Total CFPB complaints
36
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 36 complaints
Sunlight Financial LLC — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sunlight Financial LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
8 complaints
- False statements or representation
False statements or representation
6 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Charged upfront or unexpected fees 1
Charged upfront or unexpected fees
1 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Sunlight Financial LLC?
Sunlight Financial LLC has accumulated 36 total CFPB complaints across 15 states, with 17 filed in the most recent 12 months against 19 historical complaints before that window. The trailing-12-month volume represents 47.2% 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 "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by California with 9 and Florida with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Sunlight Financial LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
17
47.2% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Reputation grade
D
54.0/100 composite
Response-quality profile
How Sunlight Financial LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Sunlight Financial LLC compare to its peers?
Sunlight Financial LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-02 2026-02
Top Consumer Issues
Attempts to collect debt not owed15 (%)
False statements or representation6 (%)
Took or threatened to take negative or legal action8 (%)
Written notification about debt3 (%)
Charged upfront or unexpected fees1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 9 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Charged upfront or unexpected fees | — | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against Sunlight Financial LLC come from?
The states where consumers have filed the most CFPB complaints against Sunlight Financial LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sunlight Financial LLC
Across 15 states with at least one filing
- California
California
9 complaints
- Florida
Florida
5 complaints
- Virginia 3
Virginia
3 complaints
- Texas 3
Texas
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Iowa 2
Iowa
2 complaints
- Ohio 2
Ohio
2 complaints
- Utah 2
Utah
2 complaints
Frequently Asked Questions
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 36 complaints filed with the CFPB.
Are complaints against Sunlight Financial LLC increasing or decreasing? ▼
Complaints against Sunlight Financial LLC are rising. The company received 17 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: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 California (9 complaints).
What can I do if Sunlight Financial LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Sunlight Financial LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |