Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: CA

Complaint narrative:
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. Specifically : Inconsistent and incorrect account status dates On XX/XX/year>, I received an email from Sunbit earlier that morning stating my account was XXXX days past due. Despite this, Sunbit subsequently treated and/or reported my account as XXXX days past due, which directly contradicts their own sameday communication. I have screenshots of this email clearly showing the XXXXday pastdue designation. This premature classification materially misrepresents my delinquency status. Online portal does not reflect contractual due dates Sunbits online customer portal displays payment due dates that do not match the due dates stated in my loan contract. I have screenshots of the portal alongside copies of the contract showing that the portals information does not align with the agreedupon contractual terms. This discrepancy makes it impossible for a reasonable consumer to rely on Sunbits system to accurately determine payment obligations. Inaccurate credit reporting Because Sunbit characterized my account as 30 days delinquent before it had actually reached that status, inaccurate information was reported or prepared for reporting to consumer reporting agencies. Reporting a XXXXday delinquency when the account was still only XXXX days past due is demonstrably inaccurate based on Sunbits own communications and records. Failure to maintain reasonable procedures to ensure accuracy The conflicting email communications, inaccurate portal information, and premature delinquency designation demonstrate a failure to maintain reasonable procedures designed to ensure the accuracy of information furnished to consumer reporting agencies. These failures are documented through screenshots of emails, the online portal, and the underlying contract. Failure to provide meaningful customer support or escalation I attempted to contact Sunbits customer care department to resolve these discrepancies and prevent inaccurate reporting. During my attempt to resolve the issue, I was informed that no supervisors were available, and I was not provided with a reasonable alternative escalation path. This failure to provide access to supervisory review prevented timely dispute resolution and allowed inaccurate account information to persist. Denying consumers the ability to escalate known inaccuracies contributes to unfair and deceptive practices and increases the likelihood of harm. Applicable Legal Violations Sunbits actions appear to violate the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) A furnisher may not report information it knows or has reasonable cause to believe is inaccurate. 15 U.S.C. 1681s2 ( a ) ( 2 ) A furnisher must correct and update information that is inaccurate or incomplete. 15 U.S.C. 1681 ( b ) Consumer reporting information must meet the standard of maximum possible accuracy. Reporting a XXXXday delinquency when the account had not yet reached that threshold violates this accuracy requirement. Consumer Financial Protection Act ( UDAAP ) 12 U.S.C. 5531 and 5536 Prohibit unfair, deceptive, or abusive acts or practices. Providing misleading due dates, conflicting delinquency information, unreliable account portals, and denying reasonable escalation for dispute resolution constitutes deceptive and unfair conduct likely to mislead a reasonable consumer and cause harm

Company response to consumer: Closed with explanation