Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/12/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Been using for awhile never had a problem pay off loan and reapply approved no problems at all. All the sudden miss one payment and pay in full within a week reapply and declined and no explanation as to why I'm declined when income hasn't changed in 15 years for me and everything is the exact same as all the other times. Now being told I'm blocked for month and I can't reapply for 30 days. If I would've known this I would've kept my money. Being declined for no reason has put me in a spot if u was planning on changing my status for one missed payment shouldve sent me a email and told me before I paid before I paid and was took completely off gaurd of the decline and now having no money to get anything with. If I have to wait 30 days I guess u all didn't need my business that bad

  Business Response

  Date: 04/25/2025

  Thank you for giving us the opportunity to address the concerns raised by Mr. ****** ******. At Sunshine Loans, customer satisfaction is a top priority, and we are committed to ensuring each customer feels valued and respected. We take these matters seriously and appreciate the chance to provide clarity.
  We understand how frustrating and unexpected this experience may have felt, especially given your positive history with us. Please allow us to clarify what occurred.

  
  When a payment is returned due to non-sufficient funds (NSF), our system automatically flags and rejects the associated loan, which may also impact eligibility for new applications. This process is standard to maintain consistency in our lending policies and ensure responsible lending practices for all customers.
  However, we want to recognize that you took the initiative to resolve the missed payment in a timely manner, and because of your history with us, we were pleased to see that you were able to reapply and successfully obtain a new loan.

  
  We sincerely apologize for any confusion or inconvenience this may have caused. It was certainly not our intention to take you by surprise, and we understand how important financial planning is. Your feedback is valuable, and we are actively working to improve communication surrounding any changes that may affect a customers loan status or application eligibility.

  
  If there is anything more we can do to support you or if you have additional questions, please dont hesitate to reach out to our customer service team at ************** or via email at ******************************** We are here to help and hope to continue being a trusted lending partner for you.

  
  ****** *****
  

  
  

• Initial Complaint

  Date:04/11/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I sent in a check for my payoff amount to Sunshine Loans in December. Sunshine Loans cleared the balance from my account after receiving the check, but then went on too add the balance back into my account. I emailed them asking why when I had sent off a payoff check, and never received a response, even 4 months later. Today, received notice that the balance was sent to collections. I have already filed a formal complaint with the ****. Ridiculous business practices.

  Business Response

  Date: 04/24/2025

   

  Thank you for giving us the opportunity to address the concerns raised by Mr. ********* *********. At Sunshine Loans, customer satisfaction is a top priority, and we are committed to ensuring each customer feels valued and respected. We take these matters seriously and appreciate the chance to provide clarity.

  
  Following a thorough review of our records, we can confirm that a payoff check in the amount of $623.84 was received and processed on December 31, 2024. As this resulted in an overpayment, a refund in the amount of $118.54 was issued back to Mr. ********* via ACH on January 6, 2025.

  
  For your reference, a screenshot of this transaction is included. The refund should also be visible on Mr. ********** statement for his ************* account ending in 0059.
  
  On January 27, 2025, the payment in the amount of $623.84 was returned to us due to a stop payment being placed on the check. For your reference, we have attached documentation separately that confirms this transaction.
  Following the return of the funds, our team made several attempts to contact you, including voicemail messages left on January 29 and January 31, requesting that you get in touch with us to resolve the matter.

  
  On April 12, 2025, you reached out via email and informed us that a third-party company had submitted the payoff check on your behalf. At that time, you were initially advised that the loan had been paid in full; however, upon further investigation, it became clear that the returned payment left the balance unsettled. Given the payment was stopped, we recommend that you contact the third-party entity who issued the check to initiate a deeper inquiry into the situation.

  
  In the meantime, your account has been transferred to our external collections partner, ******************************, for continued resolution efforts. They can be reached at **************.

  
  We sincerely regret any inconvenience or frustration this situation may have caused. Please know that we remain committed to supporting you and ensuring transparency throughout this process. Should you have further questions or require additional clarification, do not hesitate to reach out.

  ****** Brown 

  
  

• Initial Complaint

  Date:01/31/2025

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan 8/19/2024 for the amount of $500. I made my scheduled payments of $45.61 every week thereafter. I completely paid off my loan early around 11/6/2024 (the original payoff would be in December). I haven't had any issues for December. All of a sudden, I started receiving emails on 1/29/2025 up until today stating there is urgent account information. THEY'RE WANTING MORE MONEY ON THE ACCOUNT I PAID OFF ALMOST 3 MONTHS AGO. The email I got today saying I have until today to accept they're payment arrangement offer or the account will go into charge-off. When accessing my account, there is no longer any payment history shown on the same account and I can't see any details about the account. To make matters worse, when I click on the associated application number, it says the application is in PROCESSING?! I am refusing to pay anymore money. They don't even send you confirmation emails for your payments. I highly regret not taking a screenshot of anything when I paid off my loan.

