Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: CA

Complaint narrative:
Forensic Breakdown of Falsehoods and Misconduct XXXX. The Primary Falsehood : The Fabricated XX/XX/XXXX Application This is the most egregious lie, a provable falsehood submitted to a federal agency. 
Sunshine Loans ' Claim : In the response dated XX/XX/year>, XXXX XXXX states : " On XX/XX/year>, when you applied for another loan, you completed and submitted the entire application including the necessary supporting document ( your bank statement ) for us to underwrite the application. The underwriting process was properly completed ... ''. [ XXXX ] The Truth : This is a fabrication. I began an application on XX/XX/XXXX to update my income information but deliberately paused the process to wait for a new bank statement. The application was never completed or submitted. [ XXXX, XXXX ] Less than XXXX hours after I paused, the company 's system automatically denied the incomplete application. [ XXXX ] The Evidence : My contemporaneous email, sent at XXXX AM on XX/XX/year>, in direct response to their denial notice, serves as irrefutable proof. I stated, " WOW, you guys are on a roll, I didn't even finish the application. ". [ XXXX ] This proves no application was " completed, '' no " supporting document '' was submitted, and no " proper '' underwriting could have occurred. [ XXXX, XXXX ] This lie was constructed to conceal another systemic failurethe auto-denial of an incomplete applicationand to obstruct the CFPB 's investigation. [ XXXX ] XXXX. The Lie About " Immediate '' Action on the Defective XXXX The company attempts to portray itself as responsive, a claim directly contradicted by the facts. 
XXXX XXXX ' Claim : The response asserts, " ... when you emailed us inquiring about the XXXX link and why the XXXX was denied, we immediately sent you an email with a copy of the XXXX attached. ". [ XXXX ] The Truth : The company did not act " immediately. '' I first notified them of the broken Notice of Adverse Action ( XXXX ) link at XXXX XXXX  on XX/XX/XXXX and had to follow up again at XXXX XXXX  on XX/XX/XXXX. [ XXXX ] The company 's customer service agents were evasive, ignored the question, and then deflected responsibility by asking me to provide a screenshot of their broken link. [ XXXX ] The Evidence : The legally required XXXX was only provided as a XXXX  at XXXX XXXX  on XX/XX/XXXX, nearly XXXX hours after my first request, and only after I was forced to repeatedly demand it. [ XXXX ] This is a clear violation of the Equal Credit Opportunity Act 's requirement for timely and accessible notice. [ XXXX ] XXXX. The Gross Minimization of Systemic Failures The company dismisses a catastrophic breakdown of its core business functions as a minor technical glitch. 
XXXX XXXX ' Claim : They attribute the flood of erroneous emails to a simple " technology communication issue between the XXXX systems which we are addressing. ". [ XXXX ] The Truth : This was not a single " issue. '' It was a cascade of failures across at least XXXX distinct, unsynchronized systems : payment processing, automated notifications, and receipt-generation. [ XXXX ] The Evidence : These broken systems produced a stream of false and contradictory information, including : A payment receipt that falsely claimed a remaining balance of {$110.00} just XXXX minute after I paid the loan in full. [ XXXX ] A false " XXXX XXXX '' notice sent more than XXXX hours after the loan was fully paid. [ XXXX ] Premature marketing emails congratulating me on repayment before the loan was even due. [ XXXX ] Significance : Framing this as a minor " issue '' is a deceptive practice under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) framework, showing a refusal to acknowledge the severity of their operational incompetence and the direct harm it caused. [ XXXX ] XXXX. The Absurd Claim of " Timely and Transparent Communication '' Sunshine Loans ' Claim : " ... we are committed to timely and transparent communication with our clients which we believe was fulfilled in the various email exchanges with our customer service team. ". [ XXXX ] The Truth : The communication was the antithesis of timely and transparent. It was characterized by obstruction, evasion, and deception. [ XXXX, XXXX ] The email exchanges are not evidence of their transparency ; they are the primary evidence of its failure, documenting my protracted struggle to extract basic, legally mandated information from a company that was actively obstructing me at every turn. [ XXXX ]

Company response to consumer: Closed with explanation