Sunlight Financial LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/20/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 90260	Web
XXXX I purchased solar panels and a new roof from the salesman ( XXXX XXXX of XXXX XXXX XXXX ; it was financed through Sunlight Financial. The roof was completed and solar panels installed by XX/XX/XXXX. However the payments are processed by XXXX XXXX XXXX XXXX. When I purchased the roof and solar panels XXXX explained that I could apply for a federal residential tax credit using a form XXXX. The federal tax credit or residential energy credit, would be XXXX and if I voluntarily gave that money to Sunlight Financial my monthly payments of XXXX would remain the same after the XXXX payment. However if I kept the XXXX my payment would increase to XXXX after the XXXX paymentthe following is the wording in the contract ( full contract attached ). This section of the contract is my issue : Monthly Payment : {$150.00} for the first XXXX payments, increasing to approximately {$210.00} if the 26 % voluntary payment of {$11000.00} is not paid by the XXXX payment. There are no prepayment penalties. However, when filing my taxes, form XXXX took into account all my improvements ; the new doors, roof, and solar panels. My residential energy credit was only XXXX not the XXXX strictly for the solar panels. When I first contacted Sunlight regarding my concerns with this payment of XXXX in XXXX of XXXX I was told to contact XXXX XXXX XXXX XXXX. The credit union stated that it didnt matter that I didn't receive the XXXX from the energy credit I will still have an increase in my payment if I don't pay them the XXXX by the XXXX payment. I told the XXXX XXXX XXXX XXXX representative that this XXXX seems more like a balloon payment although it is not being referred to as one. All In told me to contact Sunlight because they have nothing to do with the contract terms. I contacted Sunlight again ; per their website it directed customers to text them which I did twice in XX/XX/XXXX but did not receive a call back. I posted the following XXXX review of the company on XX/XX/XXXX : " I contacted sunlight via text 3 times ( for some reason they don't take direct calls ) and received a generic message that someone would contact me... .a week later still no response! I am a new customer and have questions regarding my contract but clearly customer service is not a priority ; I would never recommend this company to anyone! '' On XX/XX/XXXX I received the following email from Sunlight : " Thank you for providing your feedback and letting us know about this issue, XXXX. We set a high standard for ourselves and are truly sorry to hear that standard was not met in your interaction with us. Please get in touch with us on ( XXXX ) XXXX and we'd be happy to help you out. Regards, Sunlight Financial '' I called on XX/XX/XXXX, but was put on hold for an extended period of time and finally hung up. I sent them the following email instead on XX/XX/XXXX : I am writing this letter to express my serious concerns and dissatisfaction with the terms and conditions of the XXXX XXXX purchase agreement ( hereinafter, the " Agreement '' ) that I entered into with Sunlight Financial on XX/XX/XXXX. As per the Agreement, I agreed to make payments for the first 17 months in the amount of {$150.00}, with the payment increasing to {$210.00} from the XXXX month onwards, unless a " voluntary payment '' of {$11000.00} was paid by the expiration of the XXXX payment. Upon careful examination of the Agreement, I have identified two primary issues that require immediate attention and resolution : 1. Breach of Guarantee : During the negotiation of the Agreement, it was explicitly represented to me that the " voluntary payment '' of {$11000.00} would be based on the amount of residential energy credit I was entitled to receive from the IRS. XXXX from XXXX XXXX ( I can't locate his last name but his email is XXXX ) was the sales representative who told me about the credit and assured me the credit was assured to be no less than {$11000.00}, forming the basis of my decision to proceed with the solar panel installation. However, to my disappointment, the total amount of residential credit I received from the IRS for the installed solar panels only amounted to {$7800.00}, significantly less than the guaranteed amount. This significant discrepancy has put me in a financially compromising position, as the " voluntary payment '' was contingent on receiving a specific amount of tax credit. I firmly believe that Sunlight Financial has failed to honor the guarantee, resulting in a breach of contract. 2. Potential Illegality of Balloon Payment : I have become aware that the " voluntary payment '' clause in the Agreement may constitute a balloon payment arrangement. This type of payment structure is governed by specific regulations under California statutory and case law. However, the contractual terms do not expressly refer to this as a balloon payment or provide the necessary disclosures as required by law. This raises concerns about the legality and transparency of the payment arrangement. I have been advised to seek legal counsel to verify the legality of this clause, and it is essential for Sunlight Financial to provide clarification and justification for the inclusion of such a payment provision in the Agreement. In light of the above issues, I request that Sunlight Financial take the following actions to address and resolve the dispute : 1. Conduct an immediate investigation into the misrepresentation of the " voluntary payment '' guarantee and provide a detailed explanation for the discrepancy between the assured amount and the actual residential energy credit received. 2. Provide a written response confirming that the " voluntary payment '' clause in the Agreement complies with all relevant laws and regulations pertaining to balloon payments in California. Include references to applicable stat utory and case law supporting the legality of the clause. 3. Offer a fair and equitable resolution to this matter, considering the financial strain caused by the misrepresentation and potential illegality of the " voluntary payment '' clause. I expect a prompt response within a reasonable timeframe from the date of receipt of this letter. Failure to address these issues satisfactorily may result in further legal action to protect my rights as a consumer under the laws of California. Please acknowledge receipt of this dispute letter at your earliest convenience. You may reach me at XXXX or XXXX if you require any additional information or documentation. I trust that Sunlight Financial will treat this matter with the utmost seriousness and work towards an amicable resolution. Thank you for your attention to this matter. I received the following generic replay from Sunlight XXXX XX/XX/XXXX : Hello, Thank you for contacting Sunlight Financial 's Customer Support Team. We have created your case, Case Number : XXXX. Our team will review your information and be in touch shortly. Sunlight Financial Support sunlightfinancial.com XXXX I received XXXX calls from XXXX ( no last name given ) of Sunlight ; she left a voicemail on XXXX regarding my complaint email. She stated she spoke to XXXX and XXXX of XXXX Renewables and they provided additional insight into my complaint. She said to call her at XXXX. I called 4 times but it went to voicemail ; each time I left a message asking her to call me back. I did receive a text from XXXX in XX/XX/XXXX stating that he heard from Sunlight regarding my complaint. He wanted to know what he could do but I let him know this was a contract issue that only Sunlight could address. I told him I was having trouble reaching XXXX and if he would call her and ask her to contact me that would be helpful. On XX/XX/XXXX I received another voicemail from XXXX stating she was sorry it had taken her so many months to reach out to me but she had issues with her system and just received access to my voicemails. She stated that she was sorry but she spoke to XXXX at XXXX XXXX prior to calling me and he advised her he spoke with me and quote unquote, everything was resolved. She stated if I should call support back at XXXX with any questions regarding the loan terms and that her team would be happy to assist me. I called Sunlight on XX/XX/XXXX to speak with her and the representative XXXX XXXX ) could not transfer my call to XXXX but accessed my complaint using the case number XXXX. However he couldnt answer my questions regarding the contract. I asked for XXXX last name but he was unwilling to provide it. He offered to send her an internal message but I asked him to have her email me ; I did not want anymore voicemail messages. Then I advised him I would be making a complaint through your agency.
08/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92801	Web
The California State Licensing Board has taken the most serious action available against Sunlight Financials XXXX and referred them to the Office of the Attorney General for legal action in connection with this loan. The recommended violations include, but are not limited to abandonment without legal excuse. I believe they used fraud, unconcionability, unfair surprise, and extreme unfairness to induce the contracts. Ive sent many letters to Sunlight Financial. The most recent letters, including the CSLB results, were sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( Compliance Counsel ), and Sunlight Financial Escalations Team reiterating contract breaches, abandonment and the unfair sales tactics that took place to induce the Loan Agreement. I requested cancelation of the loan, a full unconditional lien waiver, and removal of all references regarding the account from the credit reporting agencies. I also sent an official claim notice to the physical mailing address, as noted in the Loan Agreement to Sunlight Financial XXXX XXXX XXXX XXXX and the same letter was emailed on XX/XX/XXXX. I have been reporting to Sunlight Financial and XXXX since my first discovery of contract breaches on XX/XX/XXXX, but they have routinely disregarded these concerns to date, and instead of providing assistance Sunlight threatened and commenced action against me. Solar installation and financing contracts were signed on XX/XX/XXXX and XX/XX/XXXX. The installation deadline date was XX/XX/XXXX. Upon conclusion of XXXX, Sunlights XXXX made only one visit to my property, which was delivery of some panels to my roof. The job was abandoned and over 75 % is incomplete. Despite my many requests for advisement and installation, they never made any attempts or contacts whatsoever to discuss or arrange job completion. In addition to abandonment, Sunlights contractor resurfaced on XX/XX/XXXX but only to trick me into Signing an agreement that would release them from their contract but hold me to contract terms of {$36000.00} and 20 years of payments. This incomprehensible scheme provided a hush payment of {$3500.00}. I didnt sign the document and they reverted to their routine disappearing act. Sunlight Financial and their contractor, who are introduced as partners on the cover page of their contract, used a high pressure sales rep to secure installation and financing agreements. Despite the Loan Agreements Holder Rule disclosure, Sunlight is illegally holding me ( the customer ) liable for their and their partners negligence and fraud. Sunlight Financial is charging me for services and products that will never be realized due to illegal business practices, which include, but are not limited to abandonment. On XX/XX/XXXX I received a written response from Sunlight Financial Associate General Counsel, XXXX XXXX. Instead of providing assistance, XXXX XXXX validated the abandonment and other concerns I had raised, by exploiting an open-ended line, in the Note, that reads, The System does not need to be connected to a power grid or operating to be considered Installed for purposes of this Note. XXXX XXXX misappropriated contract terms to trick me into believing it means, The System NEVER needs to be connected to a power grid or operating to be considered installed In the same letter XXXX XXXX confirmed and acknowledged that the system was not installed or even substantially installed by volunteering the following statement, installation required a main panel upgrade and relocation of the main service panel all of which was never done. XXXX XXXX letter contradicts his own statement by also claiming that my allegations are entirely unfounded. XXXX XXXX XXXX further exhibited unconscionable actions by deceptively stating that the Loan Agreement is by and between me and XXXX XXXXXXXX XXXX and therefore Sunlight Financial doesnt have the authority to cancel any of my obligations under the loan agreement. The definitions section of the Loan agreement makes clear that, for purposes of the Note, XXXX XXXX XXXX and Sunlight Financial are one and the same by stating, We, us and our mean XXXX XXXX Bank, located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( Lender ), and any subsequent holder of this Note. The Lien, the Note definitions section, the Loan Agreement cover page, and the XXXX certificate all prove that Sunlight is the Note-holder and has authority to cancel the agreement. I believe Sunlight and their partner used fraud, unconcionability, unfair surprise, and extreme unfairness to induce the contract, and derelict their contractual duties. THE HOLDER RULE applies to this contract and as such, Sunlight Financial must abide : The Holder Rule is a federal regulation intended to help consumers when a defective or fraudulent product or service is purchased with credit extended directly by the seller or arranged by the seller. If the seller ( 1 ) provided your financing directly or ( 2 ) has a partnership with the provider of your financing, you may be able to stop paying on the loan and possibly obtain a refund of any payments you made on the loan if a product or service is defective or not provided. All supporting documents referenced in this complaint were emailed directly to Sunlight Financial.
