Why Is Sunrise Credit Services Calling Me
Sunrise Credit Services is a third-party debt collector calling on behalf of major creditors including AT&T, Spectrum, Bank of America, US Bank, and Comcast. If their number appeared on your caller ID and you did not recognize it, that is by design – they call from a rotating pool of numbers across area codes, which is part of why so many people search the number before picking up.
Quick Takeaway: Sunrise Credit Services is a legitimate New York-based agency founded in 1974, not a scam. They collect for major telecoms, banks, and utilities. Over 1,000 CFPB complaints in three years document a pattern of aggressive contact, collecting on already-paid debts, and contacting consumers represented by attorneys. Their centralized single-location model means every contact follows the same procedures – which makes their violation patterns easier to document and prove.
If they are contacting you about a debt you do not recognize or already paid, call +1 844-638-1122 before paying anything.
What Is Sunrise Credit Services
Sunrise Credit Services, Inc. is a debt collection agency headquartered at 260 Airport Plaza Blvd., Farmingdale, NY 11735, founded in 1974. All operations run from a single 45,000-square-foot New York facility – no branch offices.
They primarily collect on behalf of original creditors rather than purchasing debt portfolios outright.
Contact information:
- Main phone: (800) 208-8565
- Email: [email protected]
- Known calling numbers: (833) 439-3064, (855) 617-8776, (833) 570-0187, (866) 228-5970, (844) 652-7235, (833) 570-0032, (855) 329-3267, (847) 474-3959, (844) 832-5951
Who Does Sunrise Credit Services Collect For
Sunrise’s documented client list spans telecoms, banks, and utilities:
- AT&T – wireless, landline, and internet accounts
- Spectrum (Charter Communications) – cable, internet, and phone; the most frequently named creditor in Sunrise-related complaints
- Comcast / Xfinity – cable and internet services
- Bank of America – credit cards, personal loans, and checking overdrafts
- US Bank – credit cards, auto loans, and personal credit lines
- Healthcare providers – hospital and medical accounts
- Utility companies – electric, gas, and water across multiple states
If you do not recognize the debt, check whether a family member opened a telecom or cable account at your address. Pull your credit reports at AnnualCreditReport.com to see what appears under your name.
Sunrise Credit Services Phone Numbers and Text Messages
Sunrise calls from a rotating pool of numbers. Their main line is (800) 208-8565. Other frequently reported numbers include (833) 439-3064, (855) 617-8776, (833) 570-0187, (866) 228-5970, and (844) 652-7235.
They also send text messages. If you receive a message reading “a notice from Sunrise, a debt collector” or “a message from Sunrise, a debt collector,” that is their standard automated text format.
Do not click links in Sunrise emails or texts before verifying the debt independently – clicking confirms your contact information is active.
Sunrise Credit Services Lawsuits
Four documented federal cases between 2017 and 2018 reveal specific patterns in Sunrise’s collection practices:
- Alenkin v. Sunrise Credit Services, Inc. (2018): A consumer attempted to dispute a debt by phone. Sunrise told them an oral dispute would be “futile” – a misrepresentation of FDCPA rights. Consumers can dispute verbally, and telling them otherwise may itself be a violation.
- Rosenthal v. Sunrise Credit Services, Inc. (2017): Proposed class action alleging Sunrise sent collection notices with language that overshadowed the consumer’s 30-day right to dispute the debt.
- Gancio v. Sunrise Credit Services, Inc. (2017): Alleged deceptive language about IRS reporting requirements for canceled debt, failing to disclose exceptions to the rule. Consumers who settled with Sunrise may have received inaccurate information about their tax exposure.
- Aguilar v. Sunrise Credit Services, Inc. (2017): A California consumer alleged Sunrise listed unauthorized “Other Charges” on a collection letter – fees not authorized by the original agreement or applicable law, violating the FDCPA and California state law.
What Is Sunrise Credit Services on My Credit Report
If Sunrise appears on your Equifax, Experian, or TransUnion report, it has reported a collection account connected to one of their clients. That tradeline can remain for seven years from the original delinquency date – not from when Sunrise reported it.
