Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: WI

Complaint narrative:
The bank XXXX XXXX Bank and Sunlight Finacial issued {$29000.00} under my line of credit to XXXX XXXX unlawfully. It was an approval that was needed and they sent it without an approval and not record of it. My credit is effected and I am forced to pay on this loan and it is a scam and they have proformed fraud in this process. 

I have another case going on and I am submitting this to you all because my lawyer stated that they will have to follow and correct the balance at the minumum. I need the XXXX payment removed from my account. Which I did not approve and the Company did not do all of the work that was in scope and materials are missing. It was damages and the police was called. Police was called on XXXX XXXX which is the company they sent the money too. 

Please also see Complaint # XXXX in your records. I will like to submitt another file. That will show the communication with the company. I have been scammed. The company is a Scam and they are not replying to anything but payments. 

I need help with Sunlight Fin. balance that reflect an unauthorized payment and they that was paid out to a Company directly. No funds were given to me and funds were given out of my control. Over a year in this matter and I have found no justice. 

The company sent funds with out my consent and they are working with the Company that they sent the money too. They have breach the contract and have not tried to correct the balance or the actions. Sunlight is a system but what was done, was done by a human. I have been exposed of the personal decision in regards to this matter. They force the payment, Sunlight Fin/XXXX XXXX XXXX  XXXX I have a {$70000.00} line of credit with the company!!! 

XX/XX/year> Sunlight sent a fraud e-mail stating I authorized a payment to XXXX XXXX XXXX XXXX They sent funds and it have been proven to be unlawful. Please see " FACTS COMMON TO ALL CLAIMS '' # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX ON THE XXXX PAGE. 

A claim is done on XXXX XXXX XXXX for the breach of contract but Sunlight is still charging me on my credit for the full payment. They have not moved on adjusting the balace. They are stating that my file is in review. Yet I have to still make payment and it is all interest. 

I put Tickets in, that is what they call claims to file and for review. Within there company, nothing happens at all. Nothing. The reply you all got that is nothing and I am not sure how this work.. I am beening robbed and have been scammed. They company was not going to deliver the services at first. Until I took him to court. He attempted to do so work, XXXX XXXX XXXX XXXX to satifiy Sunlight Contract. But XXXX and Sunlight was looking for me to cancel the contract. After frustrating me and not coming out to do the services. They were XXXX after the first payment XXXX attempting to come and do something because I did not cancel. So had had to proform. He did not, have to, proform well for Sunlight Financial to send the XXXX draw unlawfully. 

They did a scam to cover up the scam they are doing on people. Taking XXXX down and making customer mad. In XXXX XXXX you are not to get your money back, if you cancell. He never schedule to come out to proform work. Was a no show and made many excuses. I called Sunlight Fin. Many of time many of times. They never replied never, Just made a case but when XXXX had to do something. They all got creative. 

I won my case with XXXX XXXX XXXX, XXXX approved. 

I need the balance gone of adjusted soon. They are taking from me wrongfully and want stop unless someone press them. I hope this is the right direction to getting my credit corrected I am sending the reply to my case, in the attachment. Sunlight filed the enclosed information. I am still needing the company to correct the balance of the account. I did authorize the first draw which was {$31000.00}. I agreed to repay that to the back Sunlight Fin/XXXX XXXX XXXX XXXX XXXX the XXXX  Draw was unauthorized and it was proven. They took that from me and breach both contracts. The scope of work was not completed or corrected and it was fraud done. 

I need help for the balance and for them not to do this to no one else!!!

Company response to consumer: Closed with explanation