Total CFPB complaints
4,665
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4,665 complaints
SUNRISE CREDIT SERVICES, INC — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SUNRISE CREDIT SERVICES, INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
2,234 complaints
- Written notification about debt 741
Written notification about debt
741 complaints
- False statements or representation 481
False statements or representation
481 complaints
- Took or threatened to take negative or legal action 474
Took or threatened to take negative or legal action
474 complaints
- Communication tactics 272
Communication tactics
272 complaints
- Cont'd attempts collect debt not owed 65
Cont'd attempts collect debt not owed
65 complaints
D
Grade D · 57.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about SUNRISE CREDIT SERVICES, INC?
SUNRISE CREDIT SERVICES, INC has accumulated 4,665 total CFPB complaints across 53 states, with 1,723 filed in the most recent 12 months against 2,942 historical complaints before that window. The trailing-12-month volume represents 36.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 10% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 53 states, led by Texas with 591 and Florida with 456, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.8/100 places SUNRISE CREDIT SERVICES, INC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,723
36.9% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
57.8/100 composite
Response-quality profile
How SUNRISE CREDIT SERVICES, INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does SUNRISE CREDIT SERVICES, INC compare to its peers?
SUNRISE CREDIT SERVICE… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed2,234 (%)
False statements or representation481 (%)
Took or threatened to take negative or legal action474 (%)
Written notification about debt741 (%)
Communication tactics272 (%)
Cont'd attempts collect debt not owed65 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,257 |
| Attempts to collect debt not owed | Debt was result of identity theft | 699 |
| False statements or representation | Attempted to collect wrong amount | 481 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 474 |
| Written notification about debt | Didn't receive enough information to verify debt | 453 |
| Written notification about debt | Didn't receive notice of right to dispute | 288 |
| Attempts to collect debt not owed | Debt was paid | 278 |
| Communication tactics | Frequent or repeated calls | 177 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 95 |
| Cont'd attempts collect debt not owed | Debt is not mine | 65 |
Where do complaints against SUNRISE CREDIT SERVICES, INC come from?
The states where consumers have filed the most CFPB complaints against SUNRISE CREDIT SERVICES, INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SUNRISE CREDIT SERVICES, INC
Across 53 states with at least one filing
- Texas
Texas
591 complaints
- Florida
Florida
456 complaints
- California
California
411 complaints
- New York
New York
335 complaints
- Georgia
Georgia
311 complaints
- Pennsylvania 225
Pennsylvania
225 complaints
- North Carolina 201
North Carolina
201 complaints
- Illinois 172
Illinois
172 complaints
Frequently Asked Questions
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 4,665 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 1,723 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: 57.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (591 complaints).
What can I do if SUNRISE CREDIT SERVICES, INC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If SUNRISE CREDIT SERVICES, INC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |