Consumer complaint received 2021-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
RENOVATE AMERICAXXXXXXXX XXXX LOAN COMPLAINT XX/XX/21 ON XXXX I SIGNED A CONTRACT FOR SOLAR INSTALLATION WITH AGENT XXXX XXXX OF XXXX XXXX FOR {$43000.00}. THAT IS THE ONLY NUMBER I WAS EVER SHOWN AND THAT I SIGNED AND AGREED TO BECAUSE MY INCOME IS XXXX  XXXX AND XXXX XXXX XXXX, THATS ALL I COULD AFORD. XXXX AND XXXX XXXX THEN HANDED MY SIGNED CONTRACT FOR {$43000.00} TO XXXX XXXX. XXXX XXXX WAS PAID IN FULL BY XXXX XXXX FOR THE FULL CONTRACT AMOUNT AND REBATE. 
I HAVE JUST FOUND OUT AFTER YEARS OF TRYING TO FIGURE OUT WHY MY TAXES WENT UP SO HIGH TO {$10000.00} PER YEAR WITH A HERO LOAN PAYMENT OF {$5400.00} PER YEAR. THAT DIDNT MAKE SENSE FOR THE {$43000.00} AMOUNTI SIGNED AND AGREED TO. AFTER GETTING OFFICIAL LETTERS IN THE MAIL THAT I HAD I HAD A CLAIM AGAINST RENOVATE AMERICA DBA XXXX XXXX THAT I STARTED LOOKING INTO THE LOAN. COME TO FIND OUT THAT SOMEONE CHANGEDTHE LOAN AMOUNT FROM {$43000.00} TO {$65000.00} AT 8.35 %. 
IT IS A HARD LIEN ON MY PROPERTY. WHEN I DID THE MATH FOR THE {$65000.00} NUMBER, IT SHOWED THATS WHY MY TAXES, ESCROW AND MORTGAGE WENT THROUGH THE ROOF. I NEVER SAW THAT NUMBER OR WAS SHOWN THAT NUMBER, NOBODY EVER SAID THAT NUMBER TO ME. I NEVER SIGNED ANYTHING KNOWINGLY FOR A LOAN FOR THAT NUMBER AND THERE IS AN EXTRA {$21000.00} EXTRA AT 8.35 % STILL IN THE LOAN UNUSED. 
THIS IS A FRAUDULENT LOAN MADE OUT IN MY NAME BY XXXX XXXX AND RENOVATE AMERICA DBA XXXX XXXX. THIS LOAN HAS CAUSED ME SO MUCH TROUBLE AND STRESS I HAVE ACUALLY GOTTEN ILL OVER THIS. 
I CAN BARELY PAY THE MORTGAGE BECAUSE OF XXXX LIEN ON MY TAXES. I CANT REFINANCE OR SELL THE PROPERTY IF NEEDED. THAT LOAN HAS DEVASTED MY LIFE. THE LAST SIX YEARS HAVE BEEN XXXX. IM A XXXXXXXX VET AND THIS IS MY FIRST HOUSE. IM BARELY HANGING ON. NOW I KNOW WHY. 
RENOVATE AMERICA IS IN CHAPTER XXXX BECAUSE OF THIS TYPE OF BEHAVIOUR. 
I NEED THIS FRAUDULENT LOAN AND LIEN REMOVED FROM MY PROPERTY AND TAXES AND THE OVER PAYMENTS ON THE {$21000.00} OF THE {$65000.00} AT 8.35 % REPAYED. 
I HAVE BEEN COMPLETLEY COMPLIANT AND AM UP TO DATE ON ALL OF MY ESCROW AND TAXES PAYMENTS. I HAVE ATTACHED ALL THE DOCUMENTS AND PAPERWORK I HAVE ACCUMILATED TO DATE. 
