Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Although never once properly notified, despite updating my residential and email addresses with XXXX XXXX XXXX a half dozen times, maybe more, they have put a portion of debt ( that I was not notified about ) into collections now TWO TIMES. I have not only called XXXX XXXX XXXX ( who were absolutely no help whatsoever and told me I had to deal with the collection agencies directly ) but I have also gone into their retail stores where I spent over an hour with dismayed employees, shift leads and store managers, all of whom could not figure out what the problem is with my former account. They could only confirm that I owed absolutely nothing as all records correctly indicated. 

Initially, again without being properly notified because XXXX XXXX XXXX failed to update my addresses despite how many times I went out of my way to contact them, they put a cell phone into collections. Had I known I would have taken care of this as I had outstanding credit prior to my fathers abuse and financial exploitation. All notifications go to my fathers email ( I have no idea how they have his email ) and his address. He was arrested for domestic violence against me and we have a no contact order. Yet XXXX XXXX XXXX and every collection agency ( I owe NOTHING ) seem to think its acceptable to send notices to his email and home address, or so they claim. When I saw the cell phone in my credit report, already in collections, denying me the opportunity to respond properly, I immediately called the FIRST collection agency, XXXX XXXX and Associates. This agency said if I paid at that time they would give me 25 % off, I agreed and made the payment of {$620.00} during that initial phone call. The original amount owed was {$830.00}. I requested and received a letter from XXXX XXXX stating I have a XXXX balance with XXXX XXXX XXXX and their collection agency. The letter I received from XXXX XXXX is dated XX/XX/XXXX!!!! Ironic how a year later ( for the SECOND TIME ) the 25 % off is again in collections ( and again without me being notified ), also XXXX XXXX clearly used the incorrect mailing address from XXXX XXXX XXXX  that I spent countless hours on the phone updating. 

In XXXX of XXXX I was alerted by a credit monitoring company that I suddenly had a new derogatory account. True XXXX XXXX ( again without notifying me in anyway whatsoever ) claimed I owed {$200.00} on behalf of XXXX XXXX XXXX ; {$200.00} is the 25 % off I was offered by XXXX XXXX. XXXX XXXX XXXX told me to call XXXX XXXX who said I was XXXX of many customers afflicted with this problem from XXXX XXXX XXXX. Mind you, I didnt even ask to negotiate with XXXX XXXX XXXX I was instantly offered 25 % off, I didnt ask for more, I simply accepted the offer, paid, and should NOT be dealing with this on a regular, ongoing basis. Several phone calls and weeks later, despite providing XXXX XXXX with the proper documentation immediately they removed this absurdity from my credit report. 

Oddly, almost exactly a year later, the end of XX/XX/XXXX, to my astonishment the same credit monitoring company notified me that I have a derogatory account. Obviously I received not XXXX notification prior from this collection agency ; they chose to email and mail my abusive father. As soon as I saw it was for {$200.00} XXXX knew exactly who the culprit was ; XXXX XXXX XXXX. As if XXXX XXXX XXXX hasnt put me through enough from the short time I was a customer ( which they did so illegally by allowing someone who did not own my home or live there set up services, then charged me for WiFi after I cancelled it and made me jump through hoops to get refunded by a gift card ; that took at least XXXX months to obtain, and I was forced to call them on a weekly basis, meanwhile their data breach has resulted in hacked emails, phones, and the misuse of my social security number ). How much more do I need to be punished for being an XXXX XXXX XXXX customer for less than a year and will my credit endlessly be affected for something I paid? When does this stop? How many more collection agencies will this {$200.00} go to? How much more of my time do I get to waste on something so despicable? Now a collection agency called Sunrise Credit Services claims I owe this {$200.00} and refuses to even tell me that it will be removed from my credit report!!!! THIS IS BEYOND UNACCEPTABLE. Why wouldnt this be removed from my credit report? I do NOT owe this. This need to stop once and for all and be removed IMMEDIATELY from my credit report! I emailed Sunrise Credit the year old letter from XXXX XXXX today XX/XX/XXXX. I feel it is unjust in this situation to make someone wait for this collection agency to remove it from my account, if they choose todont they have to? I am appalled.

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