10/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 64050	Web
This began in XX/XX/2022 and is currently ongoing as I had contact with Sunlight on Monday, XX/XX/XXXX. Sunlight Financial has ignored my attempts to receive the original application I submitted to verify a loan for work performed in XXXX. I filled out XXXX application with strict instruction to XXXX salesmen at XXXX construction we both had to be on the loan. Borrower/Coborrower positions, my wife and I. Whichever was first didn't matter because it needed to help both our credit files. We received a denial that evening, my wife received an email the next day as being approved. The salesman informed us everything was approved he got us the loan so we can get the windows. Quote " I got it to go through, you guys are qualified, don't do anything. A few days later we received XXXX denial emails, got told to ignore those everything was in place. Before leaving we were informed most installs happen within XXXX weeks or less. We were of the opinion at this time we were both on the loan. We both received information in separate files to be signed individually. Thought it strange, I asked and was told that is just the way it was. Continue to fill out the info in XXXX. We both filled our information out. As the first XXXX week deadline approached, we reached out and didn't receive an answer multiple times, after it passed we were ignored more. The original contract with XXXX expired the end of XXXX, they extended this without our knowledge or consent. The local secretary told us, " There were problems at the company manufacturing the windows. ". At this time I cancelled through the email link on the main website because we did not approve of the extension. Another salesman contacted me and told to contact corporate, upon calling corporate I was routed to another salesman. When questioned about the ownership of the company and what the secretary said, he paused, signed and repeated the ownership sales line. I was also informed to call corporate again at the same number. A number that routed me to another local salesman In XXXX, received a call from an installer, informed him the contract was cancelled there is no contract/agreement in place, but I would still like them to be installed. He showed up the next day and started the installation. At this time, almost XXXX and XXXX months had passed, not just XXXX weeks. Installer was confused because he claimed installs happen within XXXX to XXXX weeks. When I returned home I was surprised to see a name on the windows that wasn't XXXX construction, as the biggest selling point was the claim they owned the manufacturer. I started searching the Ohio Secretary of state website, different representatives for the XXXX companies along with different addresses for those representatives.. I reached out to both and didn't get a response back verifying ownership. Upon completion, he handed a paper for a signature, claimed it was for him to be paid. Along with an approval from Sunlight Financial. I went to the website and tried logging in, and to my surprise, my information was rejected. When the local corporate manager (? ) was questioned he assured me the ownership was as stated, and the loan was setup the way it was for us to qualify, although it was in fact not what we had requested. To this day I have not received verification of ownership. I recently questioned the local salesman, and he referred me to the warranty paper. Claimed its on there. Sunlight informed me in XXXX call, they did not originate the loan they are only the servicer. When I asked who it was they refused to answer, and just said they could not be reached at this time. They also refused to pass along the contact information. The Sunlight rep has also told me that I was removed because I did not qualify. I was confused at how I was denied, with a $ XXXX a year job, I have since received a 30 % raise, but my stay-at-home-mom wife qualified with no income in XX/XX/XXXX years. They used her credit and my income against our wishes, without showing us another option, XXXX we would have denied because the payment would have been entirely too high. I have requested the XXXX applications filled out in XXXX or XXXX to verify the validity because something has not felt right for a while. My requests have fallen on deaf ears XXXX times. I have requested a fraud investigation be opened at Sunlight and also have been ignored. Sunlight refers me to XXXX for questions and XXXX refers me Sunlight, doesn't make sense. I have requested a call from XXXX XXXX, not a local individual and have yet to be called. The XXXX salesman this last week informed me that he told me about the loan when he returned the next day to measure the windows. I was at work and he was gone before I got home. When I told him this he then insisted he told my wife. She says he came to measure windows and left.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV XXXXX	Web	Servicemember
Good day to you, My name is XXXX XXXX. I am reaching out to you, regarding a time-sensitive matter, referencing XXXX XXXX XXXX XXXX XXXX Sunlight Financial, who was originally the entity presiding over my loan to XXXX XXXX XXXX XXXX This entity in question, XXXX XXXX, its supervisor, XXXX XXXX along with another salesman named, XXXX used deceptive practices on myself and my neighbors to selling each of us solar panels. Also, Supervisor XXXX XXXX and his salesman, XXXX both told me when I asked them if they had solar panels on their home? Supervisor, XXXX XXXX stated he had solar panels on his roof top for 4 years and his net meter bill with XXXX XXXXXXXX will never exceed {$14.00}, further stating on 4 different intervals, ( Im a creature by habit with repeating myself to others ) his net meter bill with XXXX XXXX has never exceeded {$14.00} and that it will never be due to where we live, XXXX XXXX, NV. The other salesman, XXXX stated to me he has had solar panels for three years and his net meter bill never exceeded {$14.00}. Also, myself and neighbor down XXXX XXXX from me, ( XXXX XXXX XXXX, contact info. is in the complaint I sent ) told the both of us, ( along with hearing the same thing from other XXXX salespeople told us all we would receive the credit in full for {$8700.00} when filing our taxes. I learned after the fact this was not true. Another lie told. My CPA was the one who informed how this solar credit works, and that he had heard the same story from his clients. I have done my due diligence in reaching out to officials in congress, seeking justice due to injustice done. In return I was given local resource information to further assist me and others. I pursued each resource given in seeking legal representation, ( Consumer law atty. ) citing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXXXXXX XXXX referral services. To no avail not XXXX of these entities was able to assist XXXX further. Nevada XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX all told me to reach out to Attorney General, XXXX XXXX 's office for further assistance. On XX/XX/XXXX, XXXX XXXX XXXX, the entity now presiding over my loan debited my checking account ( 8 ) times, totaling {$1300.00}. These charges were made fraudulently because they were never authorized. ( I filed a claim with my bank and received all monies debited from XXXX. ) I have attached my statements as proof to their fraudulent act. For the record, I never once set up any type of ACH with XXXX XXXX XXXX, neither could they produce such a document with my signature on it, giving them permission to do so. I always would call into XXXX monthly to make a payment, via debit card. Entering a contract with XXXX XXXX XXXX XXXX, they were to install XXXX solar panels, the panels I was financing. I guess I ran off at the mouth too much disclosing I live alone. Nine months and four installation visits later, due to many foul-ups with XXXX XXXX XXXX XXXX XXXX XXXX installed another manufacturing solar panels on atop my roof, ( REC. ) How I found out I do not have XXXX XXXX panels was when going on top of my roof top for cleaning. Also, I have reached out to XXXX XXXX XXXX XXXX, and to no avail, they refused to further assist me by not assuming any accountability for their wrongdoing. XXXX XXXX XXXX also never installed the pigeon guards around the solar panels on my roof nor my neighbors. This has affected my once credit in the XXXX to now XXXX. This contract entered into with XXXX XXXX was XX/XX/XXXX. It took the company one year and one month to complete due to the company not having their business in order. Another sign of trouble to come. Myself, along with my neighbors continue to be failed by our system set in place to protect its residence from predatory deceptive practices used in scamming consumers. This ordeal causes me on a continuum to experience heightened XXXX symptoms, anxious, irritability, and anger. The frequency to experiencing all symptoms mentioned is daily with intensity. I have reached out to XXXX XXXX and Sunlight Financial. To no avail, nothing. They will not assume accountability. I reached out to a number of agencies here in XXXX XXXX, NV for timely assistance, ( nothing ) also filing a complaint with XXXX XXXX XXXX XXXX. To no avail, nothing. I filed a formal complaint with Attorney General XXXX XXXX 's office. To no avail, nothing. I filed a complaint with the NV Contractors Board. My case is still under investigation with them. As you can see I have been taken around the world with this. The epitome of atrocity. After speaking to a representative at XXXX, I was instructed by her to go onto to your website to file this complaint. Thank you for your time and assistance. Take care.
10/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 484XX	Web
Dear Sir / Madam, This is a formal complaint against XXXX XXXX XXXX XXXX XXXX and its business and financial affiliates and our intent to terminate our solar agreement ( see attached ). This may or may not be the proper way to dispute this, but at this point I will try anything to get my voice heard. The email chain below is just a short version of actual events as I know your time is valuable. To present day we are still paying ( on loan to Sunlight Financial ) for a solar product that is defective and when it was operable it was not performing to the caliber we were cross-sold. The only company that is addressing us is XXXX and /or subcontractors of XXXX with regards to the defective snaps that XXXX XXXX was fully aware of when contracting the install. We hope this communication will push a movement towards investigating this company, its business affiliates, and their poor business practices in hopes for justice. We invite and welcome any insight and responses. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P : ( XXXX ) XXXX XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX Cc : XXXX, XXXX Subject : Dispute / Fraud : XXXX XXXX XXXX, Id like to start off being cordial, but the fact of the matter is, theres a lot of customers in this solar journey that are being taken advantage of and Id like to be acknowledged with my valid concern. Let this be on record : Next month marks 1year since committing to this solar project journey and my panels have only produced energy from? XXXX? What good is a promissory note, If the product and service you bought is no good? - XX/XX/XXXX - Signed contract with XXXX - XXXX - XX/XX/XXXX- We the client facilitated the progression of our solar project with emails, text messages and phone calls. - XX/XX/XXXX twenty-five panels installed ( full sun ). - XXXX - XX/XX/XXXX- We the client facilitated the progression of our solar project with emails, text messages and phone calls. -? XX/XX/XXXX? started paying loan on panels, even though we were not actively producing energy thats a whole other issue. - XX/XX/XXXX passed inspection, panels were producing energy. - XX/XX/XXXX received my XXXX bill for service from XX/XX/XXXX to XX/XX/XXXX and it was was high called XXXX during business hours on Monday XX/XX/XXXX and was informed my panels werent producing but minimally. - XX/XX/XXXX email received from XXXX XXXX indicating they were parting ways with XXXX due to a firmware / snap defect issue but did not see this email until XX/XX/XXXX and after I spoke with XXXX. ( Love that a company can just drop a partner when things go bad ) - XX/XX/XXXX called XXXX XXXX to see what was needed to get solar panels fixed, and they scheduled me a service appointment for XX/XX/XXXX. - XX/XX/XXXX emailed XXXX XXXX about any type of payment suspension / reimbursement program until my solar panels are restored They emailed me back indicating there was no reimbursement for this type of issue - assuming its because its not there product defect ( lol ). - XX/XX/XXXX email received from XXXX XXXX directing me to go through XXXX directly regarding the firmware / snap pv link issue and to reschedule my service call with them - XX/XX/XXXX sent email to XXXX asking about warranty on these defective parts ( they confirmed XXXX yrs ). - XX/XX/XXXX sent an email to XXXX asking for a new service appointment where in turn they gave me 4 preferred retailers to call and schedule a new appointment. We currently have messages out to several local XXXX XXXX XXXX that XXXX recommended and are waiting for responses. How can a financial institution partner with such a poor-rated, poor customer-service and poor performance products? XXXX XXXX XXXX going to come out and say theyre parting ways with your institution too ( or visa-versa? ). Please share your insight and or solutions on how to remedy this problem, and to NOT have to take this matter into a legal stand point. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
07/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89121	Web
First off I hope I made the correct choice to file this complaint because no where did I find Home Improvement Loans. So got the loan through Sunlight Financial but the loan was actually approved by XXXX XXXX XXXX. My fist instalment was due on XX/XX/2023. On XX/XX/2023 I remembered that because the XXXX of XXXX had fallen on a Sunday I had forgotten to submit the first payment. So I login to my online account with Sunlight Financial and proceed to submit my payment. On XX/XX/XXXX of the current year, I login to my bank account to see what had been charged so far ( because I have other payments that come in ). To my surprise, I see 2 charges for sunlight financial one in the amount of what the payment should be which is in the amount of {$230.00} and the one I made and authorized in the amount of {$230.00}. I called them that same day XX/XX/2023 at XXXX XXXX to ask why had they charged my bank account twice? That I had only authorized the payment of {$230.00} made on XX/XX/2023. She checked and verified that the auto pay was not activated. So according to the young lady I spoke to, she verified that the autopay had not been activated, so there was no reason for the financial institution in charging my account without my consent. She did say she'd enter notes to escalate the situation and that she would call me with a response. She even verified my phone number. I asked for either a refund of the double charge or credit for the payment due on XX/XX/2023. I also asked for my payment due date to be moved to the XXXX of each month. I want to point out the call was being recorded! That was taken care of on XX/XX/2023. But as far as for the issue with the double charge they did not mention a thing. I even logged in to see if their was at least a credit to make a payment till XX/XX/2023, but nothing has been updated. Then I proceeded to sending them a message via their portal which I took a screen shot of, before submitting to keep as proof. But till this day of XX/XX/2023 I have not received a response from them, not a call or an email or a letter in the mail addressing the issue. I have removed my bank account from the portal since XX/XX/2023 so they can no longer take any payments that I do not authorize. But I would really like for someone to reach out to them and ask why did they take money that was not authorized? In the attached files you will find the message sent to sunlight Financial disputing the double charge. Then email with the charge that was authorized by me. And a screen shot of the charges from my bank. Final note, I was never notified about the first charge otherwise I would have never made that payment on XX/XX/2023.
08/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 641XX	Web	Older American
I purchased a Solar Panel / Battery Back up System ( System ) from XXXX XXXX XXXX which was financed through Sunlight Financial. Sunlight Financial sold the financing to XXXX. The System did not work and it was determined by 9 State Attorney Generals that the marketing, selling, and installation of the System was fraudulently done by XXXX XXXX XXXX. The 9 AGs sent a letter to XXXX XXXX XXXX and Sunlight Financial that they should not collect any money til this was resolved and the systems either fixed, removed or the money refunded. In the meantime, XXXX XXXX XXXX went bankrupt. I stopped payment on the system based on the system not working and the letter from the Attorney XXXX and XXXX XXXX XXXX not completing their work to make the system functional. XXXX placed a lien on my home. I went to court and the court agreed that the XXXX is not part of the house but is XXXX XXXX ; therefore the XXXX on the house should be essentially null and void ; however, XXXX won't remove the lien. XXXX then trespassed onto my property and had a lock installed on the System which rendered System useless ; no electricity was generated from the Solar Panels and the XXXX Back up did not store the energy for use if the power went out. This also cut all power to XXXX circuits which were identified as " critical circuits '' including the XXXX XXXX and the Refrigerator. Thus the XXXX XXXX and my refrigerator stopped working immediately. As a direct result of this action by XXXX, my basement ended up with over XXXX ' of water and over {$110000.00} in damage to my home. All the while XXXX claims that I still owe them {$50000.00} for the XXXX that doesn't work. I engaged an attorney and have asked XXXX to come get the XXXX. They refuse and won't address the critical issues such as the damage their actions directly caused. I am giving them one last opportunity to resolve this before filing a lawsuit against them to collect the money from the damages they caused. I am planning on getting the XXXX XXXX involved in this litigation, too, if XXXX doesn't come to their senses. I've contacted the original XXXX XXXX, Sunlight Financial, and they ignore my concerns. Several calls have given the standard answer of " we're looking into it and have received your complaint. '' But nothing ever moves forward. Both XXXX and XXXX XXXX say that both companies are familiar with each other and the complaint I filed.
09/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46077	Web
On XX/XX/2022 ; my wife and I entered into a contract based on a sales meeting at our home to purchase a solar powered system through XXXX XXXX ( since then has been renamed XXXX XXXX ). The sales agent presented information and quoted figures that we feel are highly deceptive and patently misrepresent the ability of the system as it functions today. The total cost of the system is {$74000.00} which comes down to roughly $ XXXX. We were made to believe that our system would generate 73 % of our current energy usage, and that by improving the efficiency of our home through changes such as LED bulbs, improving insulation, etc. ; our energy consumption would further decrease. At the time, our average energy bill was approximately $ XXXX. The sales agent referenced the cost of the system being offset by the amount of savings generated through solar energy. In actuality, we are not seeing any significant change in energy utilization. Our monthly statements for energy consumption have not changed, nor has our monthly bill. We are not only paying the same monthly energy bill as prior to the system being installed, but we are also paying the cost of the system which has essentially doubled our monthly payment for energy. Because of the gross misrepresentation, we have become incredibly upset. We have tried reaching out to the sales agent but have received no response. We also have reached out to XXXX XXXX, but they state that they will not do any form of system performance review until at least 5 months have passed. Because of this, we feel that XXXX XXXX has breached the contract agreement and we should not be held liable for payments on this system and therefore can not expect Sunlight Financial or XXXX XXXX XXXX to continue to request payment for this faulty system as we want it removed from our property. To be clear, this is not necessarily an issue with the loan or repayment. We believe we were fraudulently sold a system that can not perform to the specifications that we were made to believe. This has caused a doubling of our expense without any benefit. We believe XXXX XXXX and the financial institutions they work with, Sunlight Financial and XXXX XXXX XXXX, should be held accountable and should remove their equipment and no longer receive payment.
12/02/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	VA 240XX	Web
on XX/XX/2022 the know XXXX XXXX XXXX installed a ground mount solar system at my address consisting of of 26 400 watt sil fab solar panels and XXXX components ( cost XXXX ) the system was installed improperly as per XXXX XXXX ( XX/XX/2022 ) and the system was never given permission to operate, the system has not produced one once of electricity, but I am expected to pay for the system? prior to this before installation the salesman promised me at least XXXX XXXX electrical off set XXXX $ cash back just for going solar ( never received ) and promised I would receive a large check from the XXXX XXXX XXXX that would drastically reduce my payment on my loan and recommended that I put that towards my loan or my payment will go up an extra XXXX dollars a month after 17 months, ( Balloon payment ). the initial loan was brokered by Sunlight financial whom does not currently have a license to do business in the state of Virginia were I live. I never received an option to cancel and did not receive the true information about the tax credit until after I signed the paperwork several days later, from this point my loan was sold to XXXX XXXX XXXX XXXX and ( they have not provided me with any loan paperwork either ) see previous complaint that I filed and was closed. XXXX XXXX was unwilling to work with me at the time and are currently expecting payment for a derelict system that does not work and was not delivered as promised I believe this could fall under serval circumstances 1 Holder rule 2 Lemon law 3 Fraud XXXX XXXX has had a law suit against XXXX since last year and have known of the problems or potential problems due faulty installation and potentially faulty products yet the still installed this systems anyway I did not have to be involved in this mess XXXX XXXX and sunlight financial new exactly what they were doing ( a time line can easily prove this ) for the love of money and greed ( FRAUD ) many people are involved in this mess and it should have never happened I feel these companies ran individuals credit saw what it could bare and priced the systems they sold to me and many others for as much as they could get out of us and left us with junk there is defiantly a pattern here thank you
11/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 410XX	Web