  Business Response

  Date: 02/11/2025

  Dear Saleen Bounds,

  
  We have received and thoroughly reviewed your recent complaint regarding your loan established on August 19, 2024, for $500.00, which was deposited into your The First - A **************************** checking account on August 20, 2024.

  
  According to our records, your checking account was debited $45.61 biweekly from August 26, 2024, until December 9, 2024, when the payment of $45.61 was returned due to insufficient funds. As outlined in your contract, when a payment is returned, we attempt to debit half the payment. On December 16, 2024, a charge of $22.80 was attempted, which was also returned on December 18, 2024, due to insufficient funds. However, on December 18, 2024, you manually made a payment of $112.51.

  
  At that time, the remaining balance on your account was $22.80 plus interest of $0.56, which was still outstanding. The payment you submitted reflected the amount you believed was owed but did not account for the returned payment. However, in consideration of the situation, we have settled your account, and your closing balance is now zero.
  We trust that this resolution is satisfactory, and we now consider this matter closed. Should you have any further questions or require additional clarification, please do not hesitate to reach out.
  

  Thank you. 

  ****** *. Brown 
  Customer Service Manager
  Kind Regards,
  Sunshine Loans Customer Service
  
  

  Customer Answer

  Date: 02/11/2025

   
  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,
  
  Saleen Bounds

• Initial Complaint

  Date:09/24/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have taken 2-3 loans from this company. I understand the way it works. My issue with them now is I have paid ******* dollars more to them than I have borrowed and probably more. I stopped because I am having a Family Crisis.And My income has changed. I feel as though. The money i have already paid.Should be enough to cover the loans I intially took out. The amount. I am being asked to pay back . Is Almost tripled the amount i was approved for. This is really a such a shame considering I've been a loyal paying customer they've already made a killing off of me. I find it ridiculous instead of just calling it a clean slate.I am requesting for my loans to be closed. With the good rating of Paid in full.

  Business Response

  Date: 10/04/2024

  Hi *******,

  Thank you for reaching out and raising these issues with us. We're sorry to hear of your current circumstances and dissatisfaction with our service.

  With each loan provided to you, your loan terms, including all applicable fees and interest were disclosed to you per federal TILA requirements, and were accepted by you. I've attached both of your loan agreements for your convenience. Whilst we appreciate your previous repayment history, both of the active loans you have outstanding are their own separate accounts, and neither have had their principal loan amount repaid. I've also attached your loan statements indicating as such. Given this information, we unfortunately cannot waive the balances and mark them as paid in full.

  I've put a pause on all future interest accruals for both of your accounts - If you're experiencing hardship, we may be able to better assist by placing you into our hardship program, where we may offer reduced repayments or repayment moratorium whilst your financial situation improves. Please let us know if this hardship program would be beneficial to you and I can set this up and tailor your loans to suit your current situation. Depending on the severity of your current situation, this may also include waiving the balances on your loans and closing them as settled. Please note this avenue requires documentation of your situation to be able to be considered, so if you'd like to explore this, please send any relevant documentation regarding your hardship to us via email ********************************* and we'll refer it to our hardship team for consideration.

  We'd love to be able to work with you to come to an amicable resolution with you regarding these accounts, so please don't hesitate to let us know if there's anything else we can do for you.

  Regards,

  Sunshine Loans Complaint Manager.

  Customer Answer

  Date: 10/09/2024

   
  Complaint: 22335962
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****

  Customer Answer

  Date: 10/11/2024

  I am requesting these account be closed. I have paid almost Tripled .Then the amount that was originally loaned. I am asking for proper Resolution please.

  Business Response

  Date: 10/11/2024

  *******,

  As referenced in our prior response and evidenced in the statements provided, the principal amount has not yet been repaid for either of your active loans and as such, we cannot close the accounts. We have already stopped future interest accruals as a gesture of goodwill such that you'll be paying less than your original contracted interest charges in order to assist you.

  If you're struggling with your current obligations, we can offer further assistance through our hardship program, of which there are multiple possible avenues designed to be able to assist you in your current situation and were outlined in our prior response. Without further information regarding your circumstances, we may not be able to provide you with the tailored assistance you require, so please allow us to better assist you with our hardship program by providing details of your current circumstances.

  Looking forward to hearing from you and coming to a resolution that assists your current financial situation.

  Regards,
  
  Sunshine Loans Complaint Manager.

