Product: Debt collection

CFPB Closed this case without my feedback. 

XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This involves the financing company ( LoanPal ), a defaulted contract ( XXXX XXXX ) and 2 people already facing charges for contracting without a license ( DBPR-Florida ) XXXX My Contract with XXXX XXXX  is voidable becuase they did not provide the generator that was part of the financing and when I got DBPR involved, they closed up shop and disappeared leaving me with a solar system that the battery needs upgraded AND the 20 year warranty. When LoanPal ( previously GoodLeap ) was told that the contract was voidable and payments would not be made until the fulfillment of contract or the voidance in court, they remotely shut off my Solar System. They continue to harass for payments, I offered for them to come and get their system but they did not like my conditions : hiring licensed contractors, pulling permits, and replacing the roof to original condition. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE We are currently conducting research in order to provide a proper response. 
Company responded XXXX XXXX responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Please note, XXXX operates separately and independently from XXXX Solar. XXXX is the lender for the solar panel purchase ; we are not the seller or the installer. Our records indicate the system was installed by XXXX XXXX on XX/XX/XXXX. After installation, the system is subject to final inspections, then the local electric utility company approves and grants the system and permission to operate ( XXXX ). The system was granted permission to operate ( PTO ) by the local utility company on XX/XX/XXXX. In the loan agreement signed on XX/XX/XXXX it is explained on the page three ( 3 ), the loan start date is the date we funded the loan to the installer for the system purchased. The first payment date is approximately sixty ( 60 ) days after installation, which may be before the system has been granted PTO by the local utility company. Pursuant to the loan agreement, you are obligated to make all payments according to the amortization schedule. To date, the loan is 308 days past due, collections efforts will continue until a representative is able to confirm when the account will be current. To avoid the system being disconnected, XXXX XXXX XXXX contact our Customer Service team for payment assistance options, at XXXX. Upon receipt of this complaint, we escalated these concerns to our XXXX Relations team to reach out to the installer on XXXX XXXX 's behalf. Unfortunately, XXXX has not been able to communicate with XXXX XXXX but will be reaching out to them on XXXX XXXX 's behalf. We will also continue to monitor the situation. In the meantime, the XXXX XXXX XXXX ( XXXX ) with XXXX XXXX, on page three ( 3 ), provides the solar panels and inverters manufacturers warranty information. For further assistance, XXXX XXXX XXXX contact the manufacturer of the solar panels, XXXX XXXX, at XXXX XXXX. They may also visit their website : www.solaredge.com/us/service/support. GoodLeap is unable to determine if a generator was included with the purchase of the solar panels since it was not listed in the HIC with XXXX XXXX. XXXX has confirmed XXXX XXXX occupied an active license during the time of the installation. See attached. We understand any frustration this matter may have caused. For additional assistance, XXXX XXXX XXXX also contact Installer Relations XXXX, XXXX XXXX, at XXXX or via email at XXXX. 
ATTACHMENTS XXXX.pdf ( XXXX KB ) License # XXXX ( XXXX KB ) XXXX response.pdf ( XXXX KB ) LA.pdf ( XXXX MB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Hi Ms.Hoyt, I'm sending you the breakdown of your Solar Project you requested. Your System Price is {$54000.00} You are getting 32 panels at our XXXX XXXX solar panels which makes it a XXXX System at {$40000.00} and a XXXX Generac Generator at {$14000.00}. Your project also includes General Warranties which is a 10 Year Roof Warranty ( Covers only the locations of the roof where the system is installed ), Covers 1 Service Call per year at {$0.00} charge, 30 Year Manufacturer 's Warranty on all Solar Modules/ Panels and 30 Year Warranty on Inverters. If you have any questions please feel free to call me or email me. -- Thank you, XXXX XXXX Account XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Their words are too technical. They did not provide a copy of page XXXX to where I can call to get solar turned back on. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS It is still unresolved. 
What happens now? 
The complaint process is complete and your complaint is now closed. 

We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. 
Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. 
We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. 
We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. 

Closed The CFPB has closed your complaint.