On XX/XX/2021, XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX XXXX came out to do a home check to see if we would qualify for Solar Panels. After telling us we qualified and rushing us through the contract process he left. Days later on XX/XX/2021, we received an email from Sunlight Financial saying they were our lender for the Solar Loan approved by XXXX XXXX XXXX XXXX XXXX XXXX. They sent us terms we never agreed to via email. XXXX XXXX XXXX used our Signature and Initials from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contract on the Loan Application with Sunlight Financial without our approval or knowledge that it was even taking place. We never saw the information on this loan application such as annual income or marital status we have no idea what information was even put on it. Sunlight Financial gives me the run around, transferring from department to department telling me it is the Originations Department that handles this process, yet no one seems to have heard of that said department and will not send me a copy of the loan application I requested. After reading the terms I see the payment will increase automatically, this is another term we were unaware of and did not agree to. This lender is another fraudulent company working together with XXXX XXXX XXXX XXXX XXXX XXXX and using Predatory Lending Practices. XXXX XXXX XXXX XXXX XXXX XXXX has recently filed for XXXX XXXX Bankruptcy listing us the customers as creditors on the public bankruptcy file. Leaving us and many other customers with faulty equipment, empty promises on the return rate of our solar energy ( paying double on bills as our electric bill has not lowered as promised ), warranties no longer valid, thousands in debt to lenders still seeking payment. Sunlight Financial needs to be investigated many Attorney Generals from several states are now filing class action lawsuits as well. The lenders involved including Sunlight Financial should be forced to stop all payments, issue refunds and this should not affect the customer 's credit history. We the people are seeking justice for fraudulent criminal activity. Thank you in advanced for your time
12/03/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	VA 244XX	Web
I'm a former XXXX XXXX customer, now that they are closed and filing for bankruptcy. I contacted Sunlight Financial because they facilitated our solar loan through XXXX XXXX for XXXX XXXX. I described my issues, such as install problems, property damaged and stolen property, items not installed that were in my contract and my system install not what was purchased in my contract, rebate check never received, XXXX XXXX for a reimbursement that i never received and the list goes on. Sunlight is giving me the run around as well as XXXX XXXX, they do not want to take responsibility for their part in this scam and even go as far to tell me that the items i listed weren't in my contract. I have documented everything, emails, text, calls and complaints. I have been fighting back and forth for XXXX even before XXXX went belly up. I have literally had to babysit the entire project from beginning to end just to get it operational, argue along the way about my list of complaints only to get nowhere. Last XXXX I sent Sunlight and XXXX XXXX the XXXX XXXX 's letter that requested the loan companies to suspend the loan payments to customers due to the court filing and the current investigation by XXXX other XXXX XXXX 's. I have not heard a word back and I doubt that I will, I have sat on calls for XXXX waiting for a representative to answer, transfer me over and over or just hang up on me. I feel that I can in fact prove breech of contract with the documents and information that I have on the part of not only XXXX XXXX but Sunlight Financial XXXX XXXX XXXXXXXX. The XXXX attachments, # XXXX is the first page of my contract with XXXX XXXX and Sunlight Financial, the system size is XXXX, the # XXXX is the application from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on my property. Last attachment is from another company that I had receive and estimate for solar prior to speaking to XXXX XXXX. Their system is XXXX less but XXXX system, XXXX XXXX with Sunlight Financial and XXXX XXXX are ripin people off. I'm willing to provide any and all the information that i have if needed.
08/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web	Older American
I borrowed {$22000.00} from XXXX XXXX XXXX XXXX located XXXX XXXXXXXX XXXX XXXX in XXXX Alabama XXXX to have 5 solar panels installed onto the roof of my home. Since XXXX of XXXX I have made 32 payments on this loan ( XXXX ). On XX/XX/XXXX SUNLIGHT FINANCIAL sent a representative out to shut of my solar panels, stating that I was in default of my loan. Previous to this I had been attempting via letters to find out why ( since I had been paying on my loan ) did the principle on this loan decreased {$110.00} in 15 months. XXXX XXXX XXXX XXXX had been harassing about late fees and I wanted to verify the amount they wanted to charge me along with having them explain to me why after 15 months the principle of my loan ( according to their records ) had come down {$110.00}? I wrote XXXX letters to XXXX XXXX XXXX XXXX requesting that they send me information containing dates and payments made to the Principle, Interest and late fees. My first letter was written and sent in XX/XX/XXXX. Since then they have sent me a financial statement without a running balance showing me that late fees were being taken out of the money which I had been sending to pay on my loan. Then it appears that they were then accusing me of not paying on my loan. It didn't matter how many times I wrote to request data on the principle and interest of my loan, it didn't matter that two letters were sent from XXXX XXXX XXXX citing my rights under the Fair Debt Collection Act,15 U.S.C. 1692 ( g ) or the Pennsylvania Debt Collection Trade Practices Act, 37 PA. Code 303.7 or the Fair Credit Reporting Act. 15 U.S.C. 1681c. they seemed to thumb their noses at my rights to see what they are doing with the money I am sending to them! I would appreciate your help in this matter. I feel like they are stealing money from me! Thank you for your time and attention to this matter.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90027	Web
I met spoke with a sales person from XXXX on XXXX XX/XX/2021 to obtain a quote for Solar panel installation. At no point was it discussed that I required a loan as I intend to purchase outright. When the sales person asked to confirm my social security number I questioned him on why that was needed. I advised I did not want any loans or any enquiries made on my file. He assured me it was for an identity check and to ensure I own the property. I was alerted by XXXX on XXXX XX/XX/2021 about 2 new credit enquiries. - XXXX XXXX XXXX - XXXX XXXX XXXX I spoke with the sales person immediately. He advised that he wasnt sure why his team had done that and assure me he didnt request any loans for me. Ive spoken with XXXX 3 more times in the past 2 weeks but Im still yet to get a response other than were looking into it. On XXXX, I spoke to XXXX and placed a fraud block on my account. They advised that someone would call me to discuss the enquiries but Im yet to receive a call. I attempted to call the numbers provided by XXXX for the 2 companies responsible and they went to an IVR that didnt allow me to get to an operator. I found the numbers online for Sunlight Financial who operate the XXXX XXXX XXXX and XXXX XXXX XXXX loan program and they confirmed that XXXX had submitted loan requests on my behalf. I requested that this be investigated and reversed as I had not requested any loan or authorized my credit report to be shared with any lender. The operator said they would investigate the issue and get back to me. I did not get a return call so I called them again a week later and I was advised that my account was noted with the information but it hasnt been dealt with yet. I requested that it be escalated but as of today I still have not received any update or return call.
10/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 183XX	Web
Sunlight Financial XXXX are taken out under false pretenses with high pressure predatory sales. Sunlight financial charges a 29 % dealers fee/ origination fee and will raise price of monthly payments after 19 months unless we pay a hefty payment out of pocket. We were told by XXXX XXXX that we would receive a rebate check from them to cover this but never received it. Sunlight financial also assured us that XXXX would send this rebate check so we wouldn't have to worry about our payment going up however pink energy soon closed its doors. The price we were pitched does not show the breakdown of what the money is going towards so we had no idea a good majority of the loan was for the dealers fee. Essentially what they are doing is taking advantage of the 26 % federal income tax credit in order to capitalize off of the tax savings that homeowners get to claim. We were originally told that the loan would only be {$40000.00} then when we got the paperwork back the loan amount was {$82000.00}. When we told them that it was way more than we could afford and told them we did not want to move forward we were threatened with a bill of {$5000.00} that needed to be paid in full for their " time processing the loan ''. When we told them that we are unable to pay {$5000.00} they said our only option was to move forward with the loan. After doing more research we found that this same tactic was used with a large majority of their customers and many were forced to take on a large loan that they could not afford. They have also partnered with XXXX XXXX XXXX XXXX for years and knew that they were selling customers faulty systems.
09/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 622XX	Web	Servicemember
We decided to get solar panels on our home, a rep from XXXX XXXX XXXX XXXX XXXX XXXX came out and gave us an estimate and offered financing. We chose to do the financing option only to find out afterward that Sunlight Financial was not the creditor, it is XXXX XXXX Bank located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we are only able to get access to them from Sunlight. This institution has participated in fraudulent and predatory lending actions on multiple occasions and in multiple states. We are now on the hook for over {$39000.00} at a minimum for a solar system that hasnt even been connected to the grid. Lets not mention that this institution knew there was bad business practices by XXXX XXXX XXXX XXXX XXXXXXXX XXXX for months and months yet continued to initiate pushy loans to unsuspecting consumers. Now we have contacted both entities to try to remedy this situation, we got nowhere with XXXX XXXX who filed bankruptcy and closed all operations yesterday, we have gotten nowhere with Sunlight Financial either as they claim they are investigating the situation yet we fail to have any correspondence from them. We now have thousands of dollars of useless equipment on our roof, nobody to service said equipment, breaches in contract, and damage to our home from this equipment. This is a multistate issue and needs to be addressed immediately. The financial burden that these people have cost my family is ridiculous and continues to grow. Somebody please help this veteran family!!
11/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA XXXXX	Web
On XX/XX/2021 I signed a contract to have solar panels installed on the home I own. They partially installed the system on XX/XX/2021 and it is still not operating. It does not work. I have signed the dotted line so I have obligated myself for 20 years to pay for something they have failed to deliver on. The other concern I have is the federal tax credit you can get for going solar. They expect me to pay the tax credit amount on the loan by the XXXX month note. On the XXXX month they will add the tax credit to the loan amount I owe. The system was {$38000.00} tax credit {$9900.00} for total of $ XXXX. The companies I am dealing with is XXXX XXXX XXXX XXXX dba XXXX XXXX. Sunlight Financial, service provider is XXXX XXXX XXXX. I have made numerous calls, emails, text with no results. I requested a breakdown of how they came up with the total of the system {$38000.00}. They could not give me more than the contract I signed which does not give that detail information. There is a Promo Credit they are suppose to pay me in the amount of {$3400.00}. I inquired and it will take 6-8 weeks AFTER the 'PTO ' permit to operate is given. The county can not inspect the system before it is installed and working. It appears they wanted the funds released so they half done my install. Thanks for your help.
10/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	AZ 86442	Web	Older American
