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Business Profile

Consumer Finance Companies

Sun Loan Company

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

This profile includes complaints for Sun Loan Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 55 total complaints in the last 3 years.
    • 19 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/17/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

      Business Response

      Date: 07/25/2025

      On December 2, 2021, Mr. ******* cashed a Live Check offer in the amount of $706.67 at the Sun Loan, *******, ** office which called for a total payback of $106 per month for 10 months.
      No payments were received, and the loan was charged off on May 31, 2022, for non-payment.
      The Loan Agreement was included along with the Live Check offer received by *********** As stated in the Loan Agreement, Sun Loan reports account information to the credit bureaus. This includes information such as late payments, missed payments, or other defaults on the account, as stipulated by the Agreement. We have included a copy of the Agreement with our response.and a copy of Mr. ******** endorsed Live Check with our response.
      We have reviewed the Sun Loan credit reporting and found that ******* and Experian are not reporting any account information and ********** is reporting Mr.******** loan correctly as charged off. As such, it would be incorrect for us to remove the account from Mr. ******** credit report as he has requested.
      If Mr. ******* has any questions or if he would like to settle the account, he may contact Sun Loan corporate office and request to speak with ***** *****,Compliance Manager.

    • Initial Complaint

      Date:07/12/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My husband ******* ***** has an account with ********************** and I was listed as reference on his account. They have been harassing me by blocking their number when they call me. I have received calls and voicemails from them on 6/26/25 and 7/11/25. My husband has received multiple calls where the number was blocked. They are harassing us with repeated blocked calls and this is against the Debt Collection Practices act (FDCPA) .

      Business Response

      Date: 07/16/2025

      On March 31, 2025, Mrs. ***** husband ******* ***** took out a loan for $2,125.99 at the Sun Loan, **********, ** office which called for a total payback of $193.30 per month for 11 months.
      Mr. ***** first payment was due on May 1, 2025, but no payment was received.
      To date, no payments have been received, and Mr. ************ is two months past due.
      Although multiple attempts to reach Mr. ***** have been made, the branch has been unable to speak with him directly.
      The branch has contacted Mrs. ***** and other references only in an attempt to locate Mr. ******
      After researching the number of calls made, we do not find the number of calls made to Mrs. ***** to be excessive; however, making calls from blocked numbers is against Sun Loan company policy and this has been addressed by the District Manager of Sun Loan in **********, **.
      We have also marked Mrs. ***** as Do Not Contact on ******* ***** account and she will not receive further communication regarding ********************************* would like to discuss payment arrangements, he contact Sun Loan corporate by calling ************ and request to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:07/07/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

      Business Response

      Date: 07/16/2025

      On July 20, 2023, Ms. ***** took out a loan for $1,350.00 at the Sun Loan, *******, ** office which called for a total payback of $135 per month for 10 months. No payments were received, and the loan was charged off on December 30, 2023, for non-payment.
      On July 20, 2023, Ms. ***** signed her loan contract electronically, which provides a Credit Reporting Disclosure stating that Sun Loan may report information such as late payments, missed payments, or other defaults on Ms. ***** account to the credit bureaus. We have provided a copy of Ms. ***** original signed contract with our response.
      We have reviewed the Sun Loan credit reporting, and found that ******* credit data has been suppressed and ********** is not reporting any information. Experian is reporting Ms. ***** loan correctly as charged off. As such, it would be incorrect for us to remove the account from ******** credit report as she has requested.
      If Ms. ***** has any questions or if she would like to settle the account, she may contact Sun Loan corporate office and request to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:06/16/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm submitting this formal complaint regarding an account being reported by Sun Loan, account number *******, opened on 08/01/2023, with a balance of $843.00, currently showing on my Equifax credit report. I have made multiple attempts to have this account properly verified, and to date, I have received no documentation or explanation substantiating its accuracy. This is unacceptable, as it directly violates my rights under the Fair Credit Reporting Act (FCRA).According to 15 U.S.C. 1681i(a)(1)(A), consumers have the right to a reasonable reinvestigation of any disputed item on their credit file. Furthermore, under 15 U.S.C. 1681i(a)(5), any item that cannot be fully verified must be deleted. So far, ******* has failed to meet this obligation in regard to this Sun Loan account. I have not been provided with any original documents, signed agreements, or detailed account records that would legally justify the continued reporting of this charge.Moreover, recent findings by the ************************************ (****) have highlighted systemic failures by ******* to conduct real investigations into consumer disputes, often relying on automated responses and unverifiable third-party data. That has been my experience as well. Ive been left to chase vague explanations without receiving anything concrete that proves this account is legitimate or that I am even responsible for it.This account continues to impair my creditworthiness and has had real-world consequencesfrom loan denials to higher interest rates. Unless Sun Loan and ******* can produce clear, original evidence supporting this accounts validity, I am demanding its immediate removal. If no action is taken, I will escalate this matter to the ***, ****, and other regulatory agencies, and I am prepared to pursue all remedies under 15 U.S.C. 1681n for willful noncompliance with federal law.

