Consumer complaint received 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
XXXX XXXX ( The Seller ), Sunlight Financial ( Holder Of The Installment Loan ), and XXXX XXXX XXXX  ( The Lender ). 

Loan Amount : XXXX {$120000.00} With Interest Over 25 Years I AM A VICTIM OF FRAUD! Debt-Originated Loan! Misrepresentation of Federal Tax Credit! Neglect To Provide FTC 3-Day Notice of Cancellation! Defective Product And Service! Conflict Of Loan Terms And Conditions VS Actions Of The Lender To Advance Funds On My Behalf With No Fiduciary Responsibility! 
The advantage of Sunlight Financial partnering with XXXX XXXX has proven to be a major disadvantage for me. Sunlight should know better the integrity and character of its partners. 
XXXX XXXX IS A PREDATOR IN THE SOLAR INDUSTRY! 
I have explained to Sunlight Financial that the current status of the defective incomplete installation of the solar panel system attached to my home has always been the status of the system. And, whatever documentation of proof provided by XXXX to Sunlight and the Utility Company is FALSE. I am requesting a forensic audit of my loan and the condition thereof as it relates to advancing funds on my behalf and the deceptive business practices of XXXX. XXXX attached solar panels to my roof and abandoned the project without mounting the junction boxes to the roof. The screws are laying inside the boxes with the wires exposed and the panels are not connected to electricity. The system is NOT INTERCONNECTED AS THERE IS NO ABILITY TO FLIP A SWITCH NECESSARY TO INTERCONNECT THE SYSTEM FLOWING THE OVERPRODUCTION OF ENERGY BACKWARDS TO THE GRID BECAUSE THERE IS NO SOLAR SYSTEM EQUIPMENT WITH RAPID SHUTDOWN INSTALLED. THERE IS NO PHOTOVOLTAIC SYSTEM DEDICATED KWH METER. THERE IS NO INVERTER OUTPUT CONNECTION AND NO PHOTOVOLTAIC POWER SOURCE BREAKERS BACKFEEDING OVERPRODUCTION TO THE GRID INSTALLED. XXXX HAS FALSIFIED PROOF OF INSTALLATION AND DOCUMENTATION TO SUNLIGHT AND THE UTILITY COMPANY. 
ALSO, XXXX XXXX XXXX SALES AGENT ON THE CONTRACT INFORMATION PREQUALIFIED ME WITH XXXX XXXX FOR {$55000.00} WHICH I WAS AWARE OF ; THEN HE INTENTIONALLY SWITCHED ME TO SUNLIGHT WHO PREQUALIFIED ME FOR {$70000.00} WITHOUT MY KNOWLEDGE. WHEN I RECEIVED MY LOAN CONTRACT IT WAS WITH SUNLIGHT AND NOT XXXX XXXX AS I HAD EXPECTED. I QUESTIONED XXXX ABOUT THIS AND THEY HAD NOTHING TO SAY. THERE HAVE BEEN NO CITY OR UTILITY INSPECTIONS AT MY PROPERTY. THE PERMIT TO INSTALL THE PANELS WAS ISSUED FOUR MONTHS AFTER THE PANELS WERE ATTACHED TO MY ROOF. I AM A VICTIM OF FRAUD! 

THE REMEDY THAT I AM EXPECTING IS FOR XXXX, SUNLIGHT FINANCIAL AND XXXX XXXX XXXX  TO CANCEL MY LOAN, REMOVE THE SOLAR PANELS FROM MY ROOF, RESTORE MY ROOF TO ITS ORIGINAL CONDITION, REMOVE ALL NEGATIVE REPORTS FROM MY CREDIT, RETURN MONEY THAT I HAVE PAID ON THE LOAN AND CONSIDERATION OF PAIN AND SUFFERING OVER THE PAST TEN MONTHS TO SAVE MYSELF FROM THIS ABUSIVE RELATIONSHIP. 

