ComplaintsforEnium Capital Group, LLC

• Initial Complaint

  10/31/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We bought solar panels from *****, and they were erected in our back yard a year ago November.They still can not be used. None of the paper work or inspections have been taken care of. We are out 1 years of savings and have a ****** dollar loan. The paper work with the state to get a tax refund has never been filled nor the one with the feds. The permit to produce power from ****** has expired. The work order will expire next month. We need "HELP".

  

  Business response

  11/04/2024

  Hi ****,

  Weve received your complaint from the Attorney General and want to address it with you directly. As a reminder, Enium is not your solar installer, and like you,weve been impacted by your solar company's actions, which are outside of our control.
  
  In response to your concerns, weve been doing everything we can to get your project up and running. In fact, we reassigned your project to eEquals, who completed their part and resolved system issues, as we communicated previously. Now, were moving to the final stage: securing a Permission to Operate (PTO). This step requires us to reassign your project to another contractor to complete this processat no additional cost to you. We have also communicated this to you in our previous email.
  
  Please know that these additional steps are beyond our usual responsibilities, and this approach is new for us. However, we recognize the difficulties youre facing and that is why we have stepped in to help where we can. Please know you havent been forgotten, and were here to support you throughout this process.
  
  For your ********************** Certificates (SRECs), we recommend contacting the IL Shines program directly, as were unable to assist in this area, but they can guide you on the necessary steps.
  
  Regarding the federal tax credit, heres a quick overview: its a government program with specific eligibility requirements, and customers must apply directly. The amount of the credit or refund is based on your tax liability in the year you apply. You can reapply each year (if eligible) until reaching 30% of your initial loan amount. Since were not tax professionals, please consult a tax advisor for more detailed information.

  We understand that this situation has impacted everyone involved. While were committed to helping resolve the issues with your system, were unable to offer compensation for the time lost. If you feel a resolution is warranted for the challenges youve encountered over the past year, you are certainly within your rights to address this with your original installer as you see fit.
  
  We hope this information is helpful. Please be assured we remain committed to getting your system fully operational and will continue supporting you every step of the way.
  
  Kind regards,
  
  Enium Support Team

• Initial Complaint

  10/31/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  In April ************************ checking into solar power. Revolution solar found this single female who lives alone who had excellent credit, and soon after my nightmare began. In October I woke 1 morning at around 9am to people on my rooftop. I was puzzled because I wasn't notified of anything. The entire project was about the same quality service! The sales pitch was very convincing because with the grants and tax breaks, going to solar would be almost basically free or costs would be less than $10,000. Couldn't beat that, would be able to go on more trips etc..Afterthe panels were finished they didn't get the stuff active for an additional 9 months or so. I contacted my electric company myself to check to see what needed to be done yes since revolution hadn't followed up on anything at the time. Finally in November my regular payment schedule was to start on the $27,000 loan for this project. I had some of the payments adjusted due to the project being incomplete, however they still need paid. I have been paying on the loan and more than a year goes by I have received absolutely nothing for funding on it and I do not qualify for any tax breaks. I'm struggling, getting harassing phone calls from different debt collectors or consolidation lines, while trying to find what I have to do myself to recieve some funding for it! I am extremely disturbed about the entire experience and will not feel ok with paying more for that project than what I paid for my property! I need help, this is where I'm at with it still.

  

  Business response

  11/04/2024

  Hi *****, 

  We received a copy of your complaint from the Attorney General and wanted to reach out to you directly. We understand that you may be facing challenges with your solar loan, and were here to offer support wherever possible. 

  Please keep in mind that Enium is not your solar installer; we did not participate in the sales process, nor did we make any promises regarding rebates or incentives. Revolution was the installer you selected, and any commitments or representations were made by them, not Enium. 

  Based on your complaint, it appears that issues with payments and the absence of anticipated rebates may be causing frustration. In Section B of your solar contract (Notice to Customer, page 8), which you signed and dated April 29, 2022, there is a disclaimer stating that the contractor "makes no promises or guarantees as to the amount of incentive provided by the Illinois Adjustable Block Program, Federal Tax Rebates, or **************." 

  To help clarify, please note that the federal tax credit is a government program with specific requirements, and it's not a guaranteed benefit. Customers apply for this credit based on their tax liability for the year of installation, and it may be claimed annually until reaching the full 26% of the starting loan amount, provided there is sufficient tax liability. For any questions on this, consulting with a tax professional can provide the most accurate guidance. 
  

  For information on your states ********************** Credits (SRECs), we recommend contacting the IL Shines program, which can offer detailed assistance and next steps for obtaining these credits. 
  

  Please let us know if theres anything else we can help clarify. Were here to support you, and we hope this information provides some guidance. 
  
  Kind regards, 
  
  Enium Support Team

  Customer response

  11/06/2024

   
  Complaint: 22497102
  
  I am rejecting this response because:
  I really need help to find anyone willing to help me on this whole solar project issue.   I've been lied to, scammed, targeted and harassed about p ut it thru out!   And nobody can help me?  It is completely unfair for me and ibdo not feel OK about any of it!
  Sincerely,
  
  ***** *******

  

  Business response

  11/07/2024

  While we understand the frustration Ms. ******* is experiencing, there is not action Enium can take to assist her with her rebates or incentives with the state and federal government. We gave her the only information we have in our initial response to assist her with these incentives. Stated, "please note that the federal tax credit is a government program with specific requirements, and it's not a guaranteed benefit. Customers apply for this credit based on their tax liability for the year of installation, and it may be claimed annually until reaching the full 26% of the starting loan amount, provided there is sufficient tax liability. For any questions on this, consulting with a tax professional can provide the most accurate guidance. For information on your states ********************** Credits (SRECs), we recommend contacting the IL Shines program, which can offer detailed assistance and next steps for obtaining these credits." 

  Enium was not part of the sales process and cannot be responsible for any promises made by the dealer regarding incentives or SRECs. Payments are outlined in your Promissory Note with your lender which outline what the payment would be with and without the federal credit.  Please contact your tax preparer or accountant to apply for the solar federal credit, and Illinois Shines regarding the state SRECs. I hope this information helps clarify your concerns. 

  Kind regards,

  Enium Support Team

• Initial Complaint

  08/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My $49,000 Solar Panels were installed on my roof in DEC 2023 by Revolution Solar (plant ID 3076740). However, no inspection or coordination with my utility company occurred, Also, the cost doubled from my initial quote, the DTU left at my house was not operational (I got a new DTU) I can see that the solar panels are working, but are not operational because the electric company won't exchange the meter and start harvesting the solar energy because they need the installer to submit an online application. The electric company needs specific information. I told the electric company that the installer went out of business. The electric company said I need to find a contracter to inspect the panels. I am paying for the panels and no one is able to help me make the system operational. When I called the solar panel loan company Ennium Capital group (now partnered with Launch Servicing LLC), they told me to file an online complaint, and that solar panel companies do go out of business. The installation happened 8 months ago and I don't know who can help me.

  

  Business response

  09/04/2024

  8/29/2024 4:39pm 
  Hi Catherine, 

  We received a copy of your complaint from BBB. We wanted to let you know that we are already in the process of looking for a new installer who will help you get your project up and running. We informed you last August 5 via emailing the email associated with your account, bestc001@outlook.com, regarding the search for a new installer. 

  Please know that the search for a replacement solar company to complete your project is taking longer than anticipated. To expedite this process, we strongly encourage you to obtain a couple quotes from local solar companies who are willing to take on your project and forward them to us for a comprehensive review. This will allow us to identify the best option for moving forward. 

  Should you prefer not to seek assistance independently, please be advised that the timeframe for securing a replacement company may be extended. We kindly ask for your patience during this period. 
  Thank you for your understanding. 

  Kind regards, 

  Enium Support Team 

• Initial Complaint

  08/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Solar panels were installed they don't work at all my mother is 74 and was completely lied to and taken advantage of the panels do not work she is on a fixed income now she has alight bill and bill to this solar company that will not pick up the phone at all have emailed them mailed them notice to come get these panels off her home with no response from them this is fraud at its worst praying on the elderly we want the panels removed and debt removed immediately

  

  Business response

  09/04/2024

  Hi Roseanna,

  Thank you for sharing your concerns in the BBB complaint we received this morning.  Unfortunately, Enium is neither the solar dealer nor the lender in this project. Our role is to facilitate the loan application for the lender. Your solar dealer's actions or their installation performance concerns will need to be taken directly to them for further action.

  On June 14, our team advised you to contact your solar installer, EPC Solar, regarding the issues with your system. Were you able to get in touch with them? If not, I encourage you to reach out to EPC Solar directly at ********************** ** ************ so they can address your concerns.

  At this stage, a refund on your loan account is unfortunately not possible. If the frustration you're experiencing is due to a non-working system, it is crucial to work with EPC Solar to resolve it. However, if you're having trouble reaching them, please let us know, and we will do our best to assist you further.

  We appreciate your understanding and are here to support you.
  
  Kind regards,
  
  Enium Support Team

• Initial Complaint

  08/24/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I recently purchased a product from Enium Capital Group, LLC. The product description states that it comes with a warranty. However, when I contacted the company about a warranty claim, they informed me that the product does not have a warranty. to have a warranty because the company that installed the solar panels went out of business on the project.I contacted ENIUM for a solution and told me could not help me. ENIUM was aware that Revolution Solar already had many complaints but financed the project anyway. Now I have electrical issues and nowhere to turn. Found through an Electrician that my panel wasn't up to code sent the information to ENUM and was told they could not help me. I need them to either have it serviced at ENIUM expense or let me out of this contract because what I purchased does not have a Warranty because no company.

  

  Business response

  09/13/2024

  Thank you for bringing these matters to our attention. We understand the frustration this situation has caused. Enium has been assisting borrowers and lenders affected by the closure of this dealer, ensuring the completion of their solar projects at no additional cost to the borrower. 