Sunrise cannot remove the tradeline itself. Only the original creditors – AT&T, Bank of America, and Spectrum – can request deletion. Settling with Sunrise updates the account to “paid collection” but does not remove it. Negotiate deletion directly with the original creditor as a condition of any payment.
There is no public pay-for-delete policy at Sunrise, but it is negotiable. Any agreement must come in writing from the original creditor – not just Sunrise – before you pay anything.
Dispute inaccurate entries under the Fair Credit Reporting Act at AnnualCreditReport.com.
How to Stop Sunrise Credit Services
- Request debt validation in writing within 30 days of first contact. Send a certified letter to 260 Airport Plaza Blvd., Farmingdale, NY 11735. Sunrise must pause collection until they respond adequately.
- Send a cease-and-desist via certified mail if calls continue. After receipt, any contact outside confirming cessation or notifying you of legal action may be a separate FDCPA violation.
- If you have an attorney, notify Sunrise in writing immediately. Continued direct contact after that notification may violate the FDCPA – one of the documented complaint patterns against them.
- Document everything – date, time, number used, and what was said. Their single-location model means all contact follows standardized procedures, which makes violation patterns easier to establish and prove.
Contact The Wood Firm PLLC at +1 844-638-1122 if harassment continues.
How The Wood Firm PLLC Stops Sunrise Credit Services
Sunrise’s single-facility structure means every call, letter, and violation originates from one location following standardized procedures. Their patterns – collecting on paid debts, misrepresenting dispute rights, adding unauthorized fees – reflect company-wide practice, not isolated incidents.
We review every communication they sent, send a legal notice immediately, and pursue compensation for documented FDCPA, FCRA, and TCPA violations. Calls typically stop within 48 hours. You pay nothing unless we win – if we prevail, Sunrise pays the attorney fees.
Call +1 844-638-1122 for a free consultation.
About Attorney Jeff Wood
Jeff Wood is an attorney based in Arkansas with over 15 years of experience in consumer protection, focusing on FDCPA, FCRA, and TCPA violations. The Wood Firm PLLC maintains Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
Frequently Asked Questions About Sunrise Credit Services
Why is Sunrise Credit Services calling me?
They are contacting you about a debt connected to one of their clients – most commonly AT&T, Spectrum, or Bank of America. If you do not recognize the debt, check whether a family member used your information for a telecom account and pull your credit reports.
What numbers does Sunrise Credit Services call from?
Their main number is (800) 208-8565. Known rotational numbers include (833) 439-3064, (855) 617-8776, (833) 570-0187, (866) 228-5970, and (844) 652-7235. They also send text messages and emails.
Is Sunrise Credit Services legitimate or a scam?
Legitimate – founded in 1974, headquartered in Farmingdale, NY. Not a scam, but over 1,000 CFPB complaints and four federal lawsuits document specific patterns of problematic collection conduct.
Who does Sunrise Credit Services collect for?
AT&T, Spectrum, Comcast, Bank of America, US Bank, healthcare providers, and utility companies – primarily acting on behalf of the original creditor rather than as a debt buyer.
What is Sunrise Credit Services on my credit report?
A collection account reported on behalf of one of their clients. It can remain seven years from original delinquency. Only the original creditor can request deletion – Sunrise cannot remove the tradeline even if you pay them.
Does Sunrise Credit Services do pay for delete?
No public policy, but it is negotiable. Any agreement must come in writing from the original creditor before you pay anything.
Can I sue Sunrise Credit Services for harassment?
Yes. Documented violations can result in up to $1,000 in statutory damages plus actual damages and attorney fees. Call +1 844-638-1122 to evaluate your case.
How do I stop Sunrise Credit Services from calling?
Send a written cease-and-desist via certified mail to 260 Airport Plaza Blvd., Farmingdale, NY 11735. After receipt, any contact outside of confirming cessation or notifying you of legal action may be a separate violation.
