Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, between approximately XXXX XXXX and XXXX XXXX, I was at my partners mothers home while preparing to move out of the residence. My partner, his niece, and I were in our room when his mother and brother informed us that a solar panel salesperson was downstairs speaking with them. They explained that they were interested in solar panels because the roof of the home was leaking and they hoped solar installation would help with roof repairs and lower the electric bill. My partners mother asked my partner if he could co-sign the financing agreement because her credit was poor. My partner stated that his credit was also poor. At that point, I offered to allow the salesperson to check my credit to see if I could help. I went downstairs and spoke with the salesperson. During that conversation I provided my Social Security number only for the purpose of a credit check. The salesperson informed me that I was approved and began explaining the financial terms of the agreement. After hearing the details, I became uncomfortable with the financial commitment. I immediately went upstairs and informed my partners mother that I did not want to proceed with the agreement and would not be signing any contract. She told me that she also did not really want to move forward with the solar panel installation and stated that if she did proceed she would remove me as a co-signer as soon as possible. Later that day I received an email containing a contract to review and electronically sign. Because I had already decided that I did not want to participate in the agreement, I did not open the contract and did not sign any documents. Shortly afterward, my partner and I moved out of the home. Since I never signed any documents, I believed the matter had ended. Recently, I received a collection notice stating that payments on a solar panel loan had not been made and that the account may be sent to collections. I was confused because I never signed any agreement. I contacted the bank that issued the loan and requested a copy of the contract. When I reviewed the document, I discovered that my name had been electronically signed without my authorization. The document also contains incorrect middle initials, which further confirms that I did not sign it. The signature appears to match the way my name was spelled in the email that had previously been sent to me. I informed the bank that I never signed the contract and never authorized anyone to sign on my behalf. The bank instructed me to contact the solar company XXXX, now known as XXXX. As a result of this situation, my credit has taken a significant negative impact due to a loan that I did not agree to and from which I receive no benefit. For these reasons, I believe my personal information was used without my consent and my signature was forged or electronically applied without

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