ComplaintsforSunshine Loans

• Initial Complaint

  06/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My statement showed a payment of $178.85 was due and automatically being taken out if my account on June 28. There are two charges- $181.81 and $122.25 from Sunshine Loans currently pending from my bank account. Phone calls go unanswered and just ring with no option to leave a message and emails have not been responded to.

  Business response

  07/02/2024

  Hi ****,

  Thank you for raising this issue with us, we're sorry to hear our services didn't meet your standards and apologize for any delay in responding to your attempted contact. Whilst we attempt to be able to respond to all attempts at contact immediately, unfortunately during busier periods, some inbound calls may get put into a call queue until one of our representatives is available. For future contact, we recommend waiting in the queue over the phone to ensure we can get to your call as soon as possible, as each new call resets your place in the queue and may delay us in responding to any concern you may have. In saying that, it's clear after reviewing the details of your complaint that our response time to you was unacceptable, and we'll be taking appropriate measures to improve upon this to ensure we can handle incoming contact attempts without delay.
  

  On review of your account, I can confirm a 2nd payment was erroneously debited from your account and we sincerely apologize for this issue. We've escalated this issue with our development team to review to ensure this cannot occur again.

  I've set up a refund of $125.21 to be issued to you, being the sum of the 2 payments debited totaling $304.06, less the $178.85 due, and should be received by tomorrow (07/03/2024) evening depending on your bank's processing times.

  If there's any other concerns you may have, please don't hesitate to reach out to us again.
  

  Kind Regards,

  *************************.

  Manager, Moneyspot Direct, LLC.

• Initial Complaint

  05/10/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with MONEYSPOT DIRECT LLC, I do not have a contract with NATIONAL CREDIT ADJUSTERS LLC, they did not provide me with the original contract as I requested.

  Business response

  05/15/2024

  Dear ********,

  Thank you for your patience while we investigated this issue.

  As promised in our initial response, we have successfully bought back your Sunshine Loans contract ******* (documents attached to initial direct response) and have requested that NCA remove the tradeline from your credit report. Please note that it typically takes ***** days for this update to be reflected on your credit report. We will notify you as soon as we receive confirmation of the update.

  We can now work with you directly to set up a suitable,reduced payment arrangement. If you are having difficulty meeting your financial obligations, please let us know, and we'll do our best to provide you with the flexibility you need.

  If you have any questions or concerns, or would like any further information, please do not hesitate to contact us via email, ******************************** or via phone, *************.

  Best regards,
  Sunshine Loans ********************* Team

• Initial Complaint

  03/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I applied for a payday loan on 12/23/23. I was approved through Sunshine loans - Moneyspot and was provided a $300 loan. My last payment was received by them on 3/1/24. I spoke to them today and was informed that my account is fully closed as of 3/7/24. I have waited the appropriate 24 hours to try to reapply for a payday loan but receive the following message "Error, Customer is ineligible, open transaction with this ***,please contact us with any other concerns **************. The first time I contacted them on 3/4 I was told I had to wait 3 business days for the payment to clear followed by 24 hours to reapply. After waiting and still being unable to apply with the same response as earlier, I was told to call **************. I spoke to someone at the ******* *** at this number and they stated the transaction number ********* was still showing open and active for Moneyspot Sunshine Loans for $300. They said the lender had to go into the *** website and close out the transaction as completed/paid. I called Sunshine loans/Moneyspot again and informed them of this. The man I spoke to had no idea what I was talking about. Said he didn't have access to this website. Refused to let me speak to a supervisor. I even told him the last person I spoke with there is the one who gave me the number to call ******* ***. He told me to fill out another application. I instructed him of the response I keep getting as stated above. He said he would refer this to someone and I would get an email. I cannot believe there wasn't someone else available who knows about this as it's regulated by ******* law. I want someone to contact me and resolve my open *** so that I may get another loan, but it will not be with this company.

  Business response

  03/12/2024

  Dear ********,
  I hope this message finds you well. I wanted to address the concerns you raised in your recent complaint and assure you that we take your feedback seriously. First and foremost, I want to express my sincere apologies for any inconvenience caused due to your recent experience. It is important to us that you feel heard and respected in all interactions.
  Upon receiving your complaint, we conducted an internal investigation to understand how this situation occurred.
  The Maturity Date of Transaction ********* was on 3/1/2024,however, as a business rule, for ACH debits, we update the transaction status to Pending-Clearing status for 3 business days before we update the transaction status to Closed. In this case, it appears that there was an isolated administrative error which resulted in the transaction status not being updated to Closed until 3/8/2024. We have since verified that Transaction ********* is marked as Closed on the **************** Deferred Presentment Transaction System (please see attached).
  On 3/8/2024, after the transaction status was updated, you submitted a $1,000 application with Sunshine Loans and were subsequently offered an $800 loan. However, our system shows that you declined this offer on the same day. We have since tested your account and you should be able to reapply for a new loan if you wish to do so.
  We appreciate your patience in this situation and sincerely value you as a customer. As a gesture of apology, we are willing to offer you a reduced Biweekly Fee of 4% of the outstanding loan amount if you ever need to obtain another loan through Sunshine Loans.
  If you have any further questions or concerns, please do not hesitate to reach out to myself or our customer support team, who will be more than happy to assist you.
  Warm regards,
  *************************
  Chief Executive Officer
  MoneySpot Direct, LLC dba Sunshine Loans

  Customer response

  03/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  05/18/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  EMAIL I SENT TO SUNSHINE LOANS:******************************* <*******************>Attachments 4:17?AM (3 hours ago)to info EMAIL I SENT TO SUNSHINE LOANS I intend to pay this loan off tomorrow Friday May 19th. I want to know what the payoff amount is for the $300 I borrowed only. I am Not paying $561.35 interest to borrow $300 for 4 days. It should only be a few dollars. I expect a response today with a reasonable amount that I owe or I will be contacting the Better Business Bureau

  Business response

  05/23/2023

  Dear *******,
  
  Thank you for bringing your concerns to our attention. We sincerely apologize for any dissatisfaction you may have experienced with the initial confusion regarding the early payoff amount. We take all customer complaints seriously and are committed to resolving any issues as quickly as possible.
  
  Upon investigation, I can see that your email was sent at 4:18am Thursday, 18 May and was attended to at 3:22pm of the same day. This response time is above our target of 1 to 2 hours, and we can appreciate the stress this may have caused, particularly given the urgency of your inquiry.
  
  The good news is, I can see that our agent was able to assist you with taking the reduced payoff amount of $380.15 to close off your loan.
  
  If you have any further questions or requests, please do not hesitate to let ** know and we'll be happy to ensure that you are satisfied.
  
  We value your business and hope to have the opportunity to serve you again in the future.
  
  Sincerely, 
  Complaints Manager
  MoneySpot Direct LLC
  

  Customer response

  05/24/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