Debt or credit management -- Confusing or missing disclosures -- Complaint #18030199
Complaint Overview
Complaint ID: 18030199
Company: Sunbit, INC.
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Confusing or missing disclosures
State: Florida
ZIP Code: 33032
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting that all interest and finance charges be removed from this loan and that the balance be adjusted to the original dental charge only. I was rushed into signing at the dental office and was told the financing was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} charge. I believe this loan involves violations of the Truth in Lending Act ( TILA ) and Unfair or Deceptive Acts or Practices ( UDAP ). I was rushed into signing the financing at the dental office and was told it was no interest with easy payments. I was not clearly informed of the APR, finance charges, or that the total repayment would exceed {$9000.00} on a {$5600.00} dental charge. A fair resolution would be removal of all interest and finance charges, re-amortization of the loan to the original principal only, or conversion to a true no-interest payment plan. I am also requesting correction of any inaccurate credit reporting and confirmation that no negative reporting will occur during the dispute.
Frequently Asked Questions
What is Complaint #18030199 about?
Complaint #18030199 was filed against Sunbit, INC. regarding Debt or credit management specifically about Confusing or missing disclosures. It was received by the CFPB on 2025-12-14T12:00:00-05:00.
How did Sunbit, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt or credit management) and describe your issue in detail.
Can I see other complaints against Sunbit, INC.?
Yes, visit the Sunbit, INC. company profile at readthecomplaint.com/company/sunbit-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.