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

CFPB complaint data Grade C 219 complaints

SUN Loan Company Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Complaints by issue type

What consumers report about SUN Loan Company Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: SUN Loan Company Inc. ranks ahead of 44% of the 5,283 collectors PlainCollector grades - 56% keep a cleaner CFPB record, on 219 all-time complaints and a 96% timely-response rate.

44th pct
reputation rank of 5,283 graded collectors
219
CFPB complaints, all-time
96%
answered inside the CFPB window
100
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about SUN Loan Company Inc.?

SUN Loan Company Inc. has accumulated 219 total CFPB complaints across 21 states, with 100 filed in the most recent 12 months against 119 historical complaints before that window. The trailing-12-month volume represents 45.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 96% timely-response rate against a 10% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by Texas with 114 and Missouri with 22. Normalized against the full CFPB collector database, the reputation score of 60.3/100 places SUN Loan Company Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

219

mid-volume (CCDB)

Last 12 months

100

45.7% of all-time complaints

Rising ↑

States active

21

multi-region footprint

Timely response rate

96%

excellent band

Consumer disputes

10%

average (vertical avg ~19%)

Reputation grade

C

60.3/100 composite

How does SUN Loan Company Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

60 44th percentile higher than 44% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

SUN Loan Company Inc. versus the debt-collection vertical average.

Timely response within SLA 96.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 10.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 37.5%

Share of US states + territories with at least one filed complaint against this collector.

How does SUN Loan Company Inc. compare to its peers?

How does SUN LOAN COMPANY INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SUN LOAN COMPANY INC. National average
Complaints (last 12 mo)lower is better
100
44
268
Timely-response ratehigher is better
96%
100%
91%
Consumer-dispute ratelower is better
10%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-07 2019-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 61
Took or threatened to take negative or legal action - 61
Communication tactics - 28
Written notification about debt - 22
False statements or representation - 20
Improper contact or sharing of info - 9
Threatened to contact someone or share information improperly - 8
Cont'd attempts collect debt not owed - 6
Disclosure verification of debt - 2
Electronic communications - 1

Where do complaints against SUN Loan Company Inc. come from?

SUN Loan Company Inc.'s own per-state count, not a national baseline.

Top states by complaints against SUN Loan Company Inc.

Across 21 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if SUN Loan Company Inc. contacts you

A grade of C signals how SUN Loan Company Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really SUN Loan Company Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how SUN Loan Company Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against SUN Loan Company Inc.? ▼

The most common issue consumers report about SUN Loan Company Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 219 complaints filed with the CFPB.

Are complaints against SUN Loan Company Inc. increasing or decreasing? ▼

Complaints against SUN Loan Company Inc. are rising. The company received 100 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is SUN Loan Company Inc.'s reputation grade? ▼

SUN Loan Company Inc. has a reputation grade of C (score: 60.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SUN Loan Company Inc. respond to consumer complaints? ▼

SUN Loan Company Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.

In how many states does SUN Loan Company Inc. operate? ▼

SUN Loan Company Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Texas (114 complaints).

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

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.