Consumer complaint received 2024-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dividend Finance breached the loan contract by paying the contractor " in full '' PRIOR to installation and without regard whether contractor followed legal guidelines XX/XX/XXXX XX/XX/XXXX Agreement with dividend finance effective date. Salesman told me this is a onetime deal and that I would also get {$10000.00} back from the government cash to do with what I wanted to. 
XX/XX/XXXX Permit was applied by XXXX XXXX. 
XX/XX/XXXX XXXX XXXX started their Install Then told me they were putting on different panels because they were out of the other panels that I was supposed to get They did not tell me they had to file for a new reversion permit Which were more panels than what the original contract was for. 
XX/XX/XXXX XXXX XXXX Completed the Install. Dividend Finance  told me that they paid XXXX XXXX on completion of installation. But not turned on to make power for the customer. 
XX/XX/XXXX Permit approved date. 
XX/XX/XXXX XXXX XXXX  started making payments to Dividend Finance for my loan. I was not informed about the agreement They had. 
XX/XX/XXXX First payment was due after 90 days of signing of the contract, I called Dividend Finance told them the system was not turned on, yet they told me that XXXX XXXX would make the payment for me until the system was turned on. I told them I wanted to cancel my contract they told me I could not because the solar panels were already installed on my roof Once theyre installed you can not cancel. Even if the panels are not turned on and not working properly. 
XX/XX/XXXX Permit revision. for different panels what XXXX XXXX installed on XX/XX/XXXX XXXX. 
XX/XX/XXXX Permit approval date for revision XX/XX/XXXX Inspection finally passed. 
XX/XX/XXXX XXXX XXXX XXXX Change the meter so the solar panels would work. 
XX/XX/XXXX Dividend finance Call me said I had to start making payments the month of XX/XX/XXXX XX/XX/XXXX Called XXXX XXXX about system wasnt working right they told me my inverter was bad from the factory but still was installed in my system. 
XX/XX/XXXX New inverter was installed. 
XX/XX/XXXX Was told by XXXX XXXX employee that my panels can put out 9.97 kilowatts, and the inverter was only capable of putting out 7.6 kilowatts in my contract System size 11.52 kilowatts. 
XX/XX/XXXX Called Dividend Finance Told them that the system was not putting out and without my {$10000.00} from the government my bill went up to {$170.00} month plus my electric bills of {$120.00} Between the two bills it made my electric bill {$290.00} It is higher than what they told me when I signed the contract, Dividend transfer me to the Department of having problems with paying the bill And I asked them what I could do and what would happen if I couldnt make my payment and they said no problem well just put a lien on your house and get the money later they gave me no options to make my bill cheaper. 
I also talked a Dividend Finance and asked if the gentleman that sold me the contract was either trained or employed by Dividend Finance. They told me that he was not, And I asked them if I could get a job Of selling contracts Since I was lied to about the {$10000.00} to make money so I can afford to Make my payments On my loan them they hung up on me. Dividend Finance loan number XXXX Thank you, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation