Payday loan, title loan, personal loan, or advance loan -- Received a loan you didn't apply for -- Complaint #18192424
Complaint Overview
Complaint ID: 18192424
Company: Sunnova Energy Corporation
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Pawn loan
Issue: Received a loan you didn't apply for
State: California
ZIP Code: 95330
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding my solar loan originally issued by Sunnova Energy Corporation, which has recently been transferred to XXXX XXXX without my authorization or meaningful consent. I entered into this financing agreement with Sunnova based on their reputation, service standards, and clear communication at the time of signing. I have since been informedwithout prior consultationthat my loan account has been sold or assigned to XXXX XXXX. I strongly object to this transfer and do not wish to conduct any business or maintain any financial relationship with XXXX XXXX. I believe this transfer may have violated the consumer disclosure and notification requirements outlined under the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), as I did not receive sufficient advance notice or an explanation of how my rights and obligations were affected. Additionally, I have ongoing concerns about transparency, billing accuracy, and potential misrepresentation surrounding this transfer. I am requesting a full investigation into this matter to determine whether my rights as a consumer have been violated and to explore possible remedies, including preventing or reversing the transfer if found improper. Until this matter is resolved, I request that : No adverse action or credit reporting occur against me. All payment obligations and servicing activity be paused or held in abeyance pending the outcome of this review. I receive written confirmation from the responsible parties detailing the legality and terms of this loan sale. Thank you for your time and attention to this matter. Please confirm receipt of this complaint and provide instructions for any further documentation you may need.
Frequently Asked Questions
What is Complaint #18192424 about?
Complaint #18192424 was filed against Sunnova Energy Corporation regarding Payday loan, title loan, personal loan, or advance loan specifically about Received a loan you didn't apply for. It was received by the CFPB on 2025-11-12T12:00:00-05:00.
How did Sunnova Energy Corporation respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Sunnova Energy Corporation?
Yes, visit the Sunnova Energy Corporation company profile at readthecomplaint.com/company/sunnova-energy-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.