      Business Response

      Date: 06/26/2025

      On January 31, 2024 *** ****** took out a loan for $640.00 at the Sun Loan *******, ********** which called for a total payback of $80.00 per month for eight months. Although multiple attempts to reach *** ****** were made by the branch, no payments were received and the loan charged off on August 4, 2024. We have provided a copy of the original application, signed contract, and a copy of the payment history along with or response. Included are copies of *** ******* identification card, IRS Form W-2 and a paystub, all supplied at the time of loan origination.
      To date, we have received three disputes from ******* and each dispute has been reasonably investigated and responded to in the time frame allowed by the Fair Credit Reporting Act (FCRA). In each instance, it was determined that the disputed information was accurate and account information unrelated to the dispute was updated accordingly.
      We have also reviewed the reporting of *** ******* loan and found that ********** and Experian are not reporting any credit data and Equifax is correctly reporting the loan in a charge off status.
      If *** ****** has any questions or if she would like to settle her account, she can contact Sun Loan **************** by calling ************ and request to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:06/13/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I called to file a complaint above my account being double charged and that because of this issue my bank has put me in the negative funds because of their mistake. I called and spoke to a manager at sun loans and explained that I already had made a advance payment but she told me I could not get a refund due to their policy I asked if that was the law and said no its only their policy. Ive been doing business with them for over a year and never missed a payment but because their policy states weather or not you make a payment in advance ! I was lied to any a double charge occurred! I tried to resolve it by telling them I have my invoice showing double payment but with no regards to being on dial ability this coming refusal to return my double payments show that they are inconsiderate for people with mental illness!

      Business Response

      Date: 07/07/2025

      On October 5, 2024, Mr. ************ took out a loan for $1,805.99 at the Sun Loan branch in ************ **, which called for a total payback of $138.95 for 13 months. To date, Mr. ****** has made all contractual payments. On May 13, 2025,Mr. ****** contacted the Sun Loan *********************** to make his scheduled payment and at the time setup for a one-time *** payment for his monthly payment due June 12, 2025.
      Mr. ****** made an online payment on June 6, 2025, in the amount of $138.95. On June 9, 2025, and again on June 12, 2025, Mr. ****** was sent a reminder email regarding his upcoming *** withdrawal, scheduled for June 12, 2025. The reminder notification advised Mr. ****** to contact Sun Loan if he had questions or if needed to stop the *** withdrawal. Neither the Sun Loan branch office nor the Sun Loan *********************** received any communication from Mr. ****** to request the cancellation of the upcoming withdrawal.
      On June 13, 2025, Mr. ****** contacted the Sun Loan *********************** regarding the *** withdrawal dated June 12, 2025. The District Manager spoke to him and was advised that the *** withdrawal occurred because he did not request the cancellation of the withdrawal. He was further advised that due to policy, the payment could not be reversed by the *********************** and Mr. ****** was directed to contact the branch office directly. The Sun Loan San ******* ****** Manager reached out to Mr. ****** to rectify the situation and offered to reverse the *** payment. Mr. ****** refused the request and instead asked to speak with the Supervisor for the Sun Loan ***********************. The Supervisor of the Sun Loan *********************** Director made multiple attempts to reach Mr. ****** to rectify the situation,but he has been unable to reach Mr. ******* and the voicemail of Mr. ****** is full and unable to accept messages.
      As a goodwill gesture, the June 25, 2025 duplicate payment was reversed and the funds will be refunded to the account from which the payment was originally drafted. Mr. ******* loan balance is $694.39, and his next payment is due July 5, 2025. If Mr. ****** has any questions, he can contact Sun Loan **************** by calling ************ and request to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:05/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company is sending out Checks with my name on it ready to be cashed either by bank or mobile deposit and it is effectively a loan although I never once applied . I called the local office at ************ and was informed I may be receiving these because I signed up for it and that I could just rip it up I was informed that yes these are real checks and that they are ready to be cashed and a bank shouldnt allow someone else to cash it they said . This is ridiculously outrageous

      Business Response

      Date: 07/03/2025

      Mr. ******* received a Live Check offer dated May 27, ******* Mr. ******** complaint, he explains that he did not request a loan with Sun Loan. The Live Check offer Mr. ******* received was a prescreened offer, as noted at the bottom of the check.

      Live Checks are firm offers of credit that are mailed to potential customers whose credit profiles meet specific criteria. Their information is provided to Sun Loan by the **************; in this case the information was provided by **********. Each ************* does provide its customers with the option to Opt-Out from receiving prescreened offers of credit. On the back of the Live Check offer is a PREESCREEN & OPT-OUT NOTICE for customers who wish to opt out of prescreened offers. A toll-free number is also provided on the front of the offer.

      We have removed Mr. ******* from our Live Check mail list and he will receive no further prescreened offers from Sun Loan. If Mr. ******* has any questions, he may contact Sun Loan **************** by calling ************ and request to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:05/30/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not accountable for the debt associated with SUN LOAN COMPANY. There is no contract between me and SUN LOAN COMPANY, and they have not provided the original agreement as requested.

      Business Response

      Date: 06/11/2025

      On April 15, 2025 Ms. **** took out a loan for $5,371.33 at the Sun Loan branch office in ******, **, which called for a total payback of $191.84 per month for 28 months. No payments have been received to date. ******* has made several promised to make a payment, but none have been received.
      Ms. **** states that there is no contract between herself and Sun Loan and that we have failed to provide the original agreement as requested. We have not received any prior requests for validation or documentation. We have provided a copy of the application, signed contract, identification,and audit trail showing she viewed and signed the contract along with our response.
      We have reviewed the Sun Loan credit reporting of Ms. ***** loan with Equifax, Experian, and ********** and find that the account is correctly being reported as current, and it would be inaccurate to delete the information as Ms. **** has requested.
      If Ms. **** has any questions she may contact Sun Loan corporate office at ************ and ask to speak with ***** *****, Compliance Manager.

    • Initial Complaint

      Date:05/17/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a notice that I have a collection from Sun Loan on my credit report. It says it was opened on 2/29/2020 for $2,702 with account number starting in 1**** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and *****.

      Business Response

      Date: 05/27/2025

      On February 29, 2020 Mr. ****** took out a loan for $1,780.99 at the Sun Loan branch office in *******, **, which called for a total payback of $137.00 per month for 13 months. Over the course of the loan,Sun Loan communicated with Mr. ****** on multiple occasions, but ultimately only two payments were received prior to the loan being charged off on October 31, 2020. We have included copies of the signed contract and identification with our response.
      Because the address provided at the time Mr. ******* loan was made matches the address provided in Mr. ******* complaint, we have no reason to believe that any notices mailed to him by the Sun Loan branch were not received.
      Between September 15, 2021, and December 19, 2024, Mr.****** has submitted a total of 17 disputes to Experian, Equifax, and **********, claiming fraud in only three of those disputes. Several of ********** disputes directly to the credit bureaus during this time did contain documentation which was reviewed during the investigation of each dispute submitted. Each dispute was responded to accordingly and within the timeframe provided by the Fair Credit Reporting Act (FCRA).
      We have reviewed the reporting of Mr. ******* loan to *******, ********, and ********** and find that the loan is being reported correctly as a charge off. We believe that the loan does belong to Mr. ****** and therefore it would be incorrect to delete the information as Mr. ****** has requested.
      If Mr. ****** has any questions or if he would like to settle the account, he may contact the Sun Loan corporate office at ************* and ask to speak with ***** *****, Compliance Manager. If Mr. ****** would like to request and submit a copy of our Fraud Affidavit, he may contact us directly by emailing *********************** or by mailing his request to **************************************************.

    • Initial Complaint

      Date:04/15/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been a customer with you ********************** for years I've always paid off my loans and now this one time when I was not understanding of the the contraat, they are giving me a problem of reversing it, this is the issue ,I did refinance my loan just a couple of days ago my previous balance was $4,827.01 they gave me back $62 added an additional making my new balance of$5,605.56 a difference of ******. Once I actually seen what was going on I went in the office I'm trying to explain to the ladies in the ********* office this was a mistake *** did not understand even his wife did not understand it and this needs to be taken care of because they don't explain especially to a disabled person so this needs to be taken care of if you can please call me back at ************ My email is ******************* can you please call me back ASAP WE JUST WANT TO REVERSE IT GIVE YOU BACK THE $62 AND LEAVE IT THE WAY IT WAS OUR BALANCE BEFORE THIS WAS $4,827 AND 1 CENT IT'S RIDICULOUS AND STUPID TO GET $62 AND HAVE YOU GUYS UP MY BALANCE TO $5,605. OR I COULD FILE A SMALL CLAIMS IN THE COURTS THE JUDGE IS GOING TO LOOK AT THIS AND SAY THIS IS SO RIDICULOUS YOU SHOULD HAVE TOOK CARE OF IT AT THE OFFICE PLEASE DON'T LET ME GO THAT ROUTE I'VE BEEN A CUSTOMER WITH YOU GUYS FOR A LONG TIME AND I'VE PAID OFF MY LOANS AND I'VE GOT LOANS OVER AND OVER

      Business Response

      Date: 04/24/2025

      On April 14, 2025, Mr. ******** applied for a refinance of his loan at a higher amount with the Sun Loan branch in *********, **. This increase called for a total payback of $155.71 for 36 months. With this refinance, Mr. ******** received $66.62 in cash. Upon approval of the increase,Mr. ******** was provided a copy of the contract which he signed. The contract provided the terms of the loan, including the amount financed, all applicable fees, monthly payment and duration of the loan.
      According to notes in Mr. ********* account, he did not express concern until later on April 14, 2025 after the branch office had closed. He was advised to return on April 15, 2025 during normal business hours. On April 15, 2025, Mr. ********* spouse contacted the branch and requested that Mr. ********* loan be reversed. Mr. ******** personally came into the branch on April 15, 2025 at which time he was advised that approval to reverse the loan, would have to be given by the Regional Manager, per Sun Loan Company Policy. On April 16, 2025, after review of the account by the Regional Manager, it was decided to reverse the refinance and Mr. ******** returned to the branch to complete the reversal in person.
      The District Manager reviewed the Sun Loan Operations procedures with the Branch staff and confirmed the proper procedures were followed at the time of the refinance.
      At this time, Mr. ********* loan has been reversed back to his previous loan amount and terms. If Mr. ******** has any questions, he may contact Sun Loan **************** by calling ************ and request to speak with ***** *****, Compliance Manager. 

    • Initial Complaint

      Date:03/25/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I did not apply for a loan. I got the email about my payment plan I am not sure if this is the company or someone who stole my identity. The loan company is not answering my calls and do not call me back

      Business Response

      Date: 03/28/2025

      see attached response

    Sun Loan Company is NOT a BBB Accredited Business.

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