Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: CA

Complaint narrative:
CFPB, I am submitting this complaint to the Consumer Financial Protection Bureau after months of unrelenting frustration with XXXX XXXX. Since XXXX of this year I have experienced denial after denial from this companyso many that I have lost countand at every stage I have been treated with disregard, silence, and evasion. Each application I filed was honest, accurate, and complete. Each contained verifiable financial information that any fair-minded lender could have evaluated in good faith. Instead, XXXX XXXX has built a system that seems designed to reject people automatically, instantly, and without explanation. These are not ordinary denials ; they are dismissals that happen in seconds, leaving no trace of individualized consideration, no rationale that can be examined, and no respect for the consumers right to understand the basis of a credit decision. I have watched this pattern repeat again and again, even after filing prior CFPB complaints, and the company continues to behave as though the law simply does not apply to it. 

Every interaction with XXXX XXXX has followed the same hollow script. The website invites applications, promising quick decisions and transparency. What actually happens is a denial so rapid that it appears computer-generated, followed by silence or a boilerplate message such as your application did not meet internal criteria. That phrase is the corporate equivalent of a brick wall. It tells me nothing about why I was denied, nothing about what data they used, and nothing about how I might correct an error if one exists. This vagueness is not only unhelpful ; it violates the spirit and the letter of the Equal Credit Opportunity Act and Regulation B, both of which require creditors to provide specific reasons for adverse action. XXXX XXXX has never complied with that duty in my experience. They either fail to send an adverse-action notice at all or send one so generic that it renders the requirement meaningless. Their denials look like they were written by a machine, not a person, and they communicate one message only : that applicants do not deserve answers. 

I have reached out repeatedly for clarification. I have used their online form, emailed their support address, and even replied directly to denial notifications, asking for a real explanation. Not once have I received a meaningful response. The replieswhen they existare copy-and-paste paragraphs offering no human engagement, no accountability, and no willingness to review or reconsider. It is a customer-service faade, a performance designed to appear compliant while ensuring that no consumer ever gets help. This silence adds insult to injury. A legitimate lender would at least review a pattern of repeated denials to see if something had gone wrong. XXXX XXXX simply does not care. 

Over the months since XXXX I have endured measurable harm. The time I have spent applying, re-applying, documenting, and filing complaints could have been devoted to real financial progress. I have lost opportunities to obtain credit from other sources because XXXX XXXX inquiries remain visible on my consumer reports. I have experienced stress and sleepless nights wondering why the company continues to treat me as if my information is worthless. The repeated humiliation of submitting honest applications only to be rejected within seconds has left me anxious, angry, and disillusioned. It is difficult to describe the feeling of powerlessness that comes from dealing with a company that hides behind algorithms and refuses to acknowledge the people it harms. Financial institutions wield enormous influence over consumers lives ; they can open doors or close them. XXXX XXXX has chosen to slam those doors shut and bolt them from the inside. 

The companys behavior also raises questions about how it evaluates applicants. The denials occur so quickly and so uniformly that I believe they are the result of automated decisioning systemsalgorithmic models that may rely on third-party data or proprietary scoring metrics invisible to the public. These systems may be biased, inaccurate, or discriminatory, yet XXXX XXXX offers no transparency about their design or operation. The CFPB has warned lenders about the dangers of black-box credit algorithms that produce disparate impacts. XXXX XXXX exemplifies that danger. Its system acts as judge, jury, and executioner, with no appeal, no human oversight, and no accountability. If my repeated denials stem from such a system, then the company is not only violating ECOAs disclosure rules but also perpetuating algorithmic discrimination that the Bureau must investigate and correct. 

It is particularly alarming that this company continues these practices despite already being aware of my prior CFPB complaints. The record should show that I have been raising these issues for months. XXXX XXXX can not claim ignorance. The fact that it persists anyway demonstrates contempt for regulatory authority. A responsible lender, once notified of a consumer complaint filed with a federal agency, would review its internal processes, ensure compliance, and issue a good-faith response. XXXX XXXX has done none of those things. Its disregard for oversight makes clear that voluntary compliance will never occur ; only direct enforcement will. When a company repeatedly ignores both its customers and the CFPB, it sends a message that consumer protection laws are meaningless. That message must be answered decisively. 

