CFPB · Narrative-heavy record
MoneySpot USA LLC DBA Sunshine Loans
58 CFPB complaints · 46.6% with narratives · top issue Charged fees or interest you didn't expect.
MoneySpot USA LLC DBA Sunshine Loans: 46.6% of 58 filings include consumer narratives. Timely 100% · relief 22.4% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +1600% filings 2020 to 2026
CFPB relief outcome brief
CCDB company moneyspot-usa-llc-dba-sunshine-loans
22.4% relief · 100% timely · 58 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Tilt Finance, Inc. (24.5% relief)
MoneySpot USA LLC DBA Sunshine Loans closes 22.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
MoneySpot USA LLC DBA Sunshine Loans scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (56/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
22.4% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
56 / 100 percentile-benchmarked
75.9% of complaints closed with an explanation to the consumer
Most of MoneySpot USA LLC DBA Sunshine Loans's 58 filings include narrative text
46.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
MoneySpot USA LLC DBA Sunshine Loans complaint mix by product
- Payday loan, 36 62.1% – 19% relief
- Debt collection 12 20.7% – 25% relief
- Credit reporting 6 10.3% – 0% relief
- Payday loan, 4 6.9% – 75% relief
How MoneySpot USA LLC DBA Sunshine Loans's 58 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 36 |
| Debt collection | 12 |
| Credit reporting or other personal consumer reports | 6 |
| Payday loan, title loan, or personal loan | 4 |
Concentrated filing states for MoneySpot USA LLC DBA Sunshine Loans
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 65.5% of this company's filings
MoneySpot USA LLC DBA Sunshine Loans rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 17
- +1600% vs 2020
Top States
| State | Complaints |
|---|---|
| TX | 38 |
| CA | 11 |
| WI | 2 |
| MO | 2 |
| UT | 1 |
| MS | 1 |
| DE | 1 |
| GA | 1 |
| AR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 10 |
| Problem with the payoff process at the end of the loan | 5 |
| Incorrect information on your report | 5 |
| Struggling to pay your loan | 5 |
| Can't contact lender or servicer | 4 |
| Received a loan you didn't apply for | 4 |
| Attempts to collect debt not owed | 3 |
| Loan payment wasn't credited to your account | 3 |
| False statements or representation | 3 |
| Took or threatened to take negative or legal action | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Getting the loan | 2 |
| Can't stop withdrawals from your bank account | 2 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 2 |
| Was approved for a loan, but didn't receive the money | 1 |
| Written notification about debt | 1 |
| Problems receiving the advance | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 1 | 100% |
| 2022 | 3 | 100% |
| 2023 | 3 | 100% |
| 2024 | 6 | 100% |
| 2025 | 28 | 100% |
| 2026 | 17 | 100% |
Source: CFPB Consumer Complaint Database
MoneySpot USA LLC DBA Sunshine Loans's narrative-rich complaint ledger
MoneySpot USA LLC DBA Sunshine Loans's 58 logged complaints stay concentrated: only 9 states show a filing. 46.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-06-26.
MoneySpot USA LLC DBA Sunshine Loans answers 100% of complaints inside the CFPB's tracked window and closes 75.9% with a written explanation. 22.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about MoneySpot USA LLC DBA Sunshine Loans.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for MoneySpot USA LLC DBA Sunshine Loans: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 58.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for MoneySpot USA LLC DBA Sunshine Loans (100% timely; 22.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record