Consumer complaint received 2024-09-08 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: Sunlight Financial LLC
State: TX

Complaint narrative:
I entered into a signed agreement with XXXX XXXX, a representative of XXXX, XXXX XXXX on XX/XX/XXXX. The system, she said would be delivered and installed by XXXX : however, delivery and install of the XXXX system did not happen until late May. The sales pitch was that I would have virtually no electrical bill due to solar systems production and that I would receive a tax rebate of {$7700.00} to facilitate the early pay-off of the system if applied to the XXXX XXXX installment plan. The system was financed through Sunlight Financial at a rate of .99 % if payments were XXXX which resulted in a monthly of approximately {$100.00} and some change. This payment would change and increased to {$140.00} and some change if the rebate in the amount of {$7700.00} was not applied or paid toward the principal by the due date on or before the XXXX month. Well, the stated rebate-promised/stated rebate never happened. See the video link below. 
https : XXXX? XXXX Now back to the install of solar system. Upon the completion of the system, I began to receive utility bills XXXX times more than I was paying without the system. I called the company XXXX XXXX XXXX XXXX ) to tell of this acute increase in my billing statement. It wasnt XXXX XXXX that I spoke with, but a XXXX was now the spokesperson for the entity. She vowed to assist me the problem and find some kind of resolution. I repeatedly told her that it appeared as if the solar system itself was the cause of the sharp increase. My usage went from XXXX kilowatts to XXXX hr. per month immediately after the system was put in operation. She and others blamed the utility company and agreed to speak with them to make sure that the meter readings were correct and to make sure that the surplus or over-production of solar power was being credited towards the bill. We called them all-we called the servicers and the delivers of the electricity to determine if all the settings and meters were properly in place. All of them assured us that everything concerning the meter setup was in place and correct. Months of this would go on-back and forth with providers and the delivery company. By this time, I am on my third provider due to not being able to satisfy payment of the humongous bills -- XXXX, XXXX, and XXXX. XXXX promises to have technician out to home to affirm a correct and proper install of the system and a promise to pay the high bills from the utility companies by the owner XXXX & an associate named XXXX XXXX XXXX father was part owner of the entity with XXXX. In the meantime, Im trying to mitigate as much as I possibly can. I scaled back my usage of all power that my family could stand. I am XXXX to 7 months into the system when finally someone come to check the system. I can not recall the name of the person but all he said was that the meter is running backwards and that faut lies with the delivery of the XXXX. So, I move to deal with XXXX who says in return that the issue is the system itself the installation thereof. 
I call XXXX & send out blast texts to all XXXX associates and representative on a regular to see if anyone could or would rescue me from what Ive encountered. I had to do this every chance XXXX got-sometimes very early and sometime very late because the answering of my call had become null and void. Finally I get a call from a XXXX or a XXXX who says my dealing is not with him but call XXXX. I ask who XXXX and he is tells me XXXX XXXX is the owner of the company. I called him and he said that someone would be out to check out the system. Again months go by and still no one shows up. I again start to call and or send out blast text to get some attention. I get a call from XXXX XXXX who tells me I can not be bugging his team so early. He said for me to deal with him only and not be sending out text messages to them guys again -- he begins to isolate me. My dealing with him proved futile as well. I was told by his reps/associates that my high billings would be taken care of until they could get to the bottom of the issue. He told me to send him my billing statements that amounted about {$1500.00} for and he sent a check for like {$600.00}. Again, months would pass with no response from the company. I continued to mitigate the expense of powering my home. I also became suspicious of the XXXX XXXX XXXX entity and started to investigate and inquire answers online. I made claims and reports to BBB. I had roofers to install extra wind turbines which amounted to {$1200.00} in the roof which I never needed before. XXXX installed, light bulbs changed, new heat pump XXXX unit all of which I never needed prior to the installed solar system. I even called the manufacturer of the installed inverter to see what could be done to alleviate the high energy cost of powering my home and to tell of an out of business rumor of the entity. On XXXX different occasions I spoke with a XXXX XXXX, XXXX XXXX who suggested I move on and locate another entity to service the system because the system appeared to be grossly under producing from the interview on the phone. In following their suggestion no one but no one would consent to touch the work of another company or XXXX due to possibly liabilities. Also to get someone to work on or check out the system could possibly cancel out the warranty that supposingly came with the equipment. They gave a lot of reasons for not assisting in the efforts and said that it would be at least $ XXXX for the efforts not including travel to my site. XXXX reason they gave really caught my attention and that was the fact that many of these XXXX did not obtain proper permits to install the systems and suggested that I write or contact the agency for licensed electricians. To add salt to the injury, I went to the XXXX of XXXX to see if I could obtain information on the licensed electrician who performed the install only to found out that no such permit to perform any electrical work on my home was obtained. There I spoke with a XXXX XXXX who told me that no permit existed for such a job! Now I am faced with legality issues and transgressions of city ordinances. I thought to seek legal avenues, but no lawyer would even consider the issue for me. They all suggested that I stop all payment, but this would further jeopardize a perfect credit reporting that is already tarnish by the utility companies reporting not pay outstanding monthly bills. 
XXXX stated above, I am left to take actions of reporting, researching, and investigating in my own hands since no resolution was arrived at. This is what I have so far : XXXX mounting complaints against XXXX XXXX XXXX XXXX XXXX BBB ( all are similar to XXXX XXXX, communication, & etc ; XXXX out of business and/but operating in the same industry under a new name and identity -- Sunset XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts of XXXX XXXX, OK against XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX https XXXX XXXX XXXX XXXX XXXX XXXX... ) I spoke with the XXXX XXXX attorney, XXXX XXXX, to ask if I could join XXXX XXXX a witness in the case. He thanked me for the call and offer but stated that he was not sure if there would be anything profited but that he would keep my contact information should anything positive come out of the suit. I am the one who told him and the BBB that the entity was using another name to maintain his devious practices in the industry. XXXX. Sunlight Financial LLC has its share of complaints and perils-internal & through the BBB. By way of email correspondence, I received approximately 6 months worth of installments notifications. I knew this because I had to register my account online to make the payments. When I noticed that no billing correspondences were no longer coming through the email system, I went to the customer portal to check what was happening. Some how or another I was direct or directed to call a Launch Servicing ... I also discovered an email from them dated XX/XX/XXXX stating... Dear XXXX XXXX, There is an important document available for you from Launch Servicing, LLC for account number ending in XXXX. Please log in to your online account and select XXXX Account, then Account Documents and Correspondence to view this important account communication. 

