Consumer complaint received 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: KEYCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I was sold a Solar System from XXXX XXXX. The system was financed through XXXX XXXX on XX/XX/XXXX. Since the initial purchase, a plethora of issues have taken place including, but not limited to, - Gross and Willful Misrepresentation and Misconduct in the Performance of the Solar Service and Equipment, herein referred to as, " the equipment ''. 

- Willful Falsification of Documentation and Financial Contracts, False Certification and Forgery. 

- Financial Lending Fraud includesFudiciaryBreach of Duties, Deformation to Credit File, and Gross Negligence. 

- Deceptive and Unfair Trade Practices ( FDUTPA ) and constitutes grounds for actual damages. 

Resulting in nearly 7-months time having lapsed. 

To-date, XX/XX/XXXX the system has NOT met the legal criteria of Installation where the solar system remains in a NOT ACTIVE state. 

NOT INSTALLED specifically means that XXXX XXXX  has not completed their scope of work and responsibilities, which requires a FINAL INSPECTION to be performed by the City of XXXX, Florida. 

NOT ACTIVE specifically means, a XXXX XXXX has NOT requested or installed by XXXX XXXX XXXX  XXXX, as of the date of this complaint. XXXX XXXX submitted a Letter of Completion to Dividend Finance on XX/XX/XXXX. 

This Certificate of Completion is deceptive, fraudulent and misrepresents factual information pertaining to the equipment status, and system size of the solar system. 

This includes architectural plan revisions that require approval by the City of XXXX have NOT been submitted to reflect the revised number of solar panels, and the revised solar production size. 

One of many Problems were identified with XXXX XXXX following the first installation in XX/XX/XXXX, and includes, the installation of a REDUCED SIZED SOLAR SYSTEM and is significantly different than what was contracted for originally. 

I learned at this time that the original contract I attempted to sign for digitally was for a {$44000.00} dollar system. The contract had been replaced by another contract in the amount of {$33000.00}, that I DID NOT sign whatsoever. It's important to note that during the initial sale, while I attempted to digitally sign, a second screen that contained the signatures of at least 50-100 other people appeared. I noted this to the salesman and he immediately took the tablet back and said, no problem you're all set and did not hear anything more from XXXX XXXX, until the night before they wanted to install. 

It was following the install where an electrician came out and downgraded the service to my home when it was discovered that the system was undersized and NOT what was contracted. I immediately contacted XXXX XXXX and when they were reluctant to accept wrong-doing, I proceeded to contact Dividend Finance in writing and phone to detail the abundance of issues occurring and to specifically ensure that Dividend Finance DID NOT begin billing me until XXXX met the production requirements, performed the additional installations, inspection from the City occurred, AND the solar system was active on the power grid and producing power. I learned at this time that Dividend had established ACH test transactions, without my consent where I contacted them and Dividend confirmed the ACH was removed. I have written to Dividend and included them in more than 50 emails times detailing the countless problems endured where I state at the closing of each letter, Dividend is NOT AUTHORIZED to proceed until I have personally provided written consent due to the abundance of fraud, deceit, and similar issues described herein. I have learned since XX/XX/XXXX that XXXX XXXX and KeyBank XXXX has been performing multiple and ongoing unauthorized Hard Inquiries to my credit since the initial credit approval in XX/XX/XXXX. 

The blatant and unauthorized misuse has impacted my credit score and worthiness by almost 100 points since XX/XX/XXXX where I have documented this with XXXX and KeyBank XXXX stated that arbitration may be necessary due to the financial impact they've caused. 

Furthermore, I received an email on XX/XX/XXXX from KeyBank, stating they were to begin to ACH my bank account for the solar system. However, I have never attempted to, nor authorized KeyBank to obtain credit, nor have I provided them banking information, nor ever provided approval for ACH transactions. 

XXXX formal response to this was, the terms of the contract state that they may begin billing after 60-days of completion. This is when I learned that XXXX XXXX misrepresented a Completion Certificate as noted prior. However, completion requires an inspection to be considered complete, which the XXXX XXXX XXXX for XXXX, confirmed no such request for inspection, nor revised plans have been provided, nor been approved. 

Today on XX/XX/XXXX, I received a courtesy call from Keybank stating that I was in my grace period to make a payment. It appears that these finance companies are attempting to strong arm payment, for a system that does not legally function whatsoever. 

It is imperative that these companies be investigated, specifically XXXX  XXXX and XXXX XXXX as they have hindered my ability to refinance my home at a significantly lower rate, causing me in excess hundreds of thousands of dollars in damages at no fault of my own. 

As of XX/XX/XXXX, all permits related to this construction have expired with the City of XXXX. This implies that XXXX XXXX breached the basic requirements of Construction Abandonment, which may forfeit any legal or contractual obligations related to XXXX XXXX  and or, KeyBank. 

This complaint depicts a fraction of the ongoing and horrendous efforts of financial abuse and consumer fraud. I need assistance in the remediation of this matter. 

All issues have been extensively documented and presented to all parties involved.

Company response to consumer: Closed with explanation