Consumer complaint received 2026-04-26 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:
In response to the question of what happened, I provide the following description of the situation : On XX/XX/year>, I entered into a Residential Sales Agreement with XXXX XXXX for the installation of a photovoltaic system with a total value of USD XXXX ( agreement attached ). According to the terms of the agreement, the projected start date of the work was set for XX/XX/year>, and the completion date for XX/XX/year>. On the day the contract was signed, i.e., XX/XX/year>, we informed the sales representative that we would not be home from XX/XX/year>, to XX/XX/year>, and that we did not consent to any work being performed during that time. The representative confirmed this information, assuring us that installation typically begins several weeks after signing the contract. This assurance was not honored. On XX/XX/year>, I received confirmation regarding project financing ; however, on XX/XX/year>, we received an official denial of the loan ( letter attached ). Unauthorized, premature, and incomplete installation : Despite the above, the solar system was partially installed at the end of XX/XX/year> during my absence ( I was on vacation from XX/XX/XXXX to XX/XX/year> ; I am unable to specify the exact installation date, however upon my return the installation had already been partially completed ), without prior notice, scheduling, or my consent, and before the planned start date specified in the contract. I have photographic documentation dated XX/XX/year> ( attached ), confirming the condition of the installation. The photos were taken a few days after my return and document work that had already been completed earlier. Additionally, the work was carried out despite the lack of approved financing, which was clearly confirmed by the loan denial dated XX/XX/year>. The project was never completed or activated. The utility provider, XXXX XXXX, confirmed in writing ( email attached ) that no interconnection application was submitted and no Permission to Operate ( PTO ) was issued. Furthermore, at my own expense, we commissioned an independent inspection of the installation ( report attached ), which confirmed that the system is incomplete and contains significant deficiencies and irregularities. As a result, the system was never approved for use and remains incomplete. Additionally, despite the absence of my consent and prior arrangements, the installer continued work on the installation again without our knowledge. We were only informed oncewhen the contractors arrived to connect the system to the main electrical panel. At that stage, we were not yet aware of the extent of the irregularities, and therefore we allowed that work to be performed. Moreover, the installation did not pass the required inspection, which is officially confirmed in documentation available at the XXXX XXXX XXXX XXXX XXXX ( document attached ). Despite the project not being completed or approved, the financing institution proceeded with further actions. Improper disbursement of funds : Dividend Finance disbursed 100 % of the loan funds to XXXX XXXX XXXX without verifying project completion, final inspection approval, or obtaining Permission to Operate ( PTO ) from the utility company. Subsequently, a UCC-1 lien was placed on the property, despite the project not meeting the basic conditions to be considered completed and operational, and without a valid or enforceable basis for establishing such security interest. A UCC filing still appears on my property. This lien, based on an unverified and defective financing process and a non-functioning system, prevents me from selling or refinancing my home and negatively affects my creditworthiness, limiting my ability to obtain any other financing. Additionally, further interest continues to accrue month after month, causing the debt to steadily increase, which currently exceeds USD XXXX, worsening my financial situation and causing further long-term harm.

Company response to consumer: Closed with explanation