Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Tesla, Inc.
State: MD

Complaint narrative:
I. Description of the Issue : Failure to Respond to Hardship and Demand for Resolution on Contractual Right I am filing this complaint because Tesla , Inc. ( as the servicer/administrator of my residential Solar Power Purchase Agreement, PPA ) has demonstrated a pattern of non-responsiveness and failed to provide a resolution for severe financial hardship, forcing me to issue a formal demand today, XX/XX/year>. 

My financial distress began immediately following my release from incarceration in XX/XX/year>. I reached out to Tesla shortly thereafter ( in XX/XX/year> ) to explain my situation of involuntary unemployment and my inability to sustain the PPA payments, which had become an untenable financial burden.

After receiving no substantial or satisfactory resolution through informal channels over several months, I formally escalated the matter today, XX/XX/year>, by sending a letter via certified mail and email ( cc : CFPB, MD Attorney General, MD PSC ). This letter explicitly invoked my express contractual buyout right under Section 10 of the PPA. 
Key issues demonstrating company inaction and unfair practice : Sustained Inaction on Hardship : Despite being informed of my severe hardship in XX/XX/year> ( a material change in circumstances ), XXXX failed to offer any viable forbearance or hardship plan for five months. 

Anticipatory Failure to Honor Contractual Right : Due to the company 's past non-responsiveness, I have no confidence that they will acknowledge or act upon the formal, time-sensitive Section 10 buyout demand issued today. I am seeking the CFPB 's immediate oversight of this mandatory contractual right.

Lack of Good Faith/Fair Dealing : Tesla 's persistent refusal to engage with a financially distressed consumer since XX/XX/year> constitutes a violation of the principles of good faith and fair dealing, pushing me toward economic duress. 

II. Federal Consumer Protection Concerns ( TILA/Regulation Z Analogues ) I assert that the rigidity and lack of transparency surrounding this obligation raise serious concerns under the spirit and intent of the Truth in Lending Act ( TILA ) and Regulation Z, which govern clear disclosures for home-secured financial obligations. 

As a subsequent purchaser assuming this PPA as a contract of adhesion, I was denied clear, standardized, and timely disclosure regarding the true cost of electricity and the Annual Percentage Rate ( APR ) equivalent of the annual escalator, creating a massive information asymmetry that is contrary to the remedial purpose of federal consumer law. Tesla 's continued delay in resolving this matter during hardship exacerbates this regulatory risk.

III. Resolution Sought I request the CFPB compel Tesla to provide a prompt, written response to the formal demand sent today, XX/XX/year>, and act on one of the following resolutions : Acceptance of {$4000.00} FMV Buyout : Tesla agrees to transfer full legal and equitable title of the system for a lump sum payment of {$4000.00}, extinguishing all future PPA payment obligations.

No-Penalty Termination : Tesla agrees to a no-penalty termination of the PPA and removes the system at its own expense.

Hardship Forbearance Plan : Tesla provides a written hardship forbearance plan reflecting the reality of my long-term unemployment, reducing the total obligation to {$4000.00} via installments, with no negative credit reporting. 

The company 's sustained non-response since XX/XX/year> requires regulatory intervention and oversight of the time-sensitive contractual demand issued today. I seek a final, written resolution within the CFPB 's standard response timeline.

Company response to consumer: Closed with explanation