What is the most common complaint against MoneySpot USA LLC DBA Sunshine Loans?

The most common issue consumers report about MoneySpot USA LLC DBA Sunshine Loans is "Attempts to collect debt not owed", specifically "Impersonated attorney, law enforcement, or government official". This is based on 13 complaints filed with the CFPB.

Are complaints against MoneySpot USA LLC DBA Sunshine Loans increasing or decreasing?

Complaints against MoneySpot USA LLC DBA Sunshine Loans are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is MoneySpot USA LLC DBA Sunshine Loans's reputation grade?

MoneySpot USA LLC DBA Sunshine Loans has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does MoneySpot USA LLC DBA Sunshine Loans respond to consumer complaints?

MoneySpot USA LLC DBA Sunshine Loans has a 100% timely response rate to CFPB complaints.

In how many states does MoneySpot USA LLC DBA Sunshine Loans operate?

MoneySpot USA LLC DBA Sunshine Loans has received CFPB complaints from consumers in 3 states, with the most complaints from Texas (11 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

MoneySpot USA LLC DBA Sunshine Loans - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

4
Took or threatened to take negative or legal action

3
False statements or representation

3
Threatened to contact someone or share information improperly

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record moneyspot-usa-llc-dba-sunshine-loans MoneySpot USA LLC DBA Sunshine Loans

Grade C · 13 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #2266 · compose #2243

VOL 13
GRADE C
12MO 7
STATES 3
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #2,266
COMPOSE #2,243

Volume peers

Nearest volume peer: 3rd Generation, Inc. (13 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

MoneySpot USA LLC DBA Sunshine Loans's 13 CFPB complaints sit next to 3rd Generation, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

84.6% of MoneySpot USA LLC DBA Sunshine Loans's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Texas 84.6%; 11 of 13 filings · 3 states touched
Seasonal peak: 2018-10 14.7%; 8–15% band · 5 filings
Corpus ranks: #2,266 volume; #2,243 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does MoneySpot USA LLC DBA Sunshine Loans compare to its peers?

How does MoneySpot USA LLC DBA Sunshine Loans compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

MoneySpot USA LLC DBA … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2023-07

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	4
Took or threatened to take negative or legal action	3
False statements or representation	3
Threatened to contact someone or share information improperly	2
Written notification about debt	1

Where do complaints against MoneySpot USA LLC DBA Sunshine Loans come from?

MoneySpot USA LLC DBA Sunshine Loans's own per-state count, not a national baseline.

Texas

11
Delaware

1
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for MoneySpot USA LLC DBA Sunshine Loans: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 13.

4 peers

Know your rights before responding to MoneySpot USA LLC DBA Sunshine Loans: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.