CFPB Consumer Complaint Profile
MoneySpot USA LLC DBA Sunshine Loans
41 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 41
- Total complaints
- Mid-range
- 26
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
41 CFPB complaints put MoneySpot USA LLC DBA Sunshine Loans at #2018 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2018
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
MoneySpot USA LLC DBA Sunshine Loans vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 27 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 1 |
| 2022 | 3 |
| 2023 | 3 |
| 2024 | 6 |
| 2025 | 27 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for MoneySpot USA LLC DBA Sunshine Loans
The CFPB Consumer Complaint Database has logged 41 complaints against MoneySpot USA LLC DBA Sunshine Loans overall, with 26 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Charged fees or interest you didn't expect," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, MoneySpot USA LLC DBA Sunshine Loans posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 26.8% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does MoneySpot USA LLC DBA Sunshine Loans have?
41 complaints have been filed against MoneySpot USA LLC DBA Sunshine Loans with the CFPB overall - 26 of them in the past year.
Does MoneySpot USA LLC DBA Sunshine Loans respond to complaints on time?
CFPB complaints against MoneySpot USA LLC DBA Sunshine Loans draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for MoneySpot USA LLC DBA Sunshine Loans?
The most complained-about product for MoneySpot USA LLC DBA Sunshine Loans is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with MoneySpot USA LLC DBA Sunshine Loans?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about MoneySpot USA LLC DBA Sunshine Loans; the full issue list with counts is above.
How do I file a complaint against MoneySpot USA LLC DBA Sunshine Loans?
You can file a complaint against MoneySpot USA LLC DBA Sunshine Loans directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about MoneySpot USA LLC DBA Sunshine Loans?
MoneySpot USA LLC DBA Sunshine Loans has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does MoneySpot USA LLC DBA Sunshine Loans have?
41 complaints have been filed against MoneySpot USA LLC DBA Sunshine Loans with the CFPB overall - 26 of them in the past year.
Does MoneySpot USA LLC DBA Sunshine Loans respond to complaints on time?
CFPB complaints against MoneySpot USA LLC DBA Sunshine Loans draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for MoneySpot USA LLC DBA Sunshine Loans?
The most complained-about product for MoneySpot USA LLC DBA Sunshine Loans is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with MoneySpot USA LLC DBA Sunshine Loans?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about MoneySpot USA LLC DBA Sunshine Loans; the full issue list with counts is above.
How do I file a complaint against MoneySpot USA LLC DBA Sunshine Loans?
You can file a complaint against MoneySpot USA LLC DBA Sunshine Loans directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about MoneySpot USA LLC DBA Sunshine Loans?
MoneySpot USA LLC DBA Sunshine Loans has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.