What is the most common complaint against Sunrise Credit Services, Inc?

The most common issue consumers report about Sunrise Credit Services, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 5,396 complaints filed with the CFPB.

Are complaints against Sunrise Credit Services, Inc increasing or decreasing?

Complaints against Sunrise Credit Services, Inc are rising. The company received 2,125 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Sunrise Credit Services, Inc's reputation grade?

Sunrise Credit Services, Inc has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sunrise Credit Services, Inc respond to consumer complaints?

Sunrise Credit Services, Inc has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does Sunrise Credit Services, Inc operate?

Sunrise Credit Services, Inc has received CFPB complaints from consumers in 53 states, with the most complaints from Texas (737 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Sunrise Credit Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

2,669
Written notification about debt

897
Took or threatened to take negative or legal action

632
False statements or representation

559
Communication tactics

351
Cont'd attempts collect debt not owed

112

Data updated September 2026

CFPB complaint disposition

CCDB record sunrise-credit-services-inc Sunrise Credit Services, Inc

Grade D · 5,396 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #30 · compose #3227

VOL 5,396
GRADE D
12MO 2,125
STATES 53
TIMELY 100%
DISPUTE 10%
ISSUE Attempts to collect debt n…
RANK #30
COMPOSE #3,227

Volume peers

Nearest volume peer: Discover Bank (5,382 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Sunrise Credit Services, Inc's 5,396 CFPB complaints sit next to Discover Bank on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Sunrise Credit Services, Inc spreads filings across 53 states - Texas leads at only 13.7%

Despite a broad state map, Sunrise Credit Services, Inc still sits volume #30 against composite #3,227 - the two RankMaps diverge by 3,197 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.7% across 53 states
Seasonal peak: 2026-02 9.4%; 8–15% band · 5 filings
Divergent corpus ranks: #30 volume; #3,227 composite; Cleanest-composite ladder is 3,197 places worse than volume

How does Sunrise Credit Services, Inc compare to its peers?

How does SUNRISE CREDIT SERVICES, INC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

SUNRISE CREDIT SERVICE… National average

Complaints (last 12 mo)lower is better

2,125

775

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

10%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-11 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,669
Written notification about debt	897
Took or threatened to take negative or legal action	632
False statements or representation	559
Communication tactics	351
Cont'd attempts collect debt not owed	112
Electronic communications	85
Disclosure verification of debt	37
Threatened to contact someone or share information improperly	34
Improper contact or sharing of info	14

Where do complaints against Sunrise Credit Services, Inc come from?

Sunrise Credit Services, Inc's own per-state count, not a national baseline.

Texas

737
Florida

539
California

452
Georgia

362
New York

360
Pennsylvania

251
North Carolina

235
Illinois

217

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sunrise Credit Services, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 5,396.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.93569131832798%.

4 peers

Know your rights before responding to Sunrise Credit Services, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.