Consumer complaint received 2022-10-05
Company: Sunlight Financial LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir / Madam, This is a formal complaint against XXXX XXXX XXXX XXXX XXXX and its business and financial affiliates and our intent to terminate our solar agreement ( see attached ). This may or may not be the proper way to dispute this, but at this point I will try anything to get my voice heard. The email chain below is just a short version of actual events as I know your time is valuable. 

To present day we are still paying ( on loan to Sunlight Financial ) for a solar product that is defective and when it was operable it was not performing to the caliber we were cross-sold. The only company that is addressing us is XXXX and /or subcontractors of XXXX with regards to the defective snaps that XXXX XXXX was fully aware of when contracting the install. 

We hope this communication will push a movement towards investigating this company, its business affiliates, and their poor business practices in hopes for justice. We invite and welcome any insight and responses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P : ( XXXX ) XXXX XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX Cc : XXXX, XXXX Subject : Dispute / Fraud : XXXX XXXX XXXX, Id like to start off being cordial, but the fact of the matter is, theres a lot of customers in this solar journey that are being taken advantage of and Id like to be acknowledged with my valid concern. 

Let this be on record : Next month marks 1year since committing to this solar project journey and my panels have only produced energy from? XXXX? What good is a promissory note, If the product and service you bought is no good? 

- XX/XX/XXXX - Signed contract with XXXX - XXXX - XX/XX/XXXX- We the client facilitated the progression of our solar project with emails, text messages and phone calls. 

- XX/XX/XXXX twenty-five panels installed ( full sun ). 

- XXXX - XX/XX/XXXX- We the client facilitated the progression of our solar project with emails, text messages and phone calls. 

-? XX/XX/XXXX? started paying loan on panels, even though we were not actively producing energy thats a whole other issue. 

- XX/XX/XXXX passed inspection, panels were producing energy. 

- XX/XX/XXXX received my XXXX bill for service from XX/XX/XXXX to XX/XX/XXXX and it was was high called XXXX during business hours on Monday XX/XX/XXXX and was informed my panels werent producing but minimally. 

- XX/XX/XXXX email received from XXXX XXXX indicating they were parting ways with XXXX due to a firmware / snap defect issue but did not see this email until XX/XX/XXXX and after I spoke with XXXX. ( Love that a company can just drop a partner when things go bad ) - XX/XX/XXXX called XXXX XXXX to see what was needed to get solar panels fixed, and they scheduled me a service appointment for XX/XX/XXXX. 

- XX/XX/XXXX emailed XXXX XXXX about any type of payment suspension / reimbursement program until my solar panels are restored They emailed me back indicating there was no reimbursement for this type of issue - assuming its because its not there product defect ( lol ). 

- XX/XX/XXXX email received from XXXX XXXX directing me to go through XXXX directly regarding the firmware / snap pv link issue and to reschedule my service call with them - XX/XX/XXXX sent email to XXXX asking about warranty on these defective parts ( they confirmed XXXX yrs ). 

- XX/XX/XXXX sent an email to XXXX asking for a new service appointment where in turn they gave me 4 preferred retailers to call and schedule a new appointment.

We currently have messages out to several local XXXX XXXX XXXX that XXXX recommended and are waiting for responses. 

How can a financial institution partner with such a poor-rated, poor customer-service and poor performance products? XXXX XXXX XXXX going to come out and say theyre parting ways with your institution too ( or visa-versa? ). 

Please share your insight and or solutions on how to remedy this problem, and to NOT have to take this matter into a legal stand point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation