Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Hanwha QCells USA Corp (TX)

XXXX XXXX XXXX XXXX XXXX ( The Seller/Installer ), XXXX XXXX XXXX XXXX  ( The Holder of The Loan ), Home Solar Agreement Number : XXXX, XXXX XXXX  ( The Lender ) Loan Amount : $ XXXX with interest over XXXX XXXX 

THE FAIR RESOLUTION THAT I AM SEEKING : is for XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX to CANCEL THIS FRAUDULENT LOAN in my name, remove the solar panel system, and all equipment from my roof and the boxes mounted on my home, restore my roof to its original condition, remove all adverse reports from my credit and reimbursement for my out of pocket expenses securing paralegal and other professional services to assist in correcting this matter. 

1. Violation of My Rights : Fair Credit Reporting Act ( FCRA ), Truth In Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), Unfair, Deceptive, or Acts or Practices ( UDAAP ), Consumer Financial Protection Bureau ( CFPB ) Regulations, Federal Trade Commission ( FTC ) 2. On XX/XX/year>, I emailed XXXX XXXX, XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX, XXXX requesting an in-person meeting to discuss the details of the solar project that occurred at my home starting on XX/XX/year>. It had become apparent to me that I needed answers to questions that were not clear. XXXX XXXX promised to contact me to schedule a meeting with me that same week but, he did not. He also said that he hoped we could settle this issue amicably without any further legal action. To date, I have not heard from XXXX XXXX XXXX. 

3. Fraudulent Actions Committed Against Me : I believe XXXX XXXX XXXX XXXX XXXX and XXXX XXXX engaged in fraudulent activity, including : Creating a false email in my name Submitting a loan contract without my consent or signature Installing solar panels on my home without a valid contract or a permit from the City of XXXX, Texas, or authorization I did not sign or authorize any document regarding the solar panel installation or financing. 
Forgery Bribery I AM A VICTIM OF A FRAUDULENT SOLAR CONTRACT AND LOAN. I am disputing the validity of this uninformed and unauthorized use of my credit. I am 61 years of age. I own my home and have lived here for 40 years. I raised my family in this home and my grandchildren live with me. Had I been aware of the cost of the solar panels I would not have agreed. it is unreasonable to believe I would knowingly accept {$160000.00} in debt and risk losing my XXXX square-foot home. The loan payments are higher than my highest electric bill. So, this doesnt make sense. 

You will find strong evidence of the unconscionable predatory sales conduct imposed upon me from XX/XX/year>, to XX/XX/year>, and continuing to the present. The fraud against me was committed by XXXX XXXX XXXX XXXX XXXX, its Sales Representative, XXXX XXXX, and XXXX XXXX to hold me responsible for an intentional debt created by XXXX XXXX with financing arranged by XXXX XXXX XXXX XXXX XXXX for the installation of Solar Panels with XXXX XXXX XXXX XXXX 

I did not authorize XXXX XXXX or any associated party to run a credit check in my name. I did not sign any financing agreement for the installation. On XX/XX/year>, a sales representative from XXXX XXXX XXXX XXXX XXXX came to my home selling a home improvement service, which I initially understood to be interior improvements not solar. The representative stated the government would take care of the wiring that needed to be done. He did something on his device without showing me anything and insisted that I not worry about it and that the government would help me. Now, I understand that the main electrical panel in my house needed to be upgraded to support installing solar panels, the sales representative knew this, which is why the wiring was mentioned. 

However, the sales representative later revealed that the improvement was related to installing solar panels. XXXX XXXX XXXX XXXX and XXXX Bank are complicit in the fraud because they did not verify the loan before advancing funds on my behalf without my authorization or fiduciary care. 

This happened to me so fast. The sales representative was clever with his words and bulldozed his way into this fraudulent deal. I was confused. I felt pressured like I didnt have a choice. I did not understand how what the sales representative kept repeating could be possible. Despite my opposition from the beginning, the sales representative made several claims while he was in my home and via text messages., He offered me a check for {$10000.00} ( which I did not accept ), without explaining what the money was for. The sales representative assured me I would not have to pay for the panels. He assured me that they, XXXX XXXX were taking care of me. He also cautioned me not to panic and that he was not lying to me. The sales representative assured me You wont pay for the panels. It will replace your electric bill. The solar panels were installed on my home within less than XXXX on XX/XX/year>, without a permit from the XXXX of XXXX, Texas. 

On XX/XX/year>, I unexpectedly received a finance contract in the mail at my address from XXXX detailing a loan for solar installation for {$160000.00}. I did not provide my banking information to the sales representative or anyone else. I did not agree to or sign this contract, nor did I engage in any discussion with XXXX about securing a loan. This loan was established without my consent or knowledge. 

XXXX. No Contract Signed with Custom Pro or EnFin : I did not sign or consent to any contract or loan agreement with XXXX XXXX XXXX XXXX XXXX. 
I was never presented with a Custom Pro Contract nor do I have a contractors contract in my possession and I did not authorize a credit check for a loan. 
On XX/XX/year>, I received an XXXX XXXX XXXX in the mail at my address without my consent. 
I became aware of the email XXXX when I received the finance contract from XXXX in the mail on XX/XX/year>. This email account does not belong to me and I do not have access to this email account. 
I did not create the adopted DocuSign Signature on the XXXX XXXX. 
I was not informed of the XXXX XXXX to Cancel. However, XXXX XXXX voided that right when they installed solar panels on my home within less than XXXX hours after the initial contact with the sales representative on XX/XX/year>. 

XXXX. Unauthorized Solar Panel Installation : On XX/XX/year>, solar panels were installed on my property without a permit from the City of XXXX, Texas, and without a signed contract or receiving any documentation authorizing the installation before this date. According to the City of XXXX, Texas XXXX and Permits the permit to install solar at my address was applied for on XX/XX/year>, XXXX business days after the panels were installed on XX/XX/year>. The permit was issued on XX/XX/year>. 

XXXX. XXXX of Unauthorized Loan : On XX/XX/year>, I received a contract in the mail from XXXX XXXX, notifying me of a loan for {$100000.00} in my name with XXXX in finance charges for a total of {$160000.00} to be paid over 25 years that I had no prior knowledge of or agreement to. 
I did not sign the loan agreement, nor was I aware of its existence before receiving this contract in the mail. 
I discovered that an email address was fraudulently created in my name without my consent and used to execute the unauthorized loan without my knowledge. 

XXXX. Harm : I was and still am overwhelmed by what has happened to me. I am now burdened with a fraudulent loan of {$160000.00}, risking the home I have lived in and raised my children in for 40 years, which is fully paid off. 
I am psychologically stressed with worry as to how I am going to get out of this situation that XXXX XXXX and XXXX have put me in. 
This unauthorized loan and installation of solar panels without my approval, is creating further complications and potential damage to my property and credit standing and jeopardizing my financial stability. 
Why do XXXX solar panels cost {$100.00}? 
I want the XXXX and the finance company to be investigated for fraud. 
I want the XXXX XXXX XXXX. I want the solar panel system removed from my roof and my roof returned to its original condition. I want all negative reports removed from my credit. I want to be reimbursed for out-of-pocket expenses necessary to retain help to be heard and settle this unconscionable act committed against me.