Consumer complaint received 2022-10-27
Company: Sunlight Financial LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This began in XX/XX/2022 and is currently ongoing as I had contact with Sunlight on Monday, XX/XX/XXXX. 

Sunlight Financial has ignored my attempts to receive the original application I submitted to verify a loan for work performed in XXXX. 

I filled out XXXX application with strict instruction to XXXX salesmen at XXXX construction we both had to be on the loan. Borrower/Coborrower positions, my wife and I. Whichever was first didn't matter because it needed to help both our credit files. We received a denial that evening, my wife received an email the next day as being approved. The salesman informed us everything was approved he got us the loan so we can get the windows. Quote " I got it to go through, you guys are qualified, don't do anything. A few days later we received XXXX denial emails, got told to ignore those everything was in place. Before leaving we were informed most installs happen within XXXX weeks or less. 

We were of the opinion at this time we were both on the loan. 
We both received information in separate files to be signed individually. Thought it strange, I asked and was told that is just the way it was. Continue to fill out the info in XXXX. We both filled our information out. 

As the first XXXX week deadline approached, we reached out and didn't receive an answer multiple times, after it passed we were ignored more. 

The original contract with XXXX expired the end of XXXX, they extended this without our knowledge or consent. The local secretary told us, " There were problems at the company manufacturing the windows. ". At this time I cancelled through the email link on the main website because we did not approve of the extension. Another salesman contacted me and told to contact corporate, upon calling corporate I was routed to another salesman. When questioned about the ownership of the company and what the secretary said, he paused, signed and repeated the ownership sales line. I was also informed to call corporate again at the same number. A number that routed me to another local salesman In XXXX, received a call from an installer, informed him the contract was cancelled there is no contract/agreement in place, but I would still like them to be installed. He showed up the next day and started the installation. 

At this time, almost XXXX and XXXX months had passed, not just XXXX weeks. Installer was confused because he claimed installs happen within XXXX to XXXX weeks. 

When I returned home I was surprised to see a name on the windows that wasn't XXXX construction, as the biggest selling point was the claim they owned the manufacturer. I started searching the Ohio Secretary of state website, different representatives for the XXXX companies along with different addresses for those representatives.. I reached out to both and didn't get a response back verifying ownership. 
Upon completion, he handed a paper for a signature, claimed it was for him to be paid. Along with an approval from Sunlight Financial. 

I went to the website and tried logging in, and to my surprise, my information was rejected. 

When the local corporate manager (? ) was questioned he assured me the ownership was as stated, and the loan was setup the way it was for us to qualify, although it was in fact not what we had requested. 

To this day I have not received verification of ownership. I recently questioned the local salesman, and he referred me to the warranty paper. Claimed its on there. 

Sunlight informed me in XXXX call, they did not originate the loan they are only the servicer. When I asked who it was they refused to answer, and just said they could not be reached at this time. They also refused to pass along the contact information. 

The Sunlight rep has also told me that I was removed because I did not qualify. I was confused at how I was denied, with a $ XXXX a year job, I have since received a 30 % raise, but my stay-at-home-mom wife qualified with no income in XX/XX/XXXX years. They used her credit and my income against our wishes, without showing us another option, XXXX we would have denied because the payment would have been entirely too high. 

I have requested the XXXX applications filled out in XXXX or XXXX to verify the validity because something has not felt right for a while. My requests have fallen on deaf ears XXXX times. I have requested a fraud investigation be opened at Sunlight and also have been ignored. 

Sunlight refers me to XXXX for questions and XXXX refers me Sunlight, doesn't make sense. I have requested a call from XXXX XXXX, not a local individual and have yet to be called. 

The XXXX salesman this last week informed me that he told me about the loan when he returned the next day to measure the windows. I was at work and he was gone before I got home. When I told him this he then insisted he told my wife. She says he came to measure windows and left.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation