Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX XX/XX/XXXX SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX, NY XXXX, By our records, this correspondence serves as the final attempt to amicably settle an outstanding debt against your account, with the account number * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sum, as of today 's date, amounts to {$720.00}. We regret to inform you that despite our previous requests, this balance remains unpaid. Kindly note, that your failure to respond or partial commitment to repayment will leave us no alternative but to proceed with formal debt collection proceedings. We urge you to take this matter seriously to avoid potential detriment to your XXXX XXXX, which would inevitably affect your future financial endeavors. You have until XX/XX/XXXX to resolve this outstanding amount, after which we will initiate proceedings without further notice. If you are unable to pay the aforementioned amount in full, kindly communicate with us at XXXX or email at XXXX to discuss a feasible payment plan. We are eager to assist you in resolving this matter amicably. Your prompt attention to this outstanding payment is greatly appreciated. Yours Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section XXXX not be construed by any court as an admission of liability by the consumer. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation