>. I requested a complete copy of the specific dispute or verification letter they sent to XXXX in my name so that I could present it to the bank to clear up the confusion. The representative flatly refused to provide me with a copy of the letter. As the paying consumer and the principal party whose name was signed to that correspondence, I have a legal right to inspect any document transmitted to financial institutions on my behalf. XXXX XXXX XXXX refusal to disclose this correspondence demonstrates a deliberate attempt to conceal their exact wording, misleading tactics, and operational failures from their own client. XXXX. Retaliatory Contract Cancellation During the same phone call on XX/XX/year>, when I informed the representative that their refusal to provide my own documentation left me with no choice but to report this lack of transparency to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), the company immediately escalated their misconduct. The representative explicitly stated, " Because you have threatened us, we are canceling your account right now, '' and immediately severed my contract and access to their services. This is a blatant, bad-faith retaliatory contract cancellation designed solely to insulate the company from regulatory accountability, limit their liability, and deny me access to historical account logs or evidence within their consumer portal. XXXX. Demand for Relief and Remediation XXXX XXXX XXXX has engaged in unfair, deceptive, and abusive practices ( XXXX ) by acting outside the scope of consumer authorization, harming my active financial trade lines, hiding client-owned correspondence, and retaliating when held accountable. I am demanding the following : A full, 100 % refund of all monthly fees paid to XXXX XXXX XXXX due to a fundamental breach of contract and gross negligence. Immediate delivery of all historical letters, disputes, and correspondence transmitted by XXXX XXXX XXXX under my name or social security number to any creditor or credit bureau. That this regulatory complaint be permanently filed against their corporate record for evaluation under XXXX and FTC consumer protection guidelines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation