Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GF SunStrong Management Holdings, LLC
State: AZ

Complaint narrative:
I am a homeowner disputing the validity of an alleged consumer credit contract balance ( Contract ID : XXXX ) ( Sunnova_So ... pp. XXXX, XXXX ). The contract was originally financed through Sunnova Energy Corporation on XX/XX/XXXX, arranged by the XXXX XXXX XXXX XXXX, and has since been taken over by SunStrong Management, XXXX ( XXXX ... pp. XXXX, XXXX, XXXX - XXXX ... p. XXXX ). I am formally disputing the remaining balance under the Federal Trade Commission ( FTC ) Holder in Due Course Rule ( 16 CFR 433.2 ), which is explicitly integrated into Paragraph 28 of my Retail Installment Contract ( XXXX ... p. XXXX ) .The originating XXXX, XXXX XXXX XXXX used highly deceptive trade practices to induce the signing of this {$47000.00} agreement ( Sunnova_So ... pp. 1, 5 ). On XX/XX/XXXX, salesperson XXXX XXXX explicitly promised that a federal tax credit of {$14000.00} would be received as a liquid lump-sum cash refund check to pay down the system balance at XXXX XXXX ( XXXX ... pp. XXXX, XXXX, XXXX ). He explicitly represented this as money " we get back '' on his presentation tablet to ensure our monthly payment would remain locked at a low rate of {$260.00} ( XXXX ... pp. XXXX, XXXX, XXXX - XXXX ... p. 7 ) .This was a severe misrepresentation. The credit is a non-refundable tax liability adjustment ( XXXX - Fu ... pp. 2-3 ). Because there is no immediate tax liability, no cash check exists, causing the monthly loan bill to automatically spike from {$260.00} to {$390.00} ( Sunnova_So ... pp. XXXX, XXXX, XXXX - XXXX ... p. XXXX ). In a written email exchange on XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the non-refundable nature of the credit but completely refused to lower the bills or remedy the fraud, stating that it was the consumer 's fault for not having a tax expert present at the sales pitch ( XXXX - XXXX ... pp. 1, 7, 11 ) .Furthermore, on XX/XX/XXXX, an independent inspection revealed that XXXX XXXX XXXX installation crew improperly drilled screws through my roof, cracking and splintering my home 's underlying structural support beams ( XXXX - XXXX ... p. XXXX ). While XXXX XXXX acknowledged the damage in writing and sent a crew to apply surface patches, the underlying structural integrity was never fully engineered or resolved before they dissolved ( XXXX - XXXX... p. XXXX ). Additionally, XXXX XXXX failed to install bird mesh, resulting in an active pigeon infestation nesting under the panels and causing active property damage ( XXXX - So ... p. 1 ). Fusion Power then attempted to extract an additional {$1000.00} from me to install the omitted netting ( XXXX - So ... p. 3 ) .Under the FTC Holder Rule, SunStrong Management legally inherits all claims and defenses I hold against the seller ( Sunnova_So ... p. 31 ). Because this entire account is rooted in XXXX fraud, material omissions, and structural property damage, the debt is completely invalid. I demand that SunStrong Management cancel the entire {$47000.00} balance, halt all collection activities, and remove the UCC-1 fixture lien from my title ( XXXX ... p. 1 ).

Company response to consumer: Closed with explanation