Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
I am submitting this complaint due to deceptive, abusive, and unlawful practices related to a solar financing agreement associated with EnFin Corp . In XX/XX/year>, I was contacted by individuals falsely presenting themselves as affiliated with XXXX XXXX XXXX and claiming that my home required additional solar equipment to avoid future high electricity bills. Based on these representations, I was induced into entering a financing arrangement under false pretenses. I was explicitly told there would be no binding contract and that I could cancel at any time, which proved to be false. The additional solar panels installed have not produced the promised results. Instead, my electricity bills have increased significantly, and the system does not perform as represented. On XX/XX/year>, I sent a formal legal notice via USPS Certified Mail requesting cancellation of the contract, removal of any lien or UCC-1 filing, and cessation of all collection activity. This notice was successfully delivered and received by the company, as confirmed by USPS tracking records ( attached ). Despite confirmed receipt, the company failed to respond, failed to resolve the dispute, and continued collection efforts. I am including the following supporting documentation : - Copy of the formal cancellation letter titled : Cancellation of XXXX XXXX Contract XXXX and Removal of UCC-1 Lien - USPS Certified Mail proof of delivery confirming receipt on XX/XX/year> - EnFin Corp.s written response closing the complaint, which incorrectly claims there was no evidence and cites lack of response - U.S. Treasury Consumer Advisory on XXXX XXXX XXXX ( attached and linked below ) The companys claim that there was no evidence is incorrect and misleading. Documentary evidence was provided and is being resubmitted here. The closure of the prior complaint under the argument of lack of response is inaccurate and does not reflect the documented communications and legal notice previously sent. This case involves multiple violations, including but not limited to : False representation and deceptive sales practices, including false affiliation with a utility company ( XXXX XXXX XXXX ) Failure to provide contract and disclosures in Spanish, in violation of California Civil Code 1632 Failure to provide a valid Notice of Cancellation under the Home Solicitation Sales Act ( Civil Code 1689.6 et seq. ) Violations of the FTC Holder Rule ( 16 CFR Part 433 ) Violations of the Truth in Lending Act and Regulation Z Violations of the FTC Act Section 5 ( unfair and deceptive acts or practices ) Failure to obtain proper consent and lack of transparency in the financing process Filing of a UCC-1 lien without informed consent, affecting the title of my property This situation aligns with known fraudulent practices identified by the U.S. Department of the Treasury in its official consumer advisory : https : XXXX I am formally requesting : Immediate cancellation of the contract Removal of any UCC-1 filing or lien associated with this transaction Written confirmation that no financial obligation remains Immediate cessation of collection activity Assurance that my credit will not be negatively impacted A full investigation into the companys conduct and sales practices This complaint is being resubmitted with complete supporting evidence and reflects an unresolved dispute that was improperly closed. I request a full review and a formal response addressing all issues raised.

Company response to consumer: Closed with explanation