Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CREDIGY USA CORP.
State: SC

Complaint narrative:
XXXX XXXX used deceptive sales tactics to convince me to sign agreement with XXXX XXXX for a solar panel system installation for my home. XXXX XXXX promised that they have a 100 % guarantee on their service, stating any damages to home accidentally caused by solar install would be corrected, and if solar system was not working after install, that loan payments to XXXX XXXX would be reimbursed, as well as, electric bill reimbursement of 80 %. They told me their system will produce 80 % of the energy my home needs, but the system has never worked because they did not finish setting up the needed software and some panels were not even connected to the system. After installation, but before the permission to operate was granted, my home 's main breaker started overheating and turning off. Had to place an emergency call for the XXXX XXXX XXXX XXXX, to make the system safe by disconnecting the solar system. Then we noticed our roof started leaking from an area where the panels were installed. XXXX XXXX said they would remedy all the issues at zero cost to me. They sent 3 months of loan payment reimbursements, but never sent any electric bill reimbursement, even after providing the electric bills to them multiple times. They replaced the main breaker, but never fixed the roof leak, or finished setting the system up. After multiple calls and emails, I finally received an email back saying they went out of business. XXXX XXXX  informed me in a letter that the new loan servicer would XXXX XXXX. After opening multiple complaints with both XXXX  and XXXX ( they kept closing the cases without informing me for over a year ), XXXX finally agreed to send a solar tech and roofer to look at the issues. The solar tech confirmed the system was not operating and the roofers confirmed my entire roof needs to be replaced. After they received the quotes needed for the repairs, they closed my case, AGAIN, and did not inform me. I opened ANOTHER case, and this time they sent a new solar tech from XXXX XXXX XXXX XXXX. He found out XXXX XXXX never finished the system set-up and that two panels were not even connected to system at all. He also found a hole in my roof underneath some panels that the roofers could not see, and he patched that hole, connected the two panels, installed all the software to the system, and got the panels working for the first time since they were installed in 2023. He also noticed that when the main breakers was replaced, the connection they used was unconventional and needed to be addressed. He also noted all the damage to roof was extensive and the roof does need to be replaced. 
Meanwhile, I have been drafted payments for loan ( which I have now canceled ) and interest continues to accumulate on the loan. This is a terrible business practice, so when I called XXXX XXXX to address these issues, they told me that a company called XXXX XXXX XXXX is the owner of the loan and that only they could resolve those issues. I found a phone number online for XXXX XXXX XXXX, but when I called the number, they stated their company name as Wollemi Acquisitions. I asked if I could talk to someone about my loan and was told to speak to XXXX XXXX. I told them that XXXX directed me to them because they could address my concerns. I then asked to speak to a supervisor and was told they were unavailable, so I asked to leave them a message. I was told " the supervisor does not have a direct line or voicemail available. '' That's when I knew this was a scam, how's does a person of that type of position in a company " not have a direct line or voicemail '' ...? Very fishy, so I decided to look up Wollemi Acquisitions on the XXXX site and there are only 1 star reviews for them, they seem to be deceiving other consumers, as well. This whole situation has been a nightmare, all I wanted to do was something good for the environment, to lower my carbon-footprint, reduce energy costs for years to come, and increase the value of my home... however, the opposite has happened to me, and now I can't even get ahold of someone from the sketchy company to file a complaint. I have also reached out to a lawyer for legal advise, as I have been truly scammed here.

Company response to consumer: Closed with explanation