Total CFPB complaints
3
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 3 complaints
Sunshine State Credit — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Sunshine State Credit
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 62.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Sunshine State Credit?
Sunshine State Credit has accumulated 3 total CFPB complaints across 1 states, with 0 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% 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 1 states, led by Florida with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.6/100 places Sunshine State Credit in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
1
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Reputation grade
C
62.6/100 composite
Response-quality profile
How Sunshine State Credit performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Sunshine State Credit compare to its peers?
Sunshine State Credit 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)
2019-02 2024-11
Top Consumer Issues
Attempts to collect debt not owed1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
Where do complaints against Sunshine State Credit come from?
The states where consumers have filed the most CFPB complaints against Sunshine State Credit. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Sunshine State Credit
Across 1 states with at least one filing
- Florida
Florida
3 complaints
Frequently Asked Questions
What is the most common complaint against Sunshine State Credit? ▼
The most common issue consumers report about Sunshine State Credit is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 3 complaints filed with the CFPB.
Are complaints against Sunshine State Credit increasing or decreasing? ▼
Complaints against Sunshine State Credit are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Sunshine State Credit's reputation grade? ▼
Sunshine State Credit has a reputation grade of C (score: 62.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Sunshine State Credit respond to consumer complaints? ▼
Sunshine State Credit has a 67% timely response rate to CFPB complaints.
In how many states does Sunshine State Credit operate? ▼
Sunshine State Credit has received CFPB complaints from consumers in 1 states, with the most complaints from Florida (3 complaints).
What can I do if Sunshine State Credit 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 Sunshine State Credit 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 |