I was approved for a loan for central AC installation. The amount financed was {$7500.00} at 12.99 % APR with automatic payment withdrawal from my checking account. I received a TILA disclosure from them on XX/XX/ showing the loan term of 12.99 % and payment of {$110.00} per month and a finance charge of {$6000.00} with the first payment due XXXX On XXXX I received a " welcome letter '' from them stating that my APR was 12.99 % and my payment would be {$110.00} per month with a finance charge of {$6200.00}. On XX/XX/ I sent an email to them pointing out their mistake. The welcome letter finance charge and payment actually reflected an APR of 13.49 % That same day I received an automated response with a case number and that someone would be in touch shortly. I contacted them by phone a few days later and was told that yes this was a mistake and would be fixed before my due date. I contacted them again on XX/XX/ to ask about an update. I spoke with a gentleman who told me that " calling everyday is not going to resolve this any faster '' He also stated that my calculation was wrong and that the payment and APR were correct on the welcome letter. At that time I informed him that I would be filing a complaint with the CFPB to which he replied " go for it '' I hung up after that.
12/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Tax refund anticipation loan or check	Confusing or misleading advertising or marketing	MA 013XX	Web
I have a solar panel loan with the lender Sunlight Financial aquired by XXXX XXXX for a solar panels on my home. I was mislead by the salesmen and Sunlight Financial to believe I would qualify for the 30 % tax credit for solar energy when I file my taxes. I was told I would qualify for this tax credit and could use it as a voluntary payment towards my loan but it would need to be made by the XXXX loan payment. My issue is sunlight financial released the funds to XXXX XXXX before the project was completely installed. This is causing me to make payments on solar panels that are not functioning. This is also making it impossible for me to claim on my taxes before the XXXX monthly payment because I do not have the permission to operate which is necessary to claim as a tax credit. They released the funds prematurely and now XXXX XXXX has gone out of business as of XXXX XXXX XXXX. I have been getting billed from sunlight financial since XX/XX/2023. It states in my contract that payments will begin after Installation, and my panels were not completely installed until XX/XX/2023. The finance company is refusing to extend my payments to give me the chance to file for the tax credit. I believe they did this on purpose alongside with XXXX XXXX. Both of these companies need to be investigated.
01/11/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92555	Web	Older American, Servicemember
In XXXX of XXXX I received a notice from the loan company that services my XXXX XXXX advising me my payment was missing. Note : the servicing company changed their address and ALL our account numbers. My payment is set on AUTOPAY through my bank so I updated the address and account number and called ( on XX/XX/XXXX ) and spoke with XXXX who advised me not to worry ; the payment would get to them eventually. She advised she would note the account and no late fees would apply. A week later I received another late notice, I called again and after speaking with a few customer service reps I insisted on a manager. I spoke with XXXX ; this was on XXXX and again on XX/XX/XXXX. I provided them with Reference # 's Trace ID # 's and proof of payment from my bank. They acknowledge that they received my money/payment but they don't know where the money went or to which account it was applied to. Clearly it was not mine. Meanwhile my sister passed away, I have to travel out of state a week before XXXX for her services and came home with XXXX. Since I had not heard back from XXXX I was confidant the matter was resolved. Imagine my frustration when I received not one but two notices in my mail yesterday ; and yes showing late fees. I am growing weary of this and need help.
09/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 49508	Web	Older American
After applying for a bridging loan with Sunlight Financial for Eerie Home roofing, making a debit payment for it, and unfreezing my credit for XXXX and XXXX with which we secured a LOC, attempts were made to take funds from my XXXX XXXX checking and two savings accounts. I spotted it and contacted the bank which froze all original accounts and denied the attempts. I opened new checking and XXXX savings accounts. with XXXX. I contacted XXXX XXXX regarding a closed account since the withdrawal/payment attempts were noted as XXXX XXXX online. They reported no activity from the CO savings account or use of my SS number and removed the XXXX XXXX connection I had used to deposit savings. I contacted XXXX XXXX whose salesman had taken personal info and originated unfreezing of my XXXX and XXXX credit. They denied involvement of any pervious such incidents with their contracts. On the day I was flying to XXXX, my XXXX XXXX XXXX XXXX XXXX had a swiped charge at XXXX. I contacted XXXX they permanently credited the amount, froze the old account, and are sending me a new credit card. I have created new User names and passwords on my various on-line payment accounts. I believe I have been hacked.
09/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23701	Web
In XXXX of XXXX I had solar panels installed by XXXX XXXX, now XXXX XXXX. They processed a loan through Sunlight Financial to cover the amount of my panels. For the XXXX months that I have had the panels they have not worked. I have recording from my electric company, XXXX XXXX, that they have not received any power from our panels. I was promised that I would have a very small, and sometimes, no electricity bill. Unfortunately, that has not turned out to be true so I have been paying a normal electricity bill on top of a {$300.00} payment to sunlight financial every month. Months and months of back and forth with pink energy with numerous no shows for appointments to fix the problems and no solution in sight, XXXX XXXX has now closed its doors and filed bankruptcy and I am left in debt without a working panel system and leaking holes in my roof that is coming through my ceiling. I would like Sunlight financial to remove the panels and release me from my contract. I really hope there is a way to resolve this issue so my family does not continue to suffer. Thank you so much for your time and I look forward to hearing back from you.
08/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA XXXXX	Web
I was approved for a loan from a finance company -- Sunlight Financial -- through a XXXX XXXX that installed the products on a duplex type property I own. I began paying after about 18 months and to date have made about 9-10 payments ... but NEVER, NOT ONCE, DID I RECEIVE ANY BILLING STATEMENTS!!! Now as I am doing through a Refinance of the loan on the property, I discover just now that I own about {$46000.00} when the beginning balance was {$46000.00}! I also discover that they have applied pratically ALL the payments I have made to INTEREST!!!!!! It seems ALL the billing statements they sent out went to an incorrect address and were RETURNED!!!! I requested a printout of ALL the statements be emailed to me. THey say they sent me several emails but I NEVER SAW ANY OF THESE EMAILS or else of course I would have responded. I'll bet if they had not received the payments theywould have CALLED and LEFT A MESSAGE!!!! They said they thought I understood they were applying most of payments to interest ... no matter I HAVE RIGHT TO RECEIVED MONTHLY BILLINGS ... that they could have may send by EMAIL!!!
07/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 08081	Web
Good afternoon, I took out a loan from XXXX XXXX to finance my solar panels and solar battery. They used Sunlight Financial who uses XXXX XXXX XXXX to originate the loan and then transferred the loan over to XXXX XXXX XXXX. The issue is that I am being charged unearned fees in interest for an APR of 3.49 % when the loan agreement I signed the APR is 2.99 % with ACH withdrawals as a discount. I have contacted SunlightFinancialXXXX every month for the past 3-4 months to let them know the payment amount they listed to pull from my account and are currently pulling from my account is overstated at {$160.00} when I am only supposed to be paying {$150.00}. They have updated the APR on the later statements but are still charging me a higher monthly payment on unearned fees. I have reached out several times and this has still not been resolved. What I would like as a resolution would be my next ACH payment on XX/XX/2022 to be drafted correctly for the correct payment amount & this remark to remain on their record so that they dont display this negligence again with either myself or other consumers.
03/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AZ 85304	Web
I am filing a complaint against Sunlight Financial. Solar Panels were installed on our house by XXXX XXXX and Sunlight Financial is the broker. I initially reached out Sunlight Financial and XXXX XXXX over a year ago as panels were placed on our house but work was not completed per contract. Panels were not operational for about 6 months even though were being charged and they failed several city/ township inspections due to poor workmanship. In addition, panels have been working at 20 % since XX/XX/XXXX and never produced the amount in the agreement. I have reached out to both companies several times every week since XX/XX/XXXX yet not action or resolution has occurred. Letter of cancellation was sent XX/XX/XXXX and calls were made but never received an acknowledgement or resolution. XXXX XXXX and Sunlight Financial refuse to take any action to acknowledge and resolve problems. The case number Sunlight Financial provided me with on XX/XX/XXXX was XXXX. Since then I have made weekly follow up calls as I am told to by the customer service reps who said they have escalated.
01/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 456XX	Web
I signed up for a solar home loan and the company that financed it with Sunlight Financial. The company that monitored the solar was power home solar also known as XXXX XXXX. XXXX XXXX has now went out of business and filed bankruptcy and therefore left all of its customers without workmanship on the solar system supplied by XXXX. Sunlight Financial is still trying to collect on this loan when the loan contract has been broken. Yes, The warranty with XXXX on the solar system is still valid but theres no one to service the solar system and currently my system does not work and has not worked since XXXX of 2022. Prior to XXXX, the system only worked periodically. I am paying {$65000.00} for a system that doesnt even work. I agreed to the loan with the expectation that everything in the contract would be honored. The contract has been broken. We did not have 2 separate contracts we had 1. In that loan we are paying for the equipment but we are also paying for the workmanship warranty and installation cost. I have attached an email with my complaint to the company.
06/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IL 601XX	Web	Servicemember
Almost a year ago I began the process to have solar panels installed. XXXX XXXX was contracted to do the work. They quickly went out of business after simply putting the panels on my roof - nothing more. The wires are still dangling down the side of my house. Sunlight Financial authorized payment to XXXX despite the system not actually being installed. This began my monthly loan payments with XXXX XXXX XXXX XXXX. I have tried contacting Sunlight Financial but they rarely reply - only on their terms and requesting info they want and never to address the issues. I have called XXXX XXXX XXXX XXXX who claims they can not stop the payments even though they admit the system is not installed. I have spent almost $ XXXX out of my pocket to get the system almost installed- all I need is XXXX XXXX to rush my paperwork, and the electricians to install the XXXX panel and a final inspection. No one seems to want to complete the work. All I ask is that my payments be stopped without negatively affecting my credit until the system is actually installed per our contract.
11/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AZ 85395	Web	Servicemember
