ComplaintsforSun Loan Company

• Initial Complaint

  12/27/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Sun Loan Partnership and do not have a contract with Sun Loan. They did not provide me with the original application like i asked.

  Business response

  01/05/2023

  On January 4, 2022, ************** took out a loan for $269 at the Sun Loan  *****, ** office, which called for a total payback of $45 a month for 6 months. Three payments were received, and the loan was charged off on September 30, 2022.
  Two indirect disputes were received and responded to within ********************************************************************************************** the complaint.  We cannot delete the tradeline as ************** has requested as that would be incorrect credit reporting.  We have included a copy of the original signed contract and application.  If ************** has any questions, he can contact Sun Loan Company at ************.
  
  

• Initial Complaint

  11/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Sun Loan company, they have failed to send me the application letter I requested. I demand this be removed from my credit report.

  Business response

  11/23/2022

  On December 21, 2015, ******************** took out a loan for $259 at the Sun Loan ******, ** office, which called for a total payback of $43 a month for 6 months. No payments were received, and the account was written off on May 31, 2016.
  
  On January 19, 2016, ******************** telephoned the Sun Loan office, and made a promise to make a payment on January 20, 2015, but no payment was received.
  
  Regarding the request for a copy of the application letter ******************** references in his complaint, we have not received any correspondence from him. On September 19,2020, we received an indirect dispute from *********** disputing the date of first delinquency, account status, compliance condition code, special comment code, and date closed. We reviewed the account information and responded to the dispute on October 6, 2020.
  
  As far as ******************* not being liable for the debt, we have included a copy of the signed application, loan contract, identification card, personal references, and check stubs he provided when he took out the loan.
  
  We have reviewed all three credit reports and found that Experian is not reporting any data and Equifax and *********** are both reporting correctly as charged off status. It would be incorrect for us to delete the tradeline as ******************** has requested.
  
  If ******************** has any questions, he can contact Sun Loan at ************.
  
  
  
  
  
  

• Initial Complaint

  11/02/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have asked this company to removed my number from their list multiple times and they have failed to do so. I told them specifically do not call me and they still do. I do not have an account with this company and am not responsible for any balance with this company.

  Business response

  11/08/2022

  On November 2, 2022, we received a complaint from *****************************, the daughter of our customer, Mr. ************************* located at the Sun Loan Company, ***********, ** office. On August 17, 2021, ******************** listed **************** as a personal reference on his application along with her ***** number.  Ms. ******* complaint states that she has requested the Sun Loan office remove her ***** number from the account and discontinue calling her.  She says that the Sun Loan office has continued to contact her after she requested to be removed from the account.  The District Manager has investigated and confirmed with the Branch Manager, that Ms.******* ***** number has been removed from the personal references on Mr.********* ************** We apologize for any inconvenience and **************** can contact Sun Loan Company at ************** if she has any questions.

• Initial Complaint

  09/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On August 4, 2022 I paid sun loan my payment of 178 they charged me **** for payment over the phone but without my consent they took 20 dollars for supposedly late payment without letting me know, I then gave a payment on August 25, 2022 for another 178 with the **** fee and they took 10 for supposedly another late fee without letting me know. Now they are saying I still owe $30 on late fees. They take money out of the payment without letting the customers know and leave them with a balance so they can charge a late fee. I spoke to ****** the store manager and she would not let me speak and did not give me an explanation. Can you please help.

  Business response

  09/12/2022

  Attached is the response along with copies of the loan contract, loan application and ID card.

• Initial Complaint

  08/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a victim of identity Theft. My information has been exposed in the ************ breach. SUN LOAN COMPANY is not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately.

  Business response

  08/26/2022

  Attached is the response. 

• Initial Complaint

  08/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  15 U.S.C **** section 602 A.15 U.S.C **** section 604 A section **** ******************************* charge is for someone other than me I have no idea what is going on with my credit but Im working on rebuilding now and disputing all these identities theft inquires. During this time my identity was stolen as well as a report made during the time

  Business response

  08/12/2022

  Attached is the response

• Initial Complaint

  08/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a victim of identity theft. My information has been exposed in the ************ breach. SUN LOAN COMPANY is not affiliated with me nor received any money, goods, or services as a result of identity theft or authorized by me and I would like this to be removed from any affiliation with me immediately.