I HAVE FILED CRIMINAL LOAN FRAUD, IDENTITY THEFT, ELECTRONIC FRAUD, AND COMPUTER FRAUD REPORTS WITH THE XXXX XXXX, FBI, IRS, SEC, FTC, AND CA CONTRACTORS LICENSE BOARD. 
I HAVE PUT A FRAUD ALERT TO THE CREDIT REPORTING AGENCIES. 
I AM HOLDING THRIVEPOINT FINANCIAL HOLDINGS OUT OF DELAWARE THAT OWNS RENOVATE AMERICA DBA XXXX XXXX AND THAT IS NOW OPERATING AS XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX CEO OF RENOVATE AMERICAXXXX XXXX XXXX  AND FXXXX XXXX XXXX RESPONSIBLE FOR CHANGING THE AMOUNT OF THIS FRAUDULANT LOAN IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE.THEY SCAMMED ME. RUINED MY LIFE OVER THIS. A SIMPLE SEARCH ONLINE WILL VERIFY THE CHAIN OF COMMAND. 
I HAVE PROVIDED DOCUMENTS THAT SHOW THE ABOVE CHAIN OF COMMAND. ALSO THE COURT DOCUMENTS FOR FEDERAL, CITY AND STATE LAW SUITS AGAINST THE ABOVE COMPANIES. 
ALSO DOCUMENTS BETWEEN XXXX  AND MYSELF THAT MENTION THE CONTRACT AMOUNT BUT NEVER THE {$65000.00} AMOUNT. 
MY DEMANDS ARE SIMPLE. REMOVE THE ENTIRE FAUDULENT LOAN {$65000.00}. REFUND THE ENTIRE OVERPAYMENT ON THE DIFFERNCE OF THE LOAN AND CONTRACT AMOUNT OF {$21000.00} AT 8.35 %. A LETTER TO ME AND ALL THE CREDIT REPORTING AGENCIES, XXXX XXXXXXXX XXXX  AND XXXX XXXX TAX ASSESSOR OF A MUTUAL AGREEMENT ON REMOVING THE ENTIRE LOAN OFF MY PROPERTY TAXES AND ESCROW. THIS FRAUDULENT LOAN HAS DEVASTATED MY LIFE BECAUSE THE {$65000.00} WAS NOT THE AMOUNT I CALCULATED THAT I COULD AFFORD. 
COMPENSATE ME MONITARILY FOR ALL OF THE STRESS, PAIN, ILLNESS, CRYING, FEAR, SLEEPLESS NIGHTS, STARVING AND ALL OF THE MENTAL AND PHYSICAL DISTRESS THIS HAS CAUSED ME! 
TRUST ME AS A XXXX THAT I WILL PERSUE THIS TO THE FULL EXTENT OF THE LAWS UNTIL I GET FULL RESOLUTION. 
XXXX XXXX, THRIVEPOINT FINANCIAL HOLDINGS, RENOVATE AMERICA AND HERO FINANCING HAVE ABUSED MY TRUST. THIS HAS CAUSED ME SO MUCH STRESS IT HAS ACTUALLY MADE ME PHYSICALLY SICK. THOSE TROUBLES WILL NOT BE FREE. SOMEONE WILL GO TO JAIL. I WILL FIND OUT THE INDIVIDUALS FROM TOP TO BOTTOM WHO AUTHORIZED THE {$65000.00} LOAN WITHOUT MY KNOWLEDGE OR PEMISSION. YOU WANT ME AND THE FRAUDULENT LOAN TO GO AWAY. 
I WAIT TO HEAR FROM SOMEONE OF AUTHORITY THAT WILL REALIZE MY DEMANDS. NOTHING LESS.

I REALLY NEED SOME HELP AND BACKING. I NEED THIS TO BE OVER. IM DRAINED AND SCARED IM GOING TO LOSE MY FIRST HOME EVER. THANK YOU FOR ANY ADVICE AND CONSIDERATIONS. 
I WILL BE SENDING DOCUMENTAION VIA MAIL

Company response to consumer: Closed with explanation