I have a solar loan with Sunlight Financial, I have the original contract and before I signed, I was told that my loan was transferable in case I sell my property located in SC. I asked the question before signing anything because we are a XXXX family and we moved frequently. I am trying to sell my property due to XXXX XXXX ; I need to sell my property and buy a house for my family in our new XXXX XXXX, however when I contacted the financial institution mentioned before, they said they have a policy they cant transfer my loan to my buyer because the loan is less than {$15000.00}. They told me it is in my contract ; I have the original paperwork and there isnt any clause mentioning that policy. I tried to connect with a supervisor or managers to find a solution for this unfair policy that its preventing us to sell and buy a home for our family, however ; I havent received any answer. They just keep apologizing and scaring me saying that I need to pay off my debt before selling my property. I need help because they lied when I get my loan.
12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV XXXXX	Web
ON XX/XX/2020 i had a conversation with Sunlight Financial Services. They claimed since i already had existing credit with them that i would be approved. So while extending and adding to my solar system on my home currently they asked to run my credit due to a name correction and nationality correction. After they got my information they then said due to their standards they couldn't not give me a line of credit that i already have with them and ran my credit number or score down. They new this before it was ran because I've been emailing them information and calling them asking questions. They have discriminated against my nationality. Based upon that i age of majority and fully competent they wanted to lower my score making it difficult to get credit. They also saw my identification and used me wearing a Turban to make their decision when before they saw that photo they been doing business with me for two years. They have also placed an illegal lien XXXX XXXX on my property and have never mailed me a copy nor email me a copy.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 461XX	Web
I was sold a solar system for my home under fraudulent sales tactics and false production. I notified the lender since the company had gone bankrupt and told them I was using my rights under the FTC Holder rule to withhold payment and requested them refund me my payment i have made. they refunded me 1 payment. I hired an attorney to handle this case and also included my state attorney general. My attorney sent the lender a letter back in XXXX of this year and we never heard a response back from the lender. The lender has put me as being late on all my payments and has dropped my credit score from the 700s to the 500s for using my rights by the Federal Trade Commission to withhold payment. they still continue to report to the credit dept that i am late on my payments. i have sent letters to all the credit company 's and included the letter from my attorney. they responded by all information is correct. To this date we have yet to hear from the Lender, and feel they are continuing to operate under fraudulent tactics.
01/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 28079	Web
Sunlight complaint In XXXX XXXX, I signed an agreement for sunlight financial to finance my solar panel installation which was being completed by XXXX XXXX for approximately $ XXXX XXXX XXXX did the initial installation ( panels etc ) in XX/XX/2022 but never completed all other required steps including state inspections. Regardless, Sunlight Financial proceeded to disburse funds to pink energy without first confirming with the person on the hook for repaying the loan to confirm the project was substantially complete. Fast forward - the solar system is not functioning due to incorrect installation but sunlight Financial has refused to admit wrong doing and stop payments. Multiple attempts to get them to reason and admit their lack of internal controls has resulted in this predicament has proven futile. Sunlight should have asked me to confirm completion of project prior to disbursement of funds. XXXX XXXX is now defunct and as a result, Im stuck with repaying a loan for something that does not work.
10/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NC 28658	Web
To whom it may concern, On XX/XX/2022 we signed a contract with XXXX XXXX XXXX XXXX and Sunlight Financial to install a new roof and solar with battery back up on our home. It has taken till XXXX XXXX to have the system installed and running and still not sure it is working properly due to the workmanship of XXXX XXXX. We were promised a reimbursement by XXXX XXXX for the months not operational and a rebate for {$4900.00}. Also we were promised a warranty. Now XXXX XXXX has closed their doors and are filing for bankruptcy and I am suppose to pay on a loan with Sunlight Financial for equipment that is not fully serviceable and no warranty with no recourse. Sunlight Financial has also put a lien on my home even though I have been making timely payments of {$410.00} a month for equipment that is inoperable. The loan is for {$69000.00}. I was pressured into this loan by the salesperson saying I would save {$12000.00} if I took a loan. I did not receive any savings.
10/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	IN 460XX	Web
On XX/XX/XXXX we purchased a Solar Panel System thru XXXX XXXX XXXX which changed their name to XXXX XXXX for the amount of {$48000.00}. We were financed thru Sunlight Financial XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XX/XX/XXXX XXXX XXXX closed their doors and went out of business, leaving me and thousands of other customers out to dry so to speak. XXXX XXXX used deceptive and unconscionable tactics in order to convince consumers to buy solar panel systems and performed shoddy and substandard work installing them, and sold me a system that I was promised to supply me with 95 % of my electrical consumption and only produces 50-60 %. I have tried to get some answers and resolution from Sunlight Financial, since XX/XX/XXXX I have called 3 times and they will not talk to us. I have also emailed them with no response. Please give me some guidance as we have a substantial loan and now XXXX XXXX is out of business which voided their contract with me.
11/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 463XX	Web
We signed up for solar panels through XXXX XXXX XXXX XXXX The loan company was Sunlight Financial and then XXXX XXXX took over the loan. We were told we would get a {$5600.00} rebate 4-6weeks afylter installment and we would also get 26 % tax credit on our taxes to pay towards the loan or it will go up. And the panels would produce enough electric were it would cut down our electric bill or eliminate it all together. We didn't not get any cancelation paper letting us know we can cancel. They copied my husband 's signature onto XXXX XXXX paper work without our knowledge or even letting us read the documents. They caused my bank account to overdraft. I switched the due date, which XXXX XXXX agreed, but they took the payment out before the due date. No we are stuflck with our full electric bill and a loan that will go up soon. I have 3 kids and can't afford to pay both these bills and provide for my children.
02/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89081	Web	Older American, Servicemember
Complaint concerning Sunlight Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Since XX/XX/XXXX, I have reached out to the company 's billing and contract management team regarding my Solar loan account. The amount of my contract has stay the same and I have been making timely payment of XXXX for 17 months {$1300.00} which {$1300.00} has gone to interest and approximately {$44.00} to principle. The contract under paragraph Interest, promise to pay, was for an annual rate of 4.99 % for twenty years. I have timed unsuccessfully to reach out to the company and request what paragraph states that I would have to pay interest first. The billing department can't explain the principle amount and why 99 % is going to interest which only started in XXXX. I need to understand why I am paying all financing charges up front and where in the contract that I agreed to this. Your assistance is appreciated.
03/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28115	Web
We purchased solar panels in XX/XX/2019. The solar panels are defective and have never worked. The solar company ( XXXX XXXX XXXX ) went out of business. According to the holder rule, due to the system being defective, we should not be obligated to pay the loan further. We are more than willing to have sunlight financial come and collect their solar panel property, but we have done more than our due diligence to get the panels fixed and it is to no avail. Even if they are fixed, we believe that they will not produce as promised. We believe the loan should be cancelled. The holder rule statement is included in the loan agreement. We also believe that Sunlight Financial had knowledge that the product was defective and still allowed consumers ( including us ) to be financially tied to a defective system and a corrupt company ( XXXX ).
08/11/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	IA 526XX	Web	Older American, Servicemember
Last XXXX I had a contractor come out and do some foundation work at my residence. They offered one year free financing through Sunlight Financial. On XX/XX/XXXX a payoff was requested. It was received and on XX/XX/XXXX my attorneys office processed a wire transfer in the amount of {$9600.00}, Bank Reference Number XXXX, XXXX to be applied to Loan Number XXXX. The XXXXXXXX XXXX was XXXX XXXX XXXX XXXX. On XX/XX/XXXX I called and sent a message to Sunlight when I noticed that the loan was still not paid off. I then sent an email and received a response that they needed additional information. I then reached out to the attorney and provided the above information to them via a secure message. I called again XXXX and spoke to someone who could give me no answer as to why it is taking now almost 2 weeks to process a loan payoff.
01/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 41018	Web	Older American, Servicemember
Got a loan to buy a solar electric system with Sunlight Financial. Terms of the loan when E-signed were for $ XXXX. I set auto pay for {$200.00}. The expected payment ( changed by Sunlight of whatever entity they sold the loan to ) is suddenly $ XXXX, but the auto withdrawal continues to be {$200.00} as arranged by me in the beginning of the loan. I had no idea of this rate change and continued to have {$200.00} taken out of my account for almost three years. I can never pay this off at their new undisclosed rate! I'm a XXXX XXXX XXXX Veteran and am locked into a monthly income. I got the system based on my ability to pay {$200.00}. XXXX XXXX sold me a lemon system that didn't even work for over two years. Now they've gone into bankruptcy and I'm hooked into this fraudulent ever increasing loan.
09/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 891XX	Web	Older American
I was approved for the loan with Sunlight Financial for XXXX project. the negotiated price was XXXX. When the documents arrived i saw XXXX as a loan amount. The salesman said it is the interest on the loan added to the project cost. Later i find out that this is a hidden dealer fee charged to the project so Sunlight Financial does not have to disclose in the APR calculations. XXXX contractor claims he only received XXXX from Sunlight Financial. Several time i have asked Sunlight Financial to provide the proof of payments paid from my loan on my project to the contractor. Sunlight Financial of course refused to provide that information. To my it looks that it is a violation of truth in Lending act, where the lender is not disclosing the broker fee of 30 % Sunlight Financial is charging.
11/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	NY 10940	Web
In XXXX of 2021 an installment loan ( {$18000.00} ) was assigned to me for solar panels on a house that I purchased at that time. That loan has been paid up to date and in a timely fashion to XXXX XXXX c/o Sunlight Financial , LLC. Sunlight ran my credit report before transferring that loan but somehow has neglected to report that loan to credit agencies. Since then I've called their customer support several times this year to request that they report loan but that up to this date it has never been reported to credit agencies and they could never explain why -- all I ever get from them is that " it will show up soon ''. Its been more than a year. I have attached the latest statement they provided as proof of account.
09/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 94513	Web	Servicemember