Please do not respond to this message. To respond, send a message from your online account or call us at ( XXXX ) XXXX. 

You are receiving this email because you signed up for electronic communication through XXXX XXXX, XXXX. If you would like to stop receiving email notifications and resume receiving paper copies of your account documents, you XXXX change your delivery preferences once you are in your online account. 

Thank you, The Launch Servicing, XXXX Customer Service XXXX '' At this point, I am asking questions because I had never heard or had an account with any Launch Servicing, so I called the number. Sunlight XXXX never disclosed any such information or a transfer of the account to me about any intent to have a XXXX XXXX handle the installment payments. Neither did I consent to such a move or transaction. I had no choice in the matter but had to continue to pay to keep my credit report in good standings. Now, as a result of the unbeknown transfer, on my credit report it shows I have XXXX separate accounts for the original installment XXXX XXXX XXXX XXXX XXXX for XXXX XXXX transaction. The impact is and has an erroneous affect on my credit worthiness as it relates to income to debt ratio! Also, Launch Servicing reps are not any assistance to my cause at all. I reported to them case and argument, first on XX/XX/XXXX with no results until XX/XX/XXXX stating Message about servicing XXXX, The email that was sent on XXXX " Hello XXXX XXXX, Please see attached XXXX letter XXXX issued in XXXX. We understand you XXXX be experiencing some issues with the performance of your system. However, Sunlight XXXX is not responsible for maintenance of the solar system. If damages have occurred or an item needs to be addressed, we recommend reaching out to your systems manufacturer, or a solar provider in your area to get the item serviced. '' XXXX Customer Service '' Prior to that response, the reps said that should request a postponement of payment form until a solution could be found and arrived at and if the issue isn't solved continue to request the postponement. I did that and it was granted. But here is the kicker, I called be to see what was the hold up on arriving a solution to my case and the rep said that it had been closed so she had to open another case for the same complaint. Also my advised " file again for a postponement was denied because they said to that I needed to make the request closer to the due date? Wow! I not sure how much closer I should have requested before payment and draft taken place. I am cursed if I do and damned if I don't, huh? This is my plight with this company XXXX XXXX XXXX, XXXX XXXX, & Launch Servicing! All the while my payments have been timely and my part of any agreement made has been upheld to the best of my ability and with integrity. The consumer deserves better!

Company response to consumer: Closed with explanation