Consumer complaint received 2025-12-04 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: Alorica Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding my solar loan serviced by Systems & Services Technologies ( SST ), Loan Account # XXXX. The loan was based on a solar installation contract from XXXX  XXXX, a company that went out of business approximately two months after installation. The merchant abandoned the project and failed to deliver major contracted items, failed to provide required service and labor warranty obligations, and caused significant out-of-pocket financial damages. 

Timeline of Events : Solar panels were installed in XX/XX/XXXXXXXX  The system received Permission to Operate ( PTO ) and was activated in early XXXX XXXX XXXX  XXXX  went out of business immediately afterward and has never returned to my home Non-Delivered Contracted Equipment : The following items were included in my signed solar proposal and formed part of the financed total of {$66000.00}, but were never delivered or installed : 3.5 Ton 16-SEER AC Unit 1.5 HP Variable-Speed Pool Pump 60-Gallon Hybrid Water Heater These items represent a significant portion of the projects value and were part of what I financed. 

Out-of-Pocket Financial Damages : Because the contractor never delivered this equipment, I was forced to replace it myself : Replacement AC system : {$9900.00} Replacement pool pump : {$2000.00} Hybrid water heater was never provided ; the market price is approximately {$3000.00} I experienced {$14000.00} in direct financial damages, and still have not received everything I paid for. 

Service and Warranty Obligation Breach : XXXX XXXX contract required them to provide labor warranty support, follow-up inspections, workmanship corrections, and ongoing service for the system. Because the company closed immediately after PTO, I permanently lost all labor warranty and service coverage that was included as part of the financed agreement. I have received no service visits, no inspections, and no post-installation support since XX/XX/XXXX. 

Dispute With SST : I sent SST a formal written dispute requesting : A full investigation Documentation used to validate/board the loan A review of non-delivery Evaluation of merchant abandonment Assessment of lost service/warranty value Adjustment/reduction of the financed amount Suspension of negative credit reporting during the dispute SST has not provided the documentation I requested and has not resolved the dispute. 

What I Am Requesting From the CFPB : I am asking the CFPB to ensure SST : Fully investigates the dispute Provides all origination and merchant documents Accounts for non-delivered equipment Accounts for my {$14000.00} in financial damages Accounts for the complete loss of service and labor warranty obligations Reviews whether the financed amount must be adjusted Ensures my credit remains protected during the dispute This is a clear case of merchant failure, non-delivery, and abandonment, all of which SST is responsible for under the FTC Holder Rule.

Company response to consumer: Closed with explanation