I obtained a XXXX XXXX from Sunlight Financial and discovered that my principal was not decreasing after several continuous months/years of payments. It also appeared the company added finance charges that were not disclosed at the time of signing. The deeper I looked, the more issues I discovered regarding finance charges, payoff amounts, etc. I attempted to contact Sunlight Financial and have not been able to get in touch with anyone. I can not add a new payment method, speak with a representative, or use any other means of communication. It's almost as if the company as a whole is a scam. Other clients online claim the company is fraudulent and is undergoing a class action lawsuit.
09/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	VA 23111	Web
We purchased solar panels from a company called XXXX XXXX XXXX XXXX , we were promised several benefits from getting solar panels. The company went out of business within 4 months after we got the panels installed on our roof. The company called Sunlight Financial that the loan is through has not been any help what so ever and has not tried to get the solar panels covered with another company. I would like to see my loan desolved due to the panels not working anywhere as good as originally proposed by XXXX XXXX XXXX XXXX XXXX We now have the loan payment for the solar and a hefty electric bill. This is not what we were promised and this is not what we signed up for.
03/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 523XX	Web
I signed up for solar panels to be installed at my home bill swap was the program. The company ( XXXX XXXX ) went bankrupt. Sunlight financial ( XXXX XXXX XXXX ) had still been drawing payments from my account. I disputed those payments with my bank after calling them for months asking for resolution. I started the r gram XXXX of XXXX. No one ever came out to finish the job and I followed up with mid XXXX who verified they never even applied for bill swap. Sunlight told me XX/XX/XXXX they do not know what they are going to do with all the customers like me that were in process. Bottom line they did not fulfill the contract and I havent received the services.
01/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 955XX	Web	Older American
They are the financier of our XXXX XXXX XXXX, XXXX. XXXX never finished the installation that was contracted. They paid XXXX in full without any verification of completion of the project. XXXX filed XXXX XXXX a month after they were paid. I have been stuck with a solar system was never completely finished! The work from XXXX was not professionally or competently done. I have been left in a position to finish the project myself. Lost also was the bumper to bumper 25 year warranty XXXX provided. I wonder if those involved with XXXX also have financial interests with sunlight financial which allowed them to take the money and run
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 109XX	Web
Sunlight Financial NMLS ID XXXX XX/XX/XXXX has placed a solar order under my name and ran my social security with out my authorization I have not been in any kind of agreement or contact with them since XX/XX/XXXX when one of there door to door reps came to my home to silicate Solar energy, I emailed them regarding this order and that i didnt order this service there reply on XX/XX/XXXX was that they acknowledge my email and will contact the installer to email me, which means they are now attempting to install this service which was illegally ordered under my name, and my identity was saved in there database and unprotected,
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 109XX	Web
Sunlight Financial NMLS ID XXXX XX/XX/XXXX has placed a solar order under my name and ran my social security with out my authorization I have not been in any kind of agreement or contact with them since XX/XX/XXXX when one of there door to door reps came to my home to silicate Solar energy, I emailed them regarding this order and that i didnt order this service there reply on XX/XX/XXXX was that they acknowledge my email and will contact the installer to email me, which means they are now attempting to install this service which was illegally ordered under my name, and my identity was saved in there database and unprotected,
10/14/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91301	Web
I had solar installed on my home by XXXX XXXX XXXX who did a horrible job and caused all kinds of problems. The solar and battery was financed through sunlight financial / XXXX XXXX XXXX. I contacted the bank in XXXX and XXXX of 2022 to tell them not to release any additional funds to the contractor because a major dispute exists. I never once got a single reply from the bank and the matter seemed to fall on deaf ears which is why I am writing this complaint. It is to my understand that the bank has gone against my wishes and released the remaining funds to the contractor. I am requesting that the CFPB investigate.
04/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77489	Web
I was approved for Solar Panel and a Gas Generator to be install on My House. This was more than 2 yrs ago. Total cost {$49000.00}. The Solar Panels was installed but the Gas generator was never installed. They said it was on order and even gave me and upgrade. But it was never Installed. I reached out to see how much it would cost est. {$12.00} to XXXX. The installer ( XXXX XXXX ) took my good Credit and cash I was approved for, went and installed other solar panels with my Money. Telling SunLight Financial that the Job was Finish. But I've been paying for product I never received. I want so compensation!
03/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23701	Web	Servicemember
I was a customer of XXXX XXXX who went out of business. They sold aolar panels. Sunlight financial is who the loan was put through. XXXX XXXX went out of business before they completed my install, set and activation. I am not on the grill and am still paying a full electric bill. I can not afford to pay my electric bill and these panels that is not operating on my behalf. They continued to call me for money and told that they might have to report my debt to the credit bureau. They have failed to help me with getting on line. And is still charging interest on this loan. I gave them XXXX dollars.
09/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 173XX	Web
Purchased solar system from XXXX XXXX XXXX XXXX XXXX. They have closed. We were in the middle of getting problems with the system worked out when they abruptly closed. Our roof leaks, didn't get blown in insulation like we were supposed to. Have not saved on our electric bill as promised. Don't qualify for tax incentives as promised. There is numerous Breach of contract issues. XXXX XXXX XXXXXXXX XXXX XXXX got us approved through Sunlight Financial for the loan. We feel they are just as guilty!!!! We want our loan expunged or forgiven for the faulty equipment and Breach of contract!!!!
10/31/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22408	Web	Servicemember
Sunlight financial was provided as a lending intuition for XXXX XXXX project. XXXX XXXX XXXX XXXX XXXX provided sunlight for loan. Sunlight participated in predatory lending practices backing Adjustable rates based on Fed tax incentives in amounts that were not achievable. Additionally the system itself didnt work and does not work as advertised and should fall under the HOLDER rule. The cost of the System with out interests is {$65000.00} While I have been making my payments its becoming hard with a system not working and having double the utility bills.
01/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	IL 600XX	Web
On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at XXXX different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were XXXX, XXXX, Sunlight and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.
02/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WI 549XX	Web
We contracted a solar panel company, XXXX XXXX XXXX to install solar panels and finances that project through sunlight financial. Sunlight financial disbursed all the money to the contractor without verifying that the project was installed, and it was not. Sunlight financial refuses to give me any alternative options to resolve the is problem. Our first payment is due in XXXX and we dont have the complete product we paid for.
12/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 496XX	Web	Servicemember
I am paying {$210.00} a month for a system that is not functioning properly. This is not even working at all. It's a piece of junk sitting in my yard. It is a non stop problem. And it is not worth the {$61.00} XXXX loan that I am supposed to be paying. I am literally paying XXXX electric bills. I wish I'd never had this system installed. It is not worth the money I am paying. All I have gotten is Lies!!!
03/20/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Wrong amount charged or received	NC 28570	Web
i own a XXXX XXXX ( XXXX XXXX XXXX ), the bank ( Sunlight Financial ) who initiated a loan for a customer ( XXXX ) of mine shorted my company monies ( {$15000.00} ) that we installed a Solar Sytem for. I have called all parties involved with no response. Please advise what would be my next procedures XXXX is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
09/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	PA 150XX	Web
Client of the for bankrupt XXXX XXXX in XXXX of 2022. They sold me a solar powered system that was full of lies and deceit. Does not save money and sold a warranty that can not be used because the company is bankrupt and yet Im still paying for it all. I believe the loan company was aware of all of this and went a long with the process because they sold my loan to XXXX XXXX.
12/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AZ XXXXX	Web
Sunlight Financial is our lender for solar panels. When trying to create an account to monitor and review progress of our loan we received the following, " XXXX XXXX has not opted-in to offer consumer XXXX XXXX XXXX XXXX customers. '' That response seems intentionally un-transparent that they would " opt out '' of allowing consumers to view their account standing.
10/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 27253	Web
I have a Solar Loan through Sunlight financial Agreement # XXXX. The company that installed my solar system XXXX XXXX XXXX XXXX has went out of business. My system has not worked properly since day one and now I have no one to service it. I have called Sunlight Financial for assistance and have not gotten any
01/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	PA 184XX	Web	Older American
A sales rep from XXXX XXXX applied for a loan for me as part of a sales pitch. There are allegations that sunlight financial worked with XXXX XXXX in fast tracking huge inflated loans, with promises of credits snd rebates to defeat XXXX large part if the cost. XXXX XXXX has filed XXXX bankruptcy.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MI 483XX	Web
I contacted XXXX XXXX XXXX at the time XX/XX/XXXX they never solved the issue. I now called XXXX asking to stop my payment because my system does not work. They told me contact sunlight which I did. I was told wait for a email or a call! Still yet to receive this was on XX/XX/XXXX
10/03/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage Confusing or misleading advertising or marketing	MA 02703	Web
I'm trying to get a home equity loan. My bank is approved for the loan but my solar company Sunlight Financial won't release the loan which on their agreement is not clearly defined the homeowner can't refinance.
01/05/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	IN 47303	Web	Servicemember
Had Solar Panels put on my house a year ago and the company went out of business leave me to pay over {$60000.00} for a system that is still not up & running can I please get some help to fix their wrong.
11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 455XX	Web	Servicemember
Sunlight Financial changed biking addresses and my payment checked were cashed but the payments were not credited to my account. Resulting in late fees and XXXX day late notices on my credit report.
10/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 496XX	Web	Servicemember
I had been financed through them for solar panels by XXXX XXXX XXXX XXXX that put them in. My panels weren't even working and they where making me pay for something that didn't even work.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 238XX	Web
unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.
01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	CA 91340	Phone