  Business response

  08/12/2022

  Attached is the response

• Initial Complaint

  07/25/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a victim of identity theft. My information has been exposed in the ************ breach. The following account is not affiliated with me nor received any money, goods, or services as a result of identity theft or authorized by me and I would like this to be removed from any affiliation with me immediately.

  Business response

  07/27/2022

  Attached is our response to the BBB complaint

  Customer response

  08/24/2022

  Complaint: 17618128
  
  I am rejecting this response because:

  I have been a victim of identity Theft. My information has been exposed in the ************ breach. SUN LOAN COMPANY is not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately.
  
  Regards,
  
  *********************

  Business response

  08/31/2022

  We have reviewed ************** BBB complaint # ******** on July 25, 2022 and responded on July 28, 2022, requesting account #**** be deleted from her credit report. We investigated the account further and made the decision to delete the account from her credit report. We have submitted a manual request to the credit bureaus to update the reporting. We ask that she please allow a minimum of thirty days for this information to update on the credit file. If ************** has any questions, she can contact our corporate office at ************
  

• Initial Complaint

  05/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  i went on disability in March 2020. spoke with company set up different repayment terms. made multiple payments to my account and caught payments up to date. company refuses to update information in credit report.

• Initial Complaint

  04/25/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 2/16/22, I filed a consumer dispute with ********************* regarding inaccurate and unauthorized data. This complaint is specifically against the furnisher of that information, Sun Loan Company.My privacy was violated. I have been treated with impartiality and unfairness for over 60 MONTHS. Pursuant to 15 U.S. Code **** - Congressional findings and statement of purpose (a)Accuracy and fairness of credit reporting The Congress makes the following findings: (4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.After Transunion's and Experian's "alleged" investigation was complete; On 3/25/22 submited a notice to Sun Loan notifying them of the consumer violations against me. The certified letter returned to me as "undeliverable".On 4/10/22,due to the responses that I received from Transunion and Experian, after their "alleged" investigation, I followed up with CFPB complaints: ******************************************* On 4/14/22 I submitted a CFPB complaint directly against Sun Loan CFPB#******-8517119. I gave none of these consumer reporting agencies written permission to furnish any information on my consumer report. Pursuant to 15 U.S. Code ****b - Permissible purposes of consumer reports (a)In general Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2)In accordance with the written instructions of the consumer to whom it relates. Furthermore, Sun Loan is intentionally reporting a cancelled debt (charge-off) greater than $600. I am still waiting on my ****. According to IRS publication 2021 cancelled debt is income. Income can not be reported on the consumer report. Sun Loan is continuing to report this income as an "alleged" debt on my consumer report

  Business response

  05/02/2022

  
  On June 28, 2016 ****************** took out a loan for $263 at the Sun Loan at the ************* office, made four payments and then refinanced it on November 15, 2016 for $567. It called for a total payback of $71 a month for 8 months. No payments were received on the refinanced loan and the account was charged off on April 29, 2017. As to the account being cancelled as stated by ******************, Sun Loan did not cancel the account when it is charged off nor was it reported to the *** as gross income and we did not issue Form 1099-C. The account will continue to accrue maturity interest as stated in the signed contract until it is paid off and Sun Loan will continue to report the account status for 7 years from the date the loan was taken out. We have included a copy of the signed contract. We will not delete the account from ****************** credit reports as requested as that would be incorrectly reporting the account.We have reviewed all three major credit reports and have found that Equifax and *********** are not reporting any data and Experian is reporting the account as charged off with a balance of $567. If ****************** has any further questions or would like to discuss a settlement, she can call Sun Loan corporate office at ************.
  

  Customer response

  05/05/2022

  Complaint: 17100104
  
  I am rejecting this response because:Pursuant to15 U.S.Code ****n(a)(1)(a)Civil liability for willful noncompliance, (a)In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of (1) (A)any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000

  
  

  You are in violation of the following U.S.Codes: 

  U.S. Code 1692e;

  15 U.S.Code ****e(b);

  15 U.S.Code ****s-2;

  15 U.S.Code ****e;

  U.S.Code 1692d;

  U.S.Code 1692f;

  U.S.Code ****n

  U.S.Code ****a;

  U.S.Code ****e

  U.S.Code ****i

  
  

  
  

  
  

  
  Regards,
  
  *****************************

*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. ↩