Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Who : Dividend Finance XXXX. Aggressive and Misleading Sales Practices Dividend Finance partners with various solar companies to provide financing for consumers. The solar companies affiliated with Dividend Finance have demonstrated aggressive sales tactics and have provided materially misleading information to influence purchasing decisions. In XXXX, we entered into a solar contract after being explicitly assured by the sales representative that the solar panels could be relocated to another state. This representation was critical to our decision, as both my wife and I are active-duty military and relocate frequently. Our purchase was entirely contingent upon the ability to move the panels. In XXXX, while already under contract with a buyer for the sale of our home, we learned that the panels were not transferable. As a result, we were forced to include the solar panels in the home sale, contrary to the conditions under which we agreed to the original contract. 

XXXX. Incentive Payment Payoff Issues During the process of selling our home and initiating a loan assumption for the buyer, we were informedonly at that stageof an undisclosed incentive payment requirement. Approximately {$9000.00} had to be paid before the loan assumption process could begin. Beginning in XX/XX/XXXX, I made numerous calls and sent multiple emails seeking clarification, potential alternatives, or relief under the Servicemembers Civil Relief Act ( SCRA ). After significant effort, I was finally informed that I could submit a waiver request allowing the buyer to assume the incentive payment as part of the loan. The buyer agreed to this arrangement. 

Given our scheduled closing date of XX/XX/XXXX, time was critical. Dividend Finance provided an estimated approval timeline of XXXX  days. Despite this, more than a month passed with no decision, and it became clear that the delay was the result of intentional stalling. To avoid losing our buyer and facing severe financial hardship, I was forced to take out a highinterest personal loan to pay the incentive amount myself. 

Additionally, we were told that we would receive an SCRA-related letter by mail. This was untrue. We maintain complete XXXX tracking records and have no record of any correspondence from Dividend Finance. 

XXXX. Incorrect Application of State Law We are still awaiting the UCC Termination from Dividend Finance, which is required to finalize the sale of our home. Dividend Finance has stated that the buyer must fully close on the home and the title must be transferred into the buyers name before they will release the UCC termination. This requirement directly contradicts XXXX  law. 

We have already paid the incentive balancevia a personal loanand submitted all required documentation. Dividend Finances refusal to follow proper legal procedure has caused additional delays and financial strain, compounding an already difficult situation. 

XXXX. Customer Service Concerns Dividend Finances customer service has been consistently unprofessional and unhelpful. We have encountered multiple representatives who were dismissive, rude, or unwilling to assist. Calls have been abruptly disconnected, and we have been repeatedly transferred to incorrect departments in what appears to be an effort to avoid addressing our concerns. Requests to speak with a manager were met with assurances that a callback would be arranged, yet no manager has ever contacted.

Our Situation We are dualmilitary, activeduty XXXX service members. We received PCS orders that required us to sell our home through a short sale. Our original closing date was XX/XX/XXXX. Due solely to Dividend Finances delays, misinformation, and refusal to act in accordance with state law, our closing date had to be postponed, placing us under significant financial and personal hardship.

Company response to consumer: Closed with explanation