Personal, payday and title loans
Sunlight Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 33
- Closed with money back
- 0
- 2023 to 2025
- 8 to 20
Sunlight Financial received 174 complaints from everyone in the window; 33 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Problem with additional add-on products or services". 0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 8 in 2023 to 20 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 15 |
| Debt collection | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Payday loan, title loan, or personal loan | 4 |
| Checking or savings account | 1 |
By issue
| Problem with additional add-on products or services | 6 |
| Attempts to collect debt not owed | 4 |
| Problem with the payoff process at the end of the loan | 4 |
| Charged fees or interest you didn't expect | 3 |
| Problem with a company's investigation into an existing problem | 3 |
| 2023: 8 | 2024: 5 | 2025: 20 |
Which accounts, specifically
| Installment loan | 20 |
| Credit reporting | 5 |
| Other debt | 4 |
| Personal line of credit | 3 |
| I do not know | 3 |
What went wrong, specifically
| Debt is not yours | 5 |
| Threatened or suggested your credit would be damaged | 2 |
| Difficulty submitting a dispute or getting information about a dispute over the phone | 2 |
| Transaction was not authorized | 1 |
| Debt was paid | 1 |
Busiest month: December 2025, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from CA (12), FL (3), NC (3) , then TX, MN, OH.
How Sunlight Financial answered
| Closed with explanation | 33 |
Sunlight Financial responded within the CFPB's 15-day window on 94% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (10). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Trouble during payment process. FL, 2024-07-15. Outcome: Closed with explanation. Complaint 9506220
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Debt collection; False statements or representation. FL, 2024-04-23. Outcome: Closed with explanation. Complaint 8838050
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Payday loan, title loan, personal loan, or advance loan; Problem with a company's investigation into an existing problem. OH, 2023-11-09. Outcome: Closed with explanation. Complaint 7825120
If this is your problem at Sunlight Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Duvera Billing Services 33 servicemember complaints; 0 with money back
- Bankers Healthcare 30 servicemember complaints; 0 with money back
- Skopos Financial 28 servicemember complaints; 0 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
- Harpeth Financial Services 25 servicemember complaints; 0 with money back
Next in the directory by volume: Tesla, Winklevoss Exchange, Guaranteed Rate.
Frequently asked questions
How many complaints did servicemembers file against Sunlight Financial?
33 complaints tagged servicemember were received by the CFPB about Sunlight Financial LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 8 in 2023 to 20 in 2025.
What do servicemembers complain about most at Sunlight Financial?
Payday loan, title loan, personal loan, or advance loan accounts for 15 of the 33 complaints, and the most common issue is "Problem with additional add-on products or services" (6). Next: "Attempts to collect debt not owed" (4).
Does Sunlight Financial give money back when a servicemember complains?
0 of the 33 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 33 closed with an explanation only. Sunlight Financial answered 94% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.