Sunrise Credit Services or SCS is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Sunrise Credit Services?
Sunrise Credit Services, Inc. is a third-party collection agency based in Farmingdale, NY. Sunrise has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as failing to provide verification of debts and attempting to collect debts not owed. If you have been contacted by Sunrise, make sure you understand your rights before taking action.
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Is Sunrise Credit Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Sunrise Credit Services, Inc. is a legitimate collection agency founded and incorporated in 1975. The BBB established Sunrise’s profile in 2000. Sunrise is listed under collection agencies, business processing optimization, and general business services. Buzzfile estimates Sunrise’s annual revenue at $34.5 million.
According to its website, Sunrise offers “customized programs for managing all of your receivables needs and collections as an extension of your own operations or on a standalone basis.” Since its founding in 1975, Sunrise has grown to become one of the largest Accounts Receivable Management (ARM) companies in the United States. Sunrise employs over 500 people at its 40,000 square-foot headquarters facility.
Who does Sunrise Credit Services collect for?
Sunrise Credit Services provides third-party collection services for retailers, banks, and other credit grantors nationwide. SCS is also one of a family of three companies. NetTel USA, Inc., provides Business Process Outsourcing (BPO) services such as call center services and extended business office outsourcing for a variety of industries. Sunrise Capital Management, Inc., is a debt buyer that allows lenders from all industries to generate operating capital by selling off delinquent debt.
Sunrise employees are trained at the Sunrise Family of Companies University (SFCU), which is an internal, proprietary “training program modeled after a university curriculum by collection professionals with over 35 years of industry experience.” After 175 hours of coursework, “collection professionals are awarded a Certified Degree from SFCU.” However, Sunrise’s website does not contain any references or links to external consumer resources or state or federal laws such as the Fair Debt Collections Practices Act (FDCPA).
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Sunrise Credit Services?
The BBB has closed 109 complaints against Sunrise Credit Services in the past three years, with 55 of those complaints closed in the past twelve months. Almost all of these complaints alleged problems with billing and collections. There are also ten negative and two positive customer reviews. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 90 complaints against Sunrise alleging violations including attempting to collect debts not owed; making false statements; and improper disclosure of information. Justia lists at least 7 cases of civil litigation naming SCS as a defendant.
Sunrise Credit Services, Inc. 260 Airport Plaza Blvd. Farmingdale, NY 11735-3946 Telephone: (800) 208-8565
Can Sunrise Credit Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2018, a proposed class action filed by a New York consumer against Sunrise Credit Services which claimed claims one of the debt collector’s employees unlawfully discouraged him from disputing his supposed debt.
The case said that the plaintiff, after receiving a collection notice from Sunrise in March 2018, called the company in May to inquire about and dispute his reported obligation. According to the lawsuit, the plaintiff stated he wanted to dispute the debt, yet was told over the phone by a Sunrise representative that he “could not dispute the debt because he owes the debt.” The representative then allegedly told the plaintiff it would be “futile” to dispute the debt.
The case says the plaintiff eventually got in touch with a manager for the defendant, who allegedly claimed Sunrise could only offer a settlement, and that the man could not dispute his supposed debt. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are legally required to accept oral debt disputes by phone, the lawsuit argues.
For the most part, the details of consumer complaints against Sunrise Credit Services on the BBB website are unavailable. However, the CFPB website provides narratives of the consumer complaints it receives. In June 2017, the CFPB reports that a complainant indicated SCS began contacting him about a delinquent debt. The complainant indicated to Sunrise that the bill had been disputed with the New York State Attorney General and CFPB. The complainant indicated a Sunrise representative responded by stating “it was not their problem and to pay up.” The complainant indicated SCS continued to call several times a day despite a cease and desist request, and that calls had been increasingly aggressive and threatening, bordering on harassment. Also in June 2017, a complainant indicated Sunrise representatives had been “calling repeatedly from different phone numbers within minutes of each other.” Representatives called throughout the day asking for verification of personal information. The complainant indicated to Sunrise representatives when his pay day occurred, when he would be submitting payment, and requested that calls cease and desist until then, but the calls continued. The complainant also alleged that Sunrise representatives refused to send written correspondence. In May 2017, a complainant indicated Sunrise representatives had been “calling my home for a month a dozen times a day.” The complainant indicated that he had informed Sunrise that it was not his debt. Sunrise said his name and number would be removed from the calling list, but he soon began receiving calls again. Also in May 2017, a complainant indicated that Sunrise representatives had “been calling at least 4 times a day.” The complainant “asked them repeatedly to stop calling…at work,” but the calls persisted because Sunrise representatives complained that the consumer didn’t answer the phone after work. In all these cases, the CFPB has indicated that the “the company has responded to the consumer and the CFPB and chooses not to provide a public response.”
Sunrise Credit Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Sunrise Credit Services for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Consumers have reported this agency harassing them from the following numbers:
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
Can You Help Me Delete Sunrise Credit Services from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.