Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
On XX/XX/year> I received a voicemail that stated I was going to be served at my home. The caller stated their name was XXXX XXXX and they were calling on behalf of XXXX XXXX. Caller specifically stated I was going to be served and needed two forms of ID. They advised I should call XXXX and reference XXXX. I was told if not at home I would be served at my place of employment through my manager or supervisor. I immediately called and made payment arrangements, as this would create much tension for me to be served at my employers. Since the first call this debt collector has refused to provide any documentation that they are actually allowed to collect on behalf of the company they are representing. On XX/XX/year> I bought a gift card and made a payment of {$150.00}. XX/XX/year> After having paid the initial amount, I decided it would be better to get confirmation they are legitimate and not scam. Whenever I asked for validation, they would advise me to call another company. After making more than 10 calls to the other company and leaving voicemails over several day. Not once was I able to get a response. XX/XX/year> I received a call from XXXX XXXX, stating I was a fraud and make all sorts of allegations. XXXX from XXXX XXXX advised that they can not be held responsible for what one individual at their company does. However, if that staff member is untrained, using abusive and threatening language. Consumers have rights and XXXX took a condescending approach. She even went as far as stating I should not take out loans I do not intend to pay back. This is very demeaning considering that I went through serious financial hardships during Covid-19. Not once was XXXXa calm or respectful. They treated me like a second class citizen, when I am just trying to resolve this issue. When I called the county, I live in, they confirmed this company has not filed a lawsuit against me and it would be illegal to serve me without filing with the county. Everyone I speak to seems focused on getting payment, but they do not provide receipts or agreements. XX/XX/year> I receive another call from XXXX XXXX confirming that they will not validate the debt on their end. After confirming the right number to call which was the same one I had attempted, I still did not get a hold of the party that owns the alleged debt. I have spent hours of my time on hold or speaking to XXXX XXXX who never has answers or can provide anything in writing, whether email or mailed copies that they have authorization to collect the debt. As of XX/XX/year> the funds still show as debited. XXXX XXXX never provided anything in writing. Used scare tactics and false information to obtain funds from me. Never provided a confirmation of the agreement, that states I will be on a pay plan, and the debt will be removed. I am committed to resolving this, but the effort is very asymmetrical and XXXX XXXX seems to be an illegitimate collection company. Their staff could not provide me with a mailing address or website. I have the voicemail of the initial contact and recorded several of my interactions.

Company response to consumer: Closed with explanation