Consumer complaint received 2022-08-01
Company: Dividend Finance Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My name is XXXX XXXX. In XXXX of XXXX, my wife, XXXX XXXX XXXX both retired XXXX, WERE TAKEN ADVANTAGE OF BY XXXX XXXX XXXX XXXX XXXX XXXX I signed a contract with XXXX XXXX XXXX. The agreement was 22 panels with a backup battery system. the salesman, XXXX XXXX, was a smooth talker and promised that this system would generate enough power to be 95 % self-sufficient in electricity. He also said that the company would replace our outdated breaker box, and we wouldn't have to make any payments until XX/XX/XXXX. Unfortunately, according to the same XXXX XXXX Vice-President, the system we have in our house is undersized for our home production. This means that XXXX XXXX knowingly sold us an undersized, defective system. 
A crew showed up in the first week of XX/XX/XXXX and started installing our system. they could not finish in XXXX day and said they would return the next day. However, a completely different team arrived the next day. There seemed to be some frustration and confusion about how much progress had been made the day before. By the time they finished, it was dark on the second day. Another verbal promise had been that they would blow insulation into our attic. They reluctantly and XXXX blew a small amount into the attic when I asked about this. I also had to call the HQ and ask for a promised box of gifts. This showed up finally almost two months later. After a quick class, they told me they had taken all the pictures they needed to send to the utility company to get PTO or permission to operate. This would allow us to sell excess power back to the utility company. This inspection has been rejected three times by our power company. Every time this happens, it is challenging to get a representative to come to fix the problem. Since this began, the company changed its name to XXXX XXXX. Finally, after the third rejection from our utility company and numerous calls to get an update, a crew hopefully came to fix the situation. Our system had been showing an error for over two months. I had called XXXX, the manufacturer of the backup battery system, so they could remotely try to fix the problem. They claim that power home solar did not use the correct wiring and snap so that it would be compatible with the backup battery system. When the crew arrived, I confronted them about this, and they admitted it was true. The company blatantly used the incorrect wiring and snaps because they were trying to expand stock already purchased. 
On top of that, we had an entire row of broken panels that did not work. It has been almost eight months going round and round with this company for a system that costs over $ XXXX. We were taken advantage of ; they took the money and are not cooperating. We have already made over {$900.00} in payments for this inefficient system. Also, our power bill has not gone down ( to the contrary, it went up ) as they promised. Oh, and guess what, they put a lien on my house without me even knowing and telling me about it. I asked the salesman that question precisely, and he said No, their company doesn't do that. 
XXXX XXXX dollars of worthless equipment ( they are trying to blame XXXX and XXXX if fighting back ). The owner 's name is XXXX XXXX billionaire. In XXXX, he owned XXXX XXXX in NC, did precisely the same, scammed, fraud, and then filed for bankruptcy. So, it's all out there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation