MoneySpot USA LLC DBA Sunshine Loans
58 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About MoneySpot USA LLC DBA Sunshine Loans
MoneySpot USA LLC DBA Sunshine Loans's 58 logged complaints stay concentrated: only 9 states show a filing on record. 46.6% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does MoneySpot USA LLC DBA Sunshine Loans have?
58, per the CFPB's public complaint count for this company (see the full breakdown above).
Does MoneySpot USA LLC DBA Sunshine Loans respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about MoneySpot USA LLC DBA Sunshine Loans?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.