Consumer complaint received 2023-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NBT BANCORP INC.
State: TX

Complaint narrative:
NBT Bank and XXXX XXXX FACTS : XXXX. In the spring of XXXX I purchased solar from XXXX XXXX and financed by NBT Bank XXXX XXXX, NY. XXXX. Like other solar companies I spoke with, both NBT Bank ( XXXX ) and XXXX XXXX misrepresented the manner in which I would receive my Federal Tax Credit. They both said that I would receive the {$17000.00} plus on my tax return and that I had 18 months to pay this amount to NBT Bank, or my payments would increase {$100.00} per month. Receive additional amounts on my tax return was nothing new to me, as I raised my child with a low income and consistently receive more than I payed in. XXXX. Upon filing my wife and my XXXX taxes, I discovered that I would only receive {$3400.00} in solar tax return and that the then now, remainder of the {$20000.00} would be rolled over for 5 years. This violates FTCA Section XXXX dealing with Unfair or Deceptive Acts, because they assure me that I would receive the credit on my next tax return. Both of the contracts of NBT and XXXX violates the FTC on " Clear and Conspicuous '' What they said and what happened were XXXX different things, and this is happening ALL over the solar industry. XXXX. I called NBT Bank to try to get them to restructure the note, but no one would ever return my call. I decided to stop the auto pay and close my bank account in attempt to get NBT Bank to the bargaining table. XXXX. NBT Bank started their collection process and for at least the first XXXX contacts, NBT never informed me that " this is an attempt to collect a debt '', and NBT Bank never informed me that they would be reporting me to the credit bureaus, resulting in my credit score tanking XXXX points in XXXX day. As a result, I have had XXXX credit card companies drop my limits from {$5000.00} down to {$500.00}. XXXX. My wife was so disturbed by this and other events connected to the situation, that she moved out a month and a half ago. However, she is a collections manager for a large bank in XXXX XXXX Texas, and she says that NBT bank is violating OCC and FTC regulations. My XXXX personal bankers, XXXX is a President over multiple branches, are both baffled at how NBT Bank can get away with their fraudulent practices. XXXX. NBT Bank has not cooperated with me at all, even though I have stated every time that I want to pay my bill. NBT attempted to turn my system off remotely and when that did not work, they sent contractors to my place to do it manually. I was not home and the gate was shut. They left a letter in the weeds XXXX feet from my gate. Before this, the wind destroyed my ground mount system, on XX/XX/XXXX, because of faulty installation. XXXX finally warrantied their product as of XX/XX/XXXX. NBT Bank and XXXX XXXX are both crooked, and there are plenty of similar reports all over the internet. This has caused me physical, mental and financial hardships. I am legally XXXX. However, I do have a lump some to pay NBT Bank, but I do not believe they deserve XXXX dime, because of the injuries and violations that they have caused. I do have all dates and copies

Company response to consumer: Closed with explanation