12/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 33323	Web

12/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	FL 33323	Web

12/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	AZ 85331	Web	Older American

10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	CA 91746	Web

10/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	FL 33462	Web

08/23/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MN 56097	Phone	Servicemember

08/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	MA 02538	Postal mail	Older American

08/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30157	Web

08/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MN 56097	Phone	Servicemember

05/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	WI 54473	Phone

05/18/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 46383	Web

05/09/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	UT 84093	Phone	Older American, Servicemember

05/04/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 19464	Phone

04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93304	Web	Older American

04/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 18102	Web

03/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 07039	Web

03/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	OH 45177	Postal mail	Servicemember

03/08/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91342	Web

03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OR 97424	Web	Older American

02/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 19608	Phone

12/28/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	UT 84062	Referral

12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08205	Phone	Older American

11/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	PA 17309	Web

10/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	NC 28546	Web	Servicemember

10/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 16858	Web	Older American, Servicemember

10/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30528	Phone	Servicemember

09/22/2022	Yes	Mortgage Other type of mortgage	Trouble during payment process	NC 27529	Web

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	PA 16121	Web

02/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 62521	Referral

09/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 79763	Phone	Older American

09/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 29301	Web	Older American

07/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29301	Web	Older American

07/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32738	Postal mail

02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89149	Web

11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	UT 84029	Phone	Older American

11/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MI 48823	Web