Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a solar system installed at my primary, XXXXhomestead residence around XXXX XXXX Dividend Solar provides loans for home solicitation sales of solar systems in Florida. I was sold a system by XXXX XXXX that was financed through Dividend Finance. The contract I signed with XXXX XXXX, and that was also forwarded to and signed by Dividend Finance is NOT the system I was delivered. I complained many times about the system not producing what I was expecting and the solar company kept trying to sell me more panels. Through much effort and research, I determined that the solar company had undersized my solar inverters. While doing so, they guaranteed on the attached contract to deliver me a XXXX system. That is the size system that Dividend Finance sent me a letter of completion about on XX/XX/year>. I have come to find out that the solar system size is in fact XXXX because that is the maximum that the inverters will produce. I was very adamant throughout the process that I was comparing systems based on total potential XXXX production and the system size told to me was XXXX and that is what I was expecting. I was not expecting a system, that under ideal conditions, would only product XXXX - that is a 33 % under sizing. Not only that, but I also think that they do this purposely, so the system underperforms, and they can sell you more panels. Every time I call to complain, I am bombarded for weeks with daily marketing calls trying to sell me more solar panels, and the only reason I need them is because they did not install the system we contractually agreed to. I think they target veterans in the area because they know we often have to move and can't be caught in the middle of a loan/credit dispute on a residence. They also target elderly in the area with high-pressure tactics, confusing contracts, and contracts that they downright lie about- they installed a similar system with the same contract errors on my mother 's house in the same neighborhood. My contract unambiguously states XXXX production- it does not state that is the panel size, it does not state that the inverters do less, it states XXXX - that is what I was sold, that is what I was charged for, but that was not delivered. I want this loan cancelled and the panels promptly removed from my house at Dividend 's and XXXX 's expense. 

In dealing with XXXX, with them trying to hide this fact, I've discovered that they appear to be systemically and purposely under sizing inverters ( beyond that recommended by best practices or the manufacturing specifications ) in order to charge consumers more, while taking advantage of federal tax incentives. I have years of usage data to support this, as well as an " engineering document '' that XXXX uses to try to undermine this claim. However, this document, unsigned and supposedly from XXXX, contradicts itself and the tables used to illustrate that under sizing is not an issue, in fact show that it is ( whoever put it together was not qualified to interpret the data ). My particular system design has panels so much larger than the inverters, that not only is it inefficient, but it is also potentially dangerous due to early component failure. XXXX 's response to me was to try to sell me more solar panels. I had them conduct another evaluation on a rental property of mine, and when I brought up the design issue of under sizing inverters, they immediately corrected it, of course, in order to get my business. So, I have one design from XXXX that they say has to be 35 % undersized and another one where that is not the case at all. Solar is supposed to be about resource-consciousness and efficiency, not fraud and greed. I've collected all the documents needed to show my personal claim, and for what I believe is a systemic fraud by a company going door-to-door, often targeting seniors, failing to deliver contractual obligations, and hiding behind pseudo-science writeups to defend those practices. I think this is a very concerning case and I look forward to your reply.

Company response to consumer: Closed with explanation