Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had solar installed through XXXX XXXX in XXXX, and then in XXXX I added more panels as well as a battery backup. This was financed through Dividend finance, so I have 2 separate loans through them for this. The system itself is monitored through XXXX. 
XXXX XXXX  presented the information about the tax credits in a very deceptive way, which ultimately lead me to have to take out a 2nd mortgage on my home to pay the incentive credits required by Dividend to avoid my monthly payments tripling. As the solar tax credits, are nonrefundable credits which is not how it was presented to me. 

The total financed amount for this was {$100000.00} combined between the XXXX loans. 
To the total incentive payments were {$32000.00} between both loans which I paid on XX/XX/XXXX. 
To date I still owe between both loans {$74000.00} When the solar was installed the city inspector cleared it for use, but over the years I have had some technical issues with the system. XXXX XXXX  came out on at least 3 occasions the last was in XXXX. One of the times was to remove the panels to have my roof repaired and then reinstall the system. At the time the technician came out in XXXX XXXX informed them that the system was not set up correctly, but none of this information was relayed to me nor was anything done to correct it. 

The system is supposed to be a full home back up system. When we had storms 2 days ago my system did not switch over to power my home. I made 3 calls to XXXX on the XXXX when the power went out, had to then call and find a company that would come out and look at the system. He was able to determine that since the install of my system it has been set up to feed power to the city, NOT to my home. This includes when they came out in XXXX to add the backup battery and wire the home to be capable of being disconnected from the grid no one fixed the issue. 

While the contractor was here yesterday and on the phone with XXXX, he was informed that they noted this issue and XXXX and informed the XXXX XXXX, and nothing was done about it, nor did anyone inform me then. 

I called and spoke to Dividend about this issue, since the work was technically never completed and was told they would put in a ticket, but they really dont think there is anything they can do and that I am still liable to pay the total amount owed for both loans. 

So essentially, for the last three years I have been paying for a system that is doing nothing but feeding power to the grid, which City utilities pays me back at a rate of XXXX for any power added to the grid. 

I would like to know if there is any legal recourse I can take, and if there is any way to get out of this contract with Dividend and or potentially be refunded as I have a system that is not working the way it should, and I did not get what I am paying for. 

XX/XX/XXXX Original loan amount XXXX Current balance XXXX at 4.99 % Maturity dated XX/XX/XXXX Incentive payment made XXXX of {$20000.00} XX/XX/XXXX Original loan amount XXXX Current balance XXXX at 5.99 % Maturity date XXXX/XXXX/XXXX Incentive payment date XX/XX/XXXX of {$12000.00} made on XX/XX/XXXX Dividend called me back today, and they said they only covered the purchase of the panels and equipment that if the work was not done correctly then it is not their problem. The issue is that the installer did not install everything that they needed to, and they were made aware of this issue back in XXXX by the monitoring company on XX/XX/XXXX. I was only made aware of this issue yesterday, and I immediately brought this to dividends attention. 

On the notice of completion from dividend it specifically says " IMPORTANT : We have been informed by your contractor that the system ( " improvements '' ) described below have been installed. If your improvements have not been stalled or the work has not been completed in accordance with the contract in place with your contractor, please contact dividend immediately at XXXX '' XXXX XXXX  never installed an essential sub panel or backup load breaker and they just wired the solar panels in XXXX to feed into the grid, and when they came out in XXXX to add panels and the backup battery, they did not install the additional panel or backup load breaker. 

As soon as I was made aware of the issue, I called Dividend, and at their request I sent them a copy of both contracts the one from XXXX, and XXXX because they said they did not have them. Which states the full work and all the things that should be completed. I am not going to have to pay additional money to get the system fixed, which will potentially require me to take out an additional loan which is absurd to me since it should be covered by the fact that the work was never actually completed.

Company response to consumer: Closed with explanation