Credit reporting
Sunbit: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 44
- Closed with money back
- 0
- 2023 to 2025
- 10 to 22
Sunbit received 586 complaints from everyone in the window; 44 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 44 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 10 in 2023 to 22 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 20 |
| Credit card | 10 |
| Debt collection | 8 |
| Credit card or prepaid card | 2 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
By issue
| Incorrect information on your report | 16 |
| Improper use of your report | 4 |
| Other features, terms, or problems | 4 |
| Communication tactics | 3 |
| Problem with a company's investigation into an existing problem | 3 |
| 2023: 10 | 2024: 12 | 2025: 22 |
Which accounts, specifically
| Credit reporting | 21 |
| General-purpose credit card or charge card | 13 |
| Other debt | 5 |
| Installment loan | 3 |
| Credit card debt | 1 |
What went wrong, specifically
| Account information incorrect | 7 |
| Information belongs to someone else | 5 |
| Other problem | 4 |
| Reporting company used your report improperly | 4 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 4 |
Busiest month: December 2025, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from TX (8), GA (7), NC (6) , then MN, CA, MT.
How Sunbit answered
| Closed with explanation | 44 |
Sunbit responded within the CFPB's 15-day window on 98% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-03-30. Outcome: Closed with explanation. Complaint 8662261
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Credit reporting or other personal consumer reports; Incorrect information on your report. CA, 2024-03-30. Outcome: Closed with explanation. Complaint 8659822
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Credit card; Incorrect information on your report. NC, 2024-03-07. Outcome: Closed with explanation. Complaint 8499488
If this is your problem at Sunbit
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Central Research 45 servicemember complaints; 0 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
- Rfna 41 servicemember complaints; 0 with money back
- TomoCredit 41 servicemember complaints; 1 with money back
- Larry H. Miller Group of Companies 48 servicemember complaints; 0 with money back
Next in the directory by volume: Broker Solutions, Sop Pioneer Partners.
Frequently asked questions
How many complaints did servicemembers file against Sunbit?
44 complaints tagged servicemember were received by the CFPB about Sunbit, Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 10 in 2023 to 22 in 2025.
What do servicemembers complain about most at Sunbit?
Credit reporting or other personal consumer reports accounts for 20 of the 44 complaints, and the most common issue is "Incorrect information on your report" (16). Next: "Improper use of your report" (4).
Does Sunbit give money back when a servicemember complains?
0 of the 44 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 44 closed with an explanation only. Sunbit answered 98% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.