Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunbit, Inc.
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX my loan installment From Sunbit Inc through XXXX XXXX was in delinquency I have never had one this is the first one as my account has never reached delinquency with Sunbit Inc and I requested a goodwill deletion or pay for delete and the lady on the phone was not very helpful she did not state why they could not do this. She just was very combative and said collections will not be doing anything and we report all information accurately she was not very helpful. 

I fully understand the importance of maintaining timely payments, and I take full responsibility for the missed payment. Unfortunately, due to unforeseen circumstances, such as personal hardship, temporary financial difficulty, or an oversight ), I was unable to meet the payment deadline. However, I have since made sure to catch up on my payments and have been committed to maintaining a consistent and timely payment history moving forward. 

I value my relationship with Sunbit and have always tried to make payments promptly, as reflected by the rest of my account history. I would greatly appreciate your consideration in removing this delinquency as a gesture of goodwill, especially since this was an isolated incident and I have worked diligently to prevent any further delays. 

I truly believe that removing this delinquency will not only help improve my credit report but will also support my ongoing efforts to maintain a strong financial standing. I would be grateful for your understanding and kindness in considering this request. 

Please let me know if you need any additional information or documentation. I appreciate your time and attention to this matter and look forward to your positive response. 

Thank you for your understanding and assistance.I hope this letter finds you well. I am writing to kindly request your consideration in removing a delinquency that was reported on my account for the period between XX/XX/year> and XX/XX/year>. 

I fully understand the importance of maintaining timely payments, and I take full responsibility for the missed payment. Unfortunately, due to unforeseen circumstances ( you can mention an explanation here, such as personal hardship, temporary financial difficulty, or an oversight ), I was unable to meet the payment deadline. However, I have since made sure to catch up on my payments and have been committed to maintaining a consistent and timely payment history moving forward. 

I value my relationship with Sunbit and have always tried to make payments promptly, as reflected by the rest of my account history. I would greatly appreciate your consideration in removing this delinquency as a gesture of goodwill, especially since this was an isolated incident and I have worked diligently to prevent any further delays. 

I truly believe that removing this delinquency will not only help improve my credit report but will also support my ongoing efforts to maintain a strong financial standing. I would be grateful for your understanding and kindness in considering this request. 

Please let me know if you need any additional information or documentation. I appreciate your time and attention to this matter and look forward to your positive response. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation