Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sunbit, Inc.
State: NY

Complaint narrative:
textI am filing this complaint against Sunbit because their customer service department is actively blocking my federal rights to file a dispute under the Fair Credit Billing Act. I am submitting the formal billing dispute notice below, which I have also emailed to their support team : To Sunbit Corporate Compliance & Dispute Department : I am submitting a formal billing dispute under the Fair Credit Billing Act for 17 separate XXXX XXXX transactions charged to my Sunbit Credit Card, totaling {$420.00}. Important Account History & Customer Service Violations : I previously attempted to dispute these transactions over the phone. The first representative I spoke with explicitly told me I had to wait a specific number of days before a dispute could be opened. I followed his instructions, waited the required time, and got delayed by personal obligations before calling back. Today, XX/XX/year>, I called back to open the case and encountered astronomically unacceptable customer service. The representative was incredibly rude, hostile, and combative from the very beginning of the call. He acted as if he were the merchant rather than a representative for the bank, telling me : " You got what you paid for, it doesn't matter if they ship it together or not. '' He showed zero willingness to go through the transaction process with me, actively tried to rush me off the phone as quickly as possible, and falsely claimed there were no grounds to file a chargeback. Because your phone representatives are actively misdirecting me and blocking my federal rights to file a dispute, I am forcing this investigation by submitting this detailed formal notice in writing. Exhausted Attempts to Resolve with Merchant & Platform : Prior to contacting Sunbit, I made numerous attempts to resolve this directly with the individual merchant and XXXX XXXX support, all of which failed : 1. TikTok Shop Support Failure : I have repeatedly contacted XXXX XXXX platform support. Each time, representatives promised a resolution within 24 to 48 hours, continually pushing me off. To date, the official support ticket created for this issue remains completely unassigned, unaddressed, and ignored. 2. Merchant 's Written Admission of Deception : I contacted the merchant directly multiple times. They finally responded via email, explicitly admitting that each item was supposed to be shipped separately. However, they claimed they consolidated the shipments into single boxes " as a convenience so I would not have to sign for multiple boxes. '' This is a blatant attempt to cover up a bait-and-switch scheme, as none of these packages were sent via a USPS service that requires a signature. The merchant has openly confirmed they did not provide the separate shipping services I was forced to pay for. The Deceptive Merchant Practice & Tracking Evidence : The merchant engaged in a bait-and-switch shipping scheme, charging individual shipping fees for separate items but combining all 17 items into just three packages and pocketing the excess money. Because the merchant masked the fee breakdowns on the final invoices, I am exercising my rights under the Fair Credit Billing Act to dispute the full amounts for goods and services not delivered as agreed. The official carrier tracking data proves this consolidation. The transactions are grouped below by the exact full tracking numbers they were combined into : XXXX XXXX : Tracking Number XXXXXXXX XXXX Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$22.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$25.00} * Transaction 4 : XX/XX/year> @ XXXX XXXX EST {$29.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$25.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$24.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$24.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$22.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$22.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$23.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$22.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$25.00} BOX XXXX : Tracking Number XXXX * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$28.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$28.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$25.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$29.00} BOX XXXX : Tracking Number XXXX * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$18.00} * Transaction XXXX : XX/XX/year> @ XXXX XXXX EST {$19.00} Total Disputed Amount : {$420.00} Please immediately initiate a formal dispute investigation for each of these items, apply provisional credits to my account balance, and reply with my official case tracking numbers.

Company response to consumer: Closed with explanation