Consumer complaint received 2024-08-20
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 ), EnFin Residential Solar Financing ( The Holder of The Loan ), XXXX XXXX  XXXX The Lender ). Loan Contract Number XXXX Loan Amount : $ XXXX {$160000.00} with interest over 25 years. 

I AM A VICTIM OF FRAUD! You will find strong evidence of unconscionable predatory sales conduct imposed upon me, from XX/XX/year>, to XX/XX/year>. The fraud against me was committed by XXXX XXXX XXXX XXXX XXXX, its Sales Representative, EnFin, and XXXX XXXX to hold me responsible for an intentional debt origination created by XXXX XXXX with financing arranged by XXXX XXXX for the installation of Solar Panels with EnFin Residential Solar Financing. I did not receive a 3-day Cancellation Notice as required by the State of Texas from the installer or the finance company. 

EnFin Residential Solar Financing and XXXX XXXX are complicit in the fraud because they did not verify the loan before advancing funds on my behalf without fiduciary care. I question their policies and procedures regarding how funds are advanced and the required evidence before advancing funds. I acknowledge that I have not signed a Home Improvement Agreement with the contractor/installer, which seems to be the only trigger for advancing funds. 

XXXX XXXX XXXX  Sales Representative is a Predator in the Solar Industry who intentionally arranged this debt in my name using immoral and unethical business practices. I contend that this one-sided debt is outside the scope of any arbitration agreement since arbitration was not explained to me, and I did not sign any contracts that included an arbitration agreement. I did not create the adopted XXXX Signature. The loan documents were forged as I did not agree to the terms of this agreement or any agreement. Therefore, I have not waived my rights to a jury trial. 

I became aware of the fraudulent loan in my name on XX/XX/year>, 39 days after XX/XX/year>, when I received a contract in the mail from EnFin Residential Solar Financing, dated XX/XX/year>. The contract congratulated me on going solar and informed me that once I signed or had already signed the loan agreement, a copy would be emailed to me. The email indicated on the loan documents as XXXX does not belong to me, and I can not access this email account. 

In addition, the loan agreement states on page XXXX, Section XXXX, We will disburse the loan proceeds on your behalf directly to your Installer Contractor or an associated equipment provider, which they did. It seems that nothing more is required. No other conditions, proof of installation, or permission to operate the solar system are needed, and funds are advanced without concern for me as a good-faith borrower. 

Residential Solar is a difficult concept to understand, especially for average homeowners. 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, and I felt pressured like I didnt have a choice. I did not understand how what the Sales Representative kept repeating could be possible. You wont pay for the panels. It will replace your electric bill. Dont panic ; we are taking care of you. 

I am a mild-mannered XXXX American woman XXXX XXXX XXXX. I own my home and have lived in it for 40 years. If I knew the cost, it would be unreasonable to believe I would knowingly take on {$160000.00} in debt and jeopardize losing my 1,100-square-foot home. The Sales Representative did not present me with any numbers. He never mentioned anything about the price of the solar panels. 

On XX/XX/year>, a young lady knocked on my door asking about my electricity bill. She insisted that we can pay this bill and we can help you pay this. She left, and shortly after that, the Sales Representative arrived at my door. He insisted that the government would help me with my electricity bill. He said the government had a program for older adults XXXX and over to help improve their homes. He assured me he did not need my banking information to prove I would not get a bill.

My impression was that the government would help with what he was selling. I thought he was talking about improvements inside the home, NOT solar. He said that 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 mentioned above was mentioned.

The Sales Representative also misrepresented the 30 % federal tax credit for which I am not eligible. He stated several times that I would not have to pay for the solar panels because the government is giving away solar panels free to XXXX. The financing with EnFin was arranged to be paid for by check or debit card, which is why I now understand the Sales Representative did not ask for my banking information and did not need my signature to falsify the transaction. 

I assert that the Sales Representative completed the application and signed it himself. The Sales Representative offered me {$10000.00} and never said what the money was for. I did not accept the money. However, he made several attempts to bring the money to my home. Please see the attached documents. 

On XX/XX/year>, I emailed The CEO & Founder of XXXX XXXX XXXX XXXX XXXX requesting an in-person meeting to discuss the details of the solar project that occurred at my home, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX starting on XX/XX/year>, and ended on XX/XX/year>, within less than XXXX. I requested the meeting for him to review any documentation he has verifying the transaction with me. I have yet to hear from XXXX XXXX about scheduling a meeting. Please see the email documentation attached. 

The Sales Representative told me that someone was supposed to call me. I have not received a phone call from anyone regarding the solar panels installed on my roof on XX/XX/year>, without a permit from the XXXX XXXX XXXXXXXX, Texas, and no inspections have been performed at my property. 
XXXX XXXX and its representative created a false email address in my name for all documents to flow into, giving the impression that I was aware of and in favor of this transaction. By pouring all documentation with forged signatures into this false email address, XXXX XXXX XXXX XXXX XXXX could sign for the loan and gain illegal payment without me knowing that the loan had been executed in my name. 

The Sales Representative did not provide me with a Contractors Contract, an Installation Warranty, a Manufacturers Warranty, or a 3-day Notice of Cancellation. I did not speak to anyone about taking out a loan for the solar panels. I had no idea I was approved for financing arranged by XXXX XXXX XXXX XXXX XXXX. I was unaware of the EnFin loan until I received a Home Solar Loan Agreement # XXXX IN THE MAIL ON MONDAY, XX/XX/year>. I had previously received a letter from EnFin dated XX/XX/year>. The letter referenced a loan number and a loan balance of {$160000.00}. 

Now, I know this is a huge problem, especially since I did not speak with anyone from a finance company, I did not share my banking information with the Sales Representative, and I had not previously received any other information from EnFin. The EnFin letter directed me to register my account on their website. But I dont know anything about EnFin, the loan, or how to register through an account I can not access.

I was and still am overwhelmed by what has happened to me. I received an email in my email account from XXXX XXXX XXXX  ABOUT A DOCUMENT XXXX XXXX XXXX. I have no idea who this company is or what a XXXX is. Why does this company have my valid email address instead of the false email created in my name for all other documents to flow into? Were there two loans that I knew nothing about? I called XXXX to inquire about this and said I wanted to cancel this financing. The loan document was recalled on XX/XX/year>. I thought I was canceling the entire loan until I heard from EnFin and discovered this was different. But I dont know what it is. This is why I have requested to meet with XXXX XXXX. This is a problem that needs to be corrected. The CEO of XXXX XXXX promised to call me, but I have not heard from him yet. The documents are attached. 

The permit to install solar was applied for on XX/XX/year>, XXXX business days after the panels were installed on XX/XX/year>. After speaking with the City of XXXX XXXX and Permits, XXXX, on XX/XX/year>, 48 days after XXXX XXXX installed the panels on my home, the permit is still pending. 

Enfin has not shown any fiduciary responsibility for protecting funds on my behalf. Although, I did not sign any agreement yet funds were advanced to the contractor with no recourse for fraud. XXXX XXXX XXXX XXXX XXXX, EnFin, and XXXX XXXX must be held accountable and answer for this immoral act against me. 

THE FAIR RESOLUTION TO THIS ISSUE is for XXXX XXXX XXXX XXXX XXXX, EnFin, and XXXXXXXX XXXX to cancel this fraudulent loan in my name, remove the solar panels 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 compensation for suffering through this ordeal.