Weird picture in viewfinder

The discoloring problem is quite common, but its hard to tell from your post what?s the degree of the defect.

Unfortunately the LCD screen washing out in bright sunlight is a
problem on many digitals, and also streaking lines coming off bright areas. There are hoods that you can buy for the Nikons that
will fix this problem. I don't have any links to them but they are not
hard to find.

If you think your problem is really too much to absorb, feel it can't possibly be anything normal, or have problems with the actual pictures as they transfer to a computer, I suggest you take it back to the store and say you're not satisfied with the product.

Hope it turns out well.