• Initial Complaint

  Date:09/05/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have taken 2-3 loans from this company. I understand the way it works. My issue with them now is I have paid ******* dollars more to them than I have borrowed and probably more. I stopped because I am having another baby in a couple months and I've finally got my Financials straightened out and they are coming after me for another $200+ for a settlement or they're going to turn it over to collections. This is really a shame considering I've been a loyal paying customer for close to a year and a half and they've already made a killing off of me. I find it ridiculous instead of just calling it a clean slate they come after me for ANOTHER $200

  Business Response

  Date: 09/13/2024

  Hi *******,

  Thank you for reaching out in regards to your current account.

  With regards to your complaint, I understand you're disappointed that as a loyal customer you feel that you've already repaid enough and we shouldn't be attempting to collect anymore in payments from you. I want to take some time to address your concerns and clear up some misconceptions regarding your account.

  Firstly, each loan you've received from us is an individual loan, and any amounts paid towards prior loans have no bearing on the standing of your new loan. 
  Regarding the status of your current outstanding loan, to date, you've repaid $968.34 towards your principal amount of $1,000, and your balance as of today is $1,626.83 as interest continues to accrue each day. 

  We've always attempted to work with you regarding your repayments per your requests, including reducing them and extending the discounted settlement offer we previously offered you. Your account has currently been held for 2 months without payment.

  As a gesture of goodwill, I can offer you a further reduced payoff amount of $31.66 to close your loan - this will mean towards loan 9421075, with your current amount paid to date of $968.34, you will have only repaid the principal amount of $1,000, and no fees or interest will have been paid by you.

  Please let me know if this is suitable and I can adjust your settlement offer link to reflect the above offer.

  Kind Regards,

  Sunshine Loans Complaint Manager

  Customer Answer

  Date: 09/13/2024

   
  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

  Date:09/03/2024

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Took a loan out with Sunshine Loans in Early 2023. They WITHOUT my permission paid that loan off and in order to regain some of the funds that they took from my account forced me into a newer loan with higher payments. Which I ended up defaulting on. Since that time, I have been working with a *************************** Once notified of that Sunshine Loans sold this to Collection Attorneys USA, LLC. This was for a ****** loan which they got that back.

  Business Response

  Date: 09/11/2024

  Hi *******,

  I'm reaching out in regards to your dissatisfaction of the handling of the accounts you opened with us.

  To address the claim regarding your first account (#********, your final repayment was indeed greater than contracted due to an agent error when reducing your prior payments, which was acknowledged at the time. I note than in a phone call following this final payment toward the loan, you requested for both a refund and a new loan, however only one of these were possible as issuing a refund would re-open the loan which would mean you would be ineligible for a new loan. In order to resolve any issues, we offered you the choice of either issuing a refund to you for the amount paid over your regular payment amount, or process a new application from you, in which you opted to reapply for a new loan in lieu of the refund. 

  Regarding your second account (#******** that was referred to collections, your account became delinquent in May 2023 after you missed your scheduled payment on 05/31/2024. We sent several notifications via email and SMS that your account was delinquent and at risk of being referred to an external collections agency, and offered you a discounted payoff to close the account. You had only made payments totaling $300 towards your principal loan amount of $600, and your contracted total repayment amount with interest and fees was $1,215.78.
  Whilst you stated couldn't make the full discounted payoff payment, in an email dated 6/16/2023 you mentioned you could do 4 payments starting 6/30/2024. Following your email from 6/16/2023, we didn't receive any correspondence from you until 8/25/2024, over a year later, nor did we receive any payment as offered. Further, we didn't receive any notification you were working with a debt consolidation company up until this information was included in your complaint. 

  As no payment was made in June or July of 2023 following your agreement to make payment, your account was referred to Collection Attorneys USA LLC on 08/18/2023. If you've made payment to settle your account with them, your account may be settled and closed, however as ownership of the account was transferred to them, we have no visibility on the balance owing or status, so you'll need to contact them for information on the status of account. We ceased attempting to collect on this account once ownership was transferred to Collection Attorneys USA LLC.

  If you need any further clarification on your accounts, please don't hesitate to let us know.

  Kind Regards, 

  Sunshine Loans Complaint Manager.

  Customer Answer

  Date: 09/11/2024

   
  Complaint: 22234606
  
  I am rejecting this response because: no option of refund on the original loan was offered.   I was told that to gain any of my money back I had to take out a new loan.   I WAS FORCED INTO THAT.   
  

  On the settlement payment that was offered I wanted to do it in 4 payments.   But was told that it was a one payment kind of payment.   See attached.   I had called and told you all I was working with a debt settlement company after that.   
  
  Sincerely,
  
  *************************************

  Business Response

  Date: 09/18/2024

  Hi *******,

  Whilst I can't locate these communication records following the June 2023 email communication, in an effort to resolve your complaint, I have submitted a request to retrieve your account from the debt purchaser. Once I have confirmation of this I will waive the balance and close the account. Please let me know if this does not address your intended outcome.

  Kind Regards,

  Sunshine Loans Complaint Manager.

