What is the most common complaint against Sunlight Financial LLC?

The most common issue consumers report about Sunlight Financial LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 48 complaints filed with the CFPB.

Are complaints against Sunlight Financial LLC increasing or decreasing?

Complaints against Sunlight Financial LLC are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Sunlight Financial LLC's reputation grade?

Sunlight Financial LLC has a reputation grade of D (score: 49.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Sunlight Financial LLC respond to consumer complaints?

Sunlight Financial LLC has a 89% timely response rate to CFPB complaints.

In how many states does Sunlight Financial LLC operate?

Sunlight Financial LLC has received CFPB complaints from consumers in 15 states, with the most complaints from Texas (13 complaints).

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

Sunlight Financial LLC - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

16
Written notification about debt

12
False statements or representation

10
Took or threatened to take negative or legal action

9
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record sunlight-financial-llc Sunlight Financial LLC

Grade D · 48 CFPB filings · 89% timely · lead issue: Attempts to collect debt not owed · vol #1229 · compose #4173

VOL 48
GRADE D
12MO 22
STATES 15
TIMELY 89%
ISSUE Attempts to collect debt n…
RANK #1,229
COMPOSE #4,173

Volume peers

Nearest volume peer: ABR Recovery Services LLC. (48 complaints)

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

Sunlight Financial LLC's 48 CFPB complaints sit next to ABR Recovery Services LLC. 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 →

Filing geometry

Texas is the plurality state for Sunlight Financial LLC (27.1%)

Volume rank #1,229 and composite rank #4,173 diverge by 2,944 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 27.1%; Mid-band (15–30%) · 15 states with ≥1 filing
Seasonal peak: 2014-09 8.3%; 8–15% band · 4 filings
Divergent corpus ranks: #1,229 volume; #4,173 composite; Cleanest-composite ladder is 2,944 places worse than volume

How does Sunlight Financial LLC compare to its peers?

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

Sunlight Financial LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-07 2016-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	16
Written notification about debt	12
False statements or representation	10
Took or threatened to take negative or legal action	9
Communication tactics	1

Where do complaints against Sunlight Financial LLC come from?

Sunlight Financial LLC's own per-state count, not a national baseline.

Texas

13
California

9
Florida

8
Virginia

3
Iowa

2
Ohio

2
Pennsylvania

2
Utah

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Sunlight Financial LLC: 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: 48.

4 peers

Know your rights before responding to Sunlight Financial LLC: 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.