I have been disputing with XXXX for several months to no avail and it appears that Sunlight Financial is exercising control over these extenuating circumstances by not assuming any fiduciary responsibility for funds advanced on my behalf after becoming aware of the problem and giving deference to XXXX. I have provided enough information for Sunlight to question XXXX integrity in this situation and question their business practices. 
I am filing this complaint in direct response to XXXX REFUSING to follow through with their PROMISE to CANCEL MY LOAN WITH SUNLIGHT after being contacted by TDLR, ( Texas Department Of Licensing And Regulations ), regarding a complaint submitted by me against XXXX XXXX Electrician : XXXX XXXX XXXX for attaching a defective, inoperable solar panel system to my roof then abandoning the project. 
On XX/XX/XXXX, XXXX XXXX, Chief Operating Officer XXXX XXXX wrote via email : After further consideration, XXXX XXXX will meet the demands to remove the solar ''. He further stated : To do so, all we ask you to do is to remove your complaint with TDLR. Please coordinate the email chain on what day next week would be a good time to remove the system. My response was that I needed confirmation in writing and to receive signed paperwork in hand relieving me of the loan then I will remove my TDLR complaint. 
XXXX INITATED the CANCELLATION of my loan with Sunlight Financial and the paperwork was started on XX/XX/XXXX. Sunlight contacted me to confirm the cancellation and explain the process. Then after some time, I contacted Sunlight to check the status of the cancellation and I was informed that they were waiting on XXXX to sign the paperwork. Finally, after three months on XX/XX/XXXX, I learned that XXXX REFUSED to sign the paperwork. And, no one informed me. XXXX then stated : After further consideration and review XXXX has operated in compliance with the customer and financer and wants to proceed with finishing the install. XXXX IS DISHONEST! I do not trust XXXX to do any further work for me. They want to finish something that was a problem for them from the beginning. If they had done a proper site survey and had questions about the electricity why, then would XXXX attach the panels knowing the electricity was questionable? THEY DID IT TO GET PAID. HEREIN LIES INTENTIONAL FRAUD KNOWING THAT SUNLIGHT WOULD ACCEPT PICTURES SUBMITTED AS PROOF OF INSTALLATION AND I WOULD BE NONE-THE-WISER. 
Sunlights response to XXXX REFUSAL to sign the paperwork was, although they were willing to cancel the loan XXXX stopped responding. With no consideration of my position and consistent communication to Sunlight about my problem, there have been no actions to verify my complaint only redirection to me that I did not cancel the loan in three days. Sunlight indicates that once the loan is booked and the system is SUBSTANTIALLY INSTALLED XXXX Provides pictures showing that this was the case as well as a letter from the utility company confirming that the system had been approved for interconnection and granted permission to operate. Sunlight states that regardless of the current status of the system at one point it was SUBSTANTIALLY INSTALLED. Sunlight, please explain the meaning of SUBSTANTIALLY INSTALLED. 
This is a one-sided loan agreement in favor of XXXX and with no consideration for me. I was not provided a contract from XXXX until XXXX. I did not receive a 3 Day Notice of Cancellation. I also did not receive my contract from Sunlight Financial immediately either. Therefore my right to cancel was taken away. This may be an unusual situation which is why Sunlight should have investigated the problem before now unless this is business as usual per solar home improvement loans. 
I am beyond insulted. Sunlight, please show me where it states in the loan documents that I have to pay for the system even if it is not completely installed and doesnt work. Had that been pointed out I would not have agreed. It makes no sense for me to go through this expecting the system not to be installed completely operational. Please show me where it states in the loan contract that I am obligated to repay the loan even if the system doesnt or never works. It states that once my credit is approved and the solar is installed the lender will advance the funds to pay the solar loan. Also, the lender will not advance funds until after installation. It states the installation may take 180 days before the loan is set but nowhere do I read that it doesnt matter if the system ever operates or not. I have asked both XXXX and Sunlight to review the documentation package/pictures provided by XXXX with me. No response. Sunlight, how can you say regardless of the current status of the system when this has always been the status of the system? I signed the contract with XXXX on XX/XX/XXXX, and they attached the panels to my roof six days later on XX/XX/XXXX, and did not return to finish the job. The problems began after three days and got progressively worse. I was trying to get XXXX to finish the work but they had one excuse after another until I was able to get some help to file a complaint with the Texas Department of Licensing and Regulations. 
XXXX never communicated with me that they had changed their mind and decided that they were compliant with Sunlights loan requirements and refused to sign the paperwork to cancel my loan as promised. 
DEBT-ORIGINATED FRAUD : XXXX XXXX sold me solar panels at my home for which I was approved through Solar Mosaic for {$55000.00}. I later discovered that XXXX XXXX intentionally switched the financing to Sunlight Financial where I was prequalified for {$70000.00} without my knowledge. When I asked why the price difference he said that he didnt know but it must be the price with taxes. In addition, I did not receive a CONTRACTORS CONTRACT from XXXX XXXX until XX/XX/XXXX, and it was well past 30 days before I received a link to review my contract from Sunlight. 
It is documented that I have been working very hard advocating for myself regarding funds advanced on my behalf for a defective product and service. Please help me. Thank you.

Company response to consumer: Closed with explanation