Complaints

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

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• 

  Sun Loan Company

  254 Spencer Ln San Antonio, TX 78201

• 

  Sun Loan Company

  3800 S New Braunfels Ave Ste 5 San Antonio, TX 78223

• 

  Sun Loan Company

  407 N Zarzamora St Ste 1 San Antonio, TX 78207

• 

  Sun Loan Company

  1411 Hidalgo St Laredo, TX 78040

• 

  Sun Loan Company

  6501 S Congress Ave Ste 2–206 Austin, TX 78745

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.

• Initial Complaint

  Date:03/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 was contacted by this H3**03**5393030353932H and was asked to speak to *************************************, I told them it wasn't me and proceeded to tell them its fraud and to freeze the account and they refused and told me to send in documents and after I sent them, they told me I need a police report. *** made a police report with Officer ****** #**** at the *************************** and he's given me a police report #**-9673 but I'm still waiting for my report to send. This person opened up 2+ accounts in my credit using my information in *******, **. I want this account deleted and deleted from my credit reports!Name of the service involved: Unsecured Loan/Individual Creditor type: Personal Loan companies/Miscellaneous Finance Contract Signed by fraud individual in ******* **.The dollar amount in dispute: $1288 The Date of the transaction: 11/01/2022 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C 1**** section 604 A section 2: It states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt may not communicate with a consumer in connection with the collection of any debt.

  Business Response

  Date: 03/20/2023

  see attached response

• Initial Complaint

  Date:02/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 a dispute with Sun Loan. I previously had borrowed money from Sun Loan and I paid it off early with no Finance charges. The loan I have attached is the second load I have borrow from SunLoan. At the time I borrowed , the teller told me I could pay it off early and reduce the finance charges, as I did with my previous loan. When I went to pay this loan off early the same teller told me she never said that, and I had to pay the entire balance. The teller also told me Sun Loan doesn't let customers pay off early. On the loan agreement is states I can pay off early and it will reduce the finance charges.

  Business Response

  Date: 03/02/2023

  see attached response

• Initial Complaint

  Date:01/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 took a loan on 7-5-22 account no.221292-87518 from ****** to ****** total of ****** at ******% finance was 246.27,financed ****** total of payment of payments of ****** monthly as of 8/5/2022 for 7 payments They never said if I pay it early off I would not have to pay the 7 payment amount.I refine my account in December for ******,I went in to ask for the ****** check they sent in the mail,I was told he can get me ****** I felt it won't take that loan off I went in first payment of ****** and was told that I refinanced for the ****** and ****** I just finance was ******** was added to come up with the ******** I was shock because instead of paying 707. I 3 or just the interest on the ****** he added the difference of the previous payment that I thought would have been less he said it would be ****** and some dollars to pay on January 3rd 2023 to pay off then he printed out a slip for ******* mince my ****** Balance went from 410 to a ******* financed I would like this looked into it does not cost that much finance on ****** to pay them back now I'm locked into 7 payment and the pay off is higher than I thought he never went over the paper work because he was taken calls and helping the employees with there loans I would like to resolve this matter and correct how they explain there loans and the interest rate is not adding to what you expect to pay off the loan each loan was small Im complaining there practice on how there luring customer to take out loans that are not what they say.I would like have you look into my case as soon as you can.

  Business Response

  Date: 01/30/2023

  On July 5,2022, **************** refinanced her loan for $749 at the Sun Loan ************, ** office, which called for a total payback of $107 a month for 7 months. Four payments were received and the payoff balance on the loan was $297 on December 2, 2022, when she made the decision to refinance the loan thereby including the payoff balance of $297 into the new loan. She received $410.73 upfront in cash for the new loan and the precomputed interest charges were $390.27 bringing the total loan balance to $1,098. The refinance loan terms are $122 per month for 9 months. The District Manager discussed the loan closing with the Branch Manager and confirmed that he did follow the Sun Loan Operations procedures. The District Manager reviewed the loan contract with **************** in depth and she understood but was still concerned that we emphasize that the loan can be paid back early without any penalties. She appreciated the District Manager for taking the time to explain it in detail to her. If **************** has any questions, she can contact Sun Loan at **************.
  

  Customer Answer

  Date: 02/02/2023

  Complaint: 18839635
  
  I am rejecting this response because:
  
  Regards,
  
  *************************

• Initial Complaint

  Date:01/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 complaint is about the Sun Loan location **** ***********. #2 78221.I have an outstanding loan and have been unable to make payments and now I have received a call threatening to send an officer to my home and place of employment also they contacted my ex husband whom I haven't spoken to in over 10 years. The lady there is absolutely unprofessional.

  Business Response

  Date: 02/03/2023

  see attached response
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:01/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 aware of this account. I have reached out to 3 Credit Bureaus and SUN LOAN ************** to have this account removed from my file and they are continue to said the same excuse, which should no longer acceptable. Regardless of all actions done on my end, there was no action from 3 Credit Bureaus. Thus, I am reaching out to seek assistance to have SUN LOAN confirm that I have no account with them and that the 3 Credit Bureaus can simply remove it from my credit report.

  Business Response

  Date: 01/20/2023

  On June 17, 2016, ****************** took out a loan for $750 at the Sun Loan office located in *******, **, which called for a total payback of $75 a month for 10 months.The July payment was received July 1, 2016. The August payment was not received until October 21, 2016, a $10.00 late fee was assessed, and the remainder was applied towards the August payment, leaving $20 outstanding for August. On February 10, 2017, ****************** made a $300 payment, $40 was charged to late fees, $20 was applied towards the August payment, September, October, November were paid in full and the remaining $15 was applied towards the December payment, leaving $60 outstanding for December. No other payments were received,and the account was written off June 30, 2017. Between September 2016 - April 2017, ****************** maintained contact with the Sun Loan office, explaining her financial situation to them and making numerous promises to make payments. Her employer was contacted regarding garnishing her wages, but no payments were received because she was no longer employed. We have reviewed the account and determined it does belong to ****************** and we have included a copy of the signed contract, application and identification. Therefore, we are unable to remove it from her credit report as she has requested. Regarding the credit bureaus ****************** refers to in her complaint, we have no affiliation with them, and she would need to contact them directly. If ****************** has any questions,she can contact Sun Loan at **************.
  

• Initial Complaint

  Date:01/04/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 filed my income tax 2021 for 2020 at sunloan with ***********************, i then went back the next year being 2022 for 2021 taxes to file with the same person ***********************. I am recently trying to buy a home and downloaded my tax return for the last two years of the irs id me website, and it turns out that last year was not filed correctly by the company. it is showing the yr for the past two but with different amounts, i called sunloan company to get copys of my tax returns but they are now saying that i did not even file last year that i only went in for an estimate and signed off for that. when in fact i did file and i even filed with the same lady *********************** for both of those years, the manager is also the same manger that was there last year. and i think they took my information and did something illegal with it. i am now having a very hard time trying to get a home beacuse they are **** self employment forms. the lady that did it for even on the same also filed that i had received my stimulus and on the irs website it shows that but nothing so they had to of done something with it and are now denying to cover there tracks. i payed them $75 to file and i received only one stimulus.

  Business Response

  Date: 01/19/2023

  On September 14, 2021, **************** had his 2020 tax return processed at the Sun Loan, *******, ** office. The office processed his 2020 tax return for a total charge of $275.85, which was deducted from his Federal Tax refund.  On March 28, 2022, *************** requested an estimate for his 2021 tax return from the Sun Loan,*******, ** office. **************** did not return to the Sun Loan office with the self- employment documents needed to complete the return. He was not charged for the estimate and the District Manager confirmed that the Sun Loan office did not file his 2021 Federal Tax return. She confirmed that ****************** tax information is secure and nothing illegal has occurred as **************** stated in his complaint. The District Manager reached out to **************** but he stated that he was in the process of getting the issue fixed with the Better Business Bureau and refused to discuss the complaint with her.  He did state that he had not received his 2020 Federal Tax refund because the *** withheld it to pay his back the balance owed on his 2007 Federal Tax return. He refused to discuss the complaint further and hung up.  If **************** has any questions, he can contact Sun Loan at ************.

• Initial Complaint

  Date:12/27/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 liable for this debt with Sun Loan Partnership and do not have a contract with Sun Loan. They did not provide me with the original application like i asked.

  Business Response

  Date: 01/05/2023

  On January 4, 2022, ************** took out a loan for $269 at the Sun Loan  *****, ** office, which called for a total payback of $45 a month for 6 months. Three payments were received, and the loan was charged off on September 30, 2022.
  Two indirect disputes were received and responded to within ********************************************************************************************** the complaint.  We cannot delete the tradeline as ************** has requested as that would be incorrect credit reporting.  We have included a copy of the original signed contract and application.  If ************** has any questions, he can contact Sun Loan Company at ************.
  
  

• Initial Complaint

  Date:11/17/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 liable for this debt with Sun Loan company, they have failed to send me the application letter I requested. I demand this be removed from my credit report.

  Business Response

  Date: 11/23/2022

  On December 21, 2015, ******************** took out a loan for $259 at the Sun Loan ******, ** office, which called for a total payback of $43 a month for 6 months. No payments were received, and the account was written off on May 31, 2016.
  
  On January 19, 2016, ******************** telephoned the Sun Loan office, and made a promise to make a payment on January 20, 2015, but no payment was received.
  
  Regarding the request for a copy of the application letter ******************** references in his complaint, we have not received any correspondence from him. On September 19,2020, we received an indirect dispute from *********** disputing the date of first delinquency, account status, compliance condition code, special comment code, and date closed. We reviewed the account information and responded to the dispute on October 6, 2020.
  
  As far as ******************* not being liable for the debt, we have included a copy of the signed application, loan contract, identification card, personal references, and check stubs he provided when he took out the loan.
  
  We have reviewed all three credit reports and found that Experian is not reporting any data and Equifax and *********** are both reporting correctly as charged off status. It would be incorrect for us to delete the tradeline as ******************** has requested.
  
  If ******************** has any questions, he can contact Sun Loan at ************.
  
  
  
  
  
  

• Initial Complaint

  Date:11/02/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 asked this company to removed my number from their list multiple times and they have failed to do so. I told them specifically do not call me and they still do. I do not have an account with this company and am not responsible for any balance with this company.

  Business Response

  Date: 11/08/2022

  On November 2, 2022, we received a complaint from *****************************, the daughter of our customer, Mr. ************************* located at the Sun Loan Company, ***********, ** office. On August 17, 2021, ******************** listed **************** as a personal reference on his application along with her ***** number.  Ms. ******* complaint states that she has requested the Sun Loan office remove her ***** number from the account and discontinue calling her.  She says that the Sun Loan office has continued to contact her after she requested to be removed from the account.  The District Manager has investigated and confirmed with the Branch Manager, that Ms.******* ***** number has been removed from the personal references on Mr.********* ************** We apologize for any inconvenience and **************** can contact Sun Loan Company at ************** if she has any questions.

• Initial Complaint

  Date:09/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On August 4, 2022 I paid sun loan my payment of 178 they charged me **** for payment over the phone but without my consent they took 20 dollars for supposedly late payment without letting me know, I then gave a payment on August 25, 2022 for another 178 with the **** fee and they took 10 for supposedly another late fee without letting me know. Now they are saying I still owe $30 on late fees. They take money out of the payment without letting the customers know and leave them with a balance so they can charge a late fee. I spoke to ****** the store manager and she would not let me speak and did not give me an explanation. Can you please help.

  Business Response

  Date: 09/12/2022

  Attached is the response along with copies of the loan contract, loan application and ID card.