Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
In XXXX 2022, I entered into a contract with XXXX XXXX ( also known as XXXX XXXX XXXX ) for the installation of a residential solar system at my home. The project was financed through a loan originated by XXXX XXXX Bank and facilitated by Sunlight Financial. The system was installed in XX/XX/XXXX and received permission to operate in XX/XX/XXXX. I began making payments as required. Shortly after installation, in early 2023, the installer ceased operations and filed for bankruptcy. As a result, I was left without any installer support, warranty service, or recourse for system-related issues. Since that time, the system has underperformed and has not produced energy at the level represented during the sales process. I also have concerns regarding the condition of my roof and the integrity of the installation, which can not be addressed due to the installer no longer being in business. I previously filed a complaint, and the response from Sunlight Financial stated that the loan obligation is independent of the systems performance and that I remain responsible for repayment regardless of the condition of the system or the installers bankruptcy. Why I Am Disputing the Companys Response : The lenders position ignores the failure of the underlying transaction. This loan was issued specifically for the purchase and installation of a solar system that was represented to perform at a certain level and include ongoing support and warranty coverage. Due to the installers bankruptcy, those essential components no longer exist. I have been left with an underperforming and unsupported system while still being required to repay a significant loan. The claim that the loan is separate from the systems performance disregards consumer protection principles, including the FTC Holder Rule, which allows consumers to assert claims and defenses against the lender that could be asserted against the seller. Additionally, these circumstances raise concerns under the Texas Deceptive Trade Practices Act, including misrepresentation of system performance, failure to disclose material risks, and delivery of a system that does not meet expectations set at the time of sale. I entered into this agreement based on representations that the system would generate energy savings and be supported by the installer. Those representations were material to my decision. The installers bankruptcy and lack of performance fundamentally undermine the value of what was financed. Requested Resolution : I am requesting that the lender re-evaluate the enforceability of this loan in light of the failed installation and lack of warranty support. I am seeking loan termination, modification, or other equitable relief that reflects that I have not received the full benefit of what was financed and have been left without recourse due to circumstances outside of my control.

Company response to consumer: Closed with explanation