The damage here extends beyond my personal frustration. Every consumer who encounters XXXX XXXX is at risk of the same treatment : false promises of opportunity, instant rejection, and total silence afterward. The companys behavior erodes public trust in the lending industry. It fosters cynicism and fear among people who are already trying to improve their financial stability. I know this firsthand. The repeated denials have made me question my own financial worthiness, even though the issue lies entirely with the companys process. I have felt humiliated explaining to others why a supposedly reputable lender refuses even to evaluate my applications fairly. The emotional toll has been heavyanxiety, sleepless nights, a sense of being trapped in an endless loop of disrespect. No consumer should have to experience that because a lender refuses to follow the law. 

I am asking the Consumer Financial Protection Bureau to intervene in the strongest possible terms. The Bureau should open a full-scale investigation into XXXX XXXX credit-decision process, data sources, and compliance procedures. It should demand disclosure of the algorithms and scoring factors used to evaluate applicants, along with demographic and geographic breakdowns of all denials since the beginning of this year. It should determine whether the companys models have a disparate impact on any group of consumers and whether its adverse-action notices satisfy legal requirements. If they do notand based on my experience they do notthe Bureau should impose civil monetary penalties, mandate corrective measures, and order restitution for all affected applicants. The Bureau should also evaluate whether XXXX XXXX should be allowed to continue operating. A lender that repeatedly disregards the law, ignores regulator communications, and harms consumers on this scale does not deserve to maintain its license. 

I also urge the Bureau to consider public enforcement. XXXX XXXX behavior is not a private misunderstanding ; it is a systemic failure that affects countless applicants. Public enforcement would send a clear message to the industry that opacity, automation, and indifference will not be tolerated. When a company chooses to deny in bulk without transparency, it undermines the very concept of fair credit. XXXX XXXX has chosen that path deliberately. The Bureau should respond with the same deliberateness by imposing sanctions proportionate to the harm done. 

As an individual consumer I have done everything within my power : I have applied honestly, documented my experiences, reached out directly, and filed multiple CFPB complaints. I have followed every channel available to me, and yet XXXX XXXX continues its pattern of neglect and abuse. I should not have to keep repeating myself for the company to acknowledge that something is wrong. At this point, only the Bureaus authority can compel accountability. I respectfully demand that the CFPB require XXXX XXXX to provide a full written explanation for every denial issued to me, to correct any data inaccuracies that contributed to those decisions, and to compensate me and others for the time, stress, and opportunity lost as a result of its unlawful practices. The Bureau should further require the company to establish transparent review procedures and human oversight for all automated decisions, ensuring that no applicant is ever again dismissed by a machine without explanation. 

XXXX XXXX has demonstrated that it will not change voluntarily. Its repeated denials, its silence, and its disregard for both consumers and regulators prove that it considers itself untouchable. That arrogance is precisely what consumer-protection law exists to confront. I ask the CFPB to use every tool at its disposalinvestigation, enforcement, public reporting, fines, restitution, and, if necessary, license revocationto hold this company accountable. XXXX XXXX has turned lending into an exercise in opacity and contempt. The Bureau must turn this case into a demonstration that the rules still matter, that consumers still have a voice, and that companies that refuse to listen will face consequences. 

I submit this complaint in good faith, with the hope that it will finally bring visibility and action to a problem that has persisted for far too long. I am not just filing on my own behalf ; I am speaking for every applicant who has been ignored, every consumer who has been denied without reason, and every person who has been made to feel powerless by a system that should serve them. XXXX XXXX has had months to correct itself. It has chosen not to. Now it is time for the CFPB to step in, investigate, enforce, and ensure that justicereal, tangible justiceis finally delivered.

Company response to consumer: Closed with explanation