  Customer Answer

  Date: 09/18/2024

   
  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.
  
  Please send me confirmation once this is completed in the Sunshine Loans system.   
  
  Sincerely,
  
  *************************************

• Initial Complaint

  Date:08/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got a 800 loan on the 11tg the billing date is the 18th but they charged my account on the 16th now my bank account is negative and I have a overdraft charge tried to ask for a reversal they told me no I asked why you charge me I 5 days thats not even a week

  Business Response

  Date: 08/22/2024

  Hi ******,

  I hope this message finds you well, and I apologize if the service we've provided to you hasn't met your expectations.

  Your first scheduled repayment was on 08/18/2024, which fell on a Sunday. Unfortunately, we are not able to process ACH payments over the weekends due to the banks' processing times, and as such, any repayment that falls on a weekend is debited the business day before, being 08/16/2024 for your loan. Our system should have sent you an automatically generated email notifying you of such on or around Wednesday 08/14/2024. If you didn't receive any email from us, please let us know and I'll raise this with our IT team to investigate.

  I understand the payment being debited the business day before may still have caught you off guard however, so in order to ensure your experience reflects what we aim to provide, if you can provide me with a screenshot of the overdraft fee your bank has charged as a result of our payment being debited the business day before, I can issue you with a refund to your account for this fee amount. 

  If you have any further questions or need additional assistance, please don't hesitate to let us know.

  Kind Regards,

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

  Manager.

• Initial Complaint

  Date:08/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company is charging me a fee of ******% on a loan. I live in ******** isnt this illegal?

  Business Response

  Date: 08/13/2024

  Dear ****,
  
  I hope this message finds you well. I wanted to take a moment to respond to your inquiry regarding your fees and interest charges,specifically as to whether theyre legal or not.

  We are a licensed lender in the state of ********, regulated by the state, and we offer loans considered Closed End Credit and are not Short-Term Consumer Loans. Ive attached a link to confirmation of our license on our website below for your convenience. These loans are covered by Title 5, Chapter 22, Subchapter iii of the Delaware Banking Code. All our fees and interest are charged in accordance with all applicable state and federal laws and regulations, including this code.
  *************************************************************************************************************************************************************************

  Under the code, specifically 2229, interest can be charged and collected at the rate specified in the loan agreement, and is not capped at any defined percentage. Interest is being charged at a daily rate of **********% on your outstanding principal balance as disclosed in your promissory note. Ive included this subsection below:

  2229. Interest.
  A licensee may charge and collect interest in respect of a loan at such daily, weekly, monthly, annual or other periodic percentage rate or rates as the agreement governing the loan provides or as established in the manner provided in such agreement and may calculate such interest by way of simple interest or such other method as the agreement governing the loan provides. If the interest is precomputed it may be calculated on the assumption that all scheduled payments will be made when due. For purposes hereof, a year may but need not be a calendar year and may be such period of from 360 to 366 days, including or disregarding leap year, as the licensee may determine.
  A link to this code is also included below.
  ********************************************************

  I also want to clarify that the ******% fee you referenced is your Annual Percentage Rate, and is not a fee in and of itself. The contracted fee content for your loan is $473.60, which is a pre-computed interest charge based on the above daily rate. Along with the principal amount of $350, your contracted total repayable is $823.60.
  I note however that your second repayment on 06/01/2024 was returned, we have charged a $20 NSF fee in accordance with your promissory note.
  As a gesture of goodwill, Ive gone ahead and waived this $20 NSF fee for you.
  
  If you have any other questions regarding your loan, please dont hesitate to reach out to us again and well be happy to clear up any concerns.
  
  Kind Regards,
  *************************.
  Manager.

  Customer Answer

  Date: 08/13/2024

   
  Complaint: 22117683
  
  I am rejecting this response because Im only willing to pay the $383.75 that I owe.
  
  Sincerely,
  
  ****************************

  Business Response

  Date: 08/15/2024

  Hi ****,

  I have put a pause on all future interest accruals such that no additional interest charges will be accrued on your current balance of $383.75. As such, provided your 3 remaining payments are successful your loan will be repaid in full. Please see below for details on your revised payment schedule.

  2 payments of $137.27, on 8/30/24 and 10/1/24 - please note your next regular payment on 09/01 falls on a weekend and will be debited the business day before - if this needs to be adjusted please let us know.
  1 final payment of $114.69 on 11/01/24.

  Please let us know if you have any other concerns.

  Kind Regards,
  *************************.
  Manager.

  Customer Answer

  Date: 08/16/2024

   
  Complaint: 22117683
  
  I am rejecting this response because:
  I want to pay the final balance of $383.75 on 9/2/2024.  

  Sincerely,
  
  ****************************

• Initial Complaint

  Date:06/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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

  Date:05/10/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  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

  Date: 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