Consumer complaint received 2026-05-04 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: FL

Complaint narrative:
I am submitting an additional complaint regarding my solar loan with Dividend Solar due to the lenders continued failure to properly investigate and respond to my formal written dispute. This complaint follows both my prior CFPB complaint and multiple direct written communications with the lender, which have not been substantively addressed. I previously filed a complaint regarding this solar loan, which was closed after the lender responded that they are only the financing company and directed me to contact the manufacturer. This response did not address the core issues raised. Following that response, I took further steps to formally dispute the matter directly with the lender. Formal Dispute Timeline : XX/XX/XXXX Submitted Formal Notice of Dispute to Dividend XX/XX/XXXX Submitted supplemental documentation XX/XX/XXXX Sent follow-up request XX/XX/XXXX Sent additional follow-up requesting escalation Dividend did not acknowledge or respond to any of these communications. On XX/XX/XXXX, Dividend issued a response through the CFPB stating that their position has not changed and referencing a prior letter dated XX/XX/XXXX. This dispute concerns the enforceability of a solar loan tied to a system that has experienced ongoing issues and is no longer supported due to the installers XXXX XXXX bankruptcy. At the time of sale, the system was represented as including : XXXX workmanship warranty XXXX labor warranty Lifetime roof penetration warranty Long-term service and system support The installer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and is no longer operating. As a result, the installation-related warranties and service obligations that were central to the agreement are no longer available. Additionally, the system has experienced ongoing issues since shortly after installation, including recent monitoring failure beginning XX/XX/XXXX due to a XXXX communication issue confirmed by XXXX XXXX. Resolution of this issue requires on-site service, which now requires hiring a third-party installer at my expense. The primary concern in this complaint is not only the underlying issue, but the lenders handling of the dispute. Dividend has : Failed to acknowledge receipt of my formal written dispute Failed to respond to multiple follow-up requests Failed to address the substance of my dispute in any meaningful way Repeated a generic position without addressing the specific facts presented Their XX/XX/XXXX response did not address : The installers bankruptcy The loss of installation warranties The inability to obtain contracted service The documented history of system issues My formal dispute submitted directly to the lender This matter involves a failure of consideration and the inability of the financed system to fulfill essential contractual terms due to the installers absence. The lender has not addressed whether the obligation remains enforceable under these conditions and has not conducted a meaningful review of the dispute.

Company response to consumer: Closed with explanation