  We have uploaded the Permission to Operate document to your account, which is issued by the utility company upon inspection of the system post-installation. Our review of your active solar monitoring indicates that all panels are producing as expected. The utility company has inspected your system, confirming it is fully operational and compliant with the design specifications. If you encounter any electrical issues at this stage, please contact the manufacturer, as the system remains under warranty. Since the dealer is no longer in business, they cannot service your system. You will need to reach out to the manufacturer for a list of approved solar dealers who can assist you. 
  Regarding the warranty, we are actively seeking alternatives for those who signed up for Solar Insure but are not covered following the dealer’s closure. We have added you to our contact list and will notify you if we find a suitable solution. 

  Enium is neither the solar dealer nor the lender in this situation. However, we are committed to supporting lenders and borrowers with incomplete systems due to the dealer’s closure. Our goal is to ensure the system is operational at no extra cost to the borrower. Since your system is fully operational, any electrical issues post-installation fall under the manufacturer’s warranty and are beyond our jurisdiction. 

  Kind Regards,

  Enium Support Team

  Customer response

  09/16/2024

   
  Complaint: 22190143
  
  I am rejecting this response because:
  The system is not working properly. I tried to upload some photos showing that the electric panel is not connected properly and the ground wire is not connected to the ground. There was no list of companies to provide service on this system . Also, the solar panel is not working as was told that it was supposed to work. I still have the same amount of light  bill that I had before the solar system so it may be working, but it’s not providing what it was promised to provide.
  Sincerely,
  
  Angela Terrell

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a contract with Enium capital through a solar loan. The contract clearly states that the payment amount would be reduced in accordance with the principal balance being reduced after the federal government's 30% tax credit was applied. We applied the tax credit within 48 hours of receiving it and the payment was not reduced. In contacting the company, they refused to reduce it locking us into a higher payment despite their terms being met.

  

  Business response

  08/22/2024

  ************,

  We understand your frustration with the re-amortization process with loans.  Please keep in mind that Enium is not the solar dealer nor the lender for your solar system. Enium assists with servicing the loan when needed. Your loan is through *************************** Their loan states in paragraph 2 of Payments that the re-amortization recalculations will occur 24, 36 and 48 months after the origination of the Note. Any prepayments that occur prior to any recalculation will lower the remaining principal and interest payments due over the life of the loan as a result of these recalculations. Your loan was signed on March 2, 2023. Your payments started April *******. If you missed the time-frame to submit a payment to lower the balance and your monthly payment there is nothing we can do to assist you. If you made the payment within that time frame and can show documentation, please submit those documents to your loan servicing agent at: Georgia's Own **************************************************. They can adjust your loan and correct this error. 
  

  We apologize for your confusing Enium as your lender, but we are dedicated to assisting borrowers to resolve any matters that we can.   I hope this information helps with a favorable outcome. 
  

  Thank you,
  

  Enium Customer Support

• Initial Complaint

  07/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased solar panels through Sunco Solar, they told me and Enium that a tax rebate would come the following tax year. And until them I would only be charge $15 monthly. When i did file my taxes my accountant told me I would only get a tax credit and would not see a rebate until possibly next tax year. My payments then, after the first year of $15 payments shot up to $569. I explained that I am on disability and a fixed income and Enium refuses to work with me until I get my rebate. Their only suggestion is to refinance through a different finance company. PlEASE NOTE I am filing same complaint against Sunco Solar. So far I paid $15x12=180+$569=$749

  

  Business response

  07/17/2024

  We have sent the following email to ***** and ***********************. There is no further action we are able to take at this time, unfortunately.

  7/17/2024: 

  Dear ***** and *****,

  Thank you for reaching out to us and sharing your experience. We sincerely apologize for the difficulties you've encountered regarding your solar panel payments and the associated tax credit.
  

  We understand how challenging this situation must be, especially given your fixed income and disability. We would like to clarify that our role at Enium was to facilitate the financing for your solar panel purchase. The specifics of the tax rebate and any promises made regarding payment amounts would need to be addressed directly with Sunco Solar.
  

  We recommend contacting Sunco Solar to discuss your concerns further. They should be able to provide you with more detailed information and assistance regarding the tax rebate and your payment plan. We also suggest speaking with a tax advisor to explore all possible options for your tax credit.
  

  Please know that we are here to support you as best as we can within our capacity. If there are any other questions or concerns you have that we can assist with, do not hesitate to let us know.
  

  Thank you for your understanding.
  

  Warm regards,
  
  Enium Support Team

• Initial Complaint

  06/30/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I need the solars fixed. They havent worked for 3 yrs. Im barely complaining cuz I been through 3 deaths and a trama. I have power of attorney of my mom. She has demencia and is 87. She was tricked on getting them. Send someone to fix them right away or stop charging us and take them off or Im suing everyone and I want money deducted from bill

  

  Business response

  07/01/2024

  We have reached out to **** and *********************** after we received this complaint. The email is below and outlines our position. There is no further action we can take at this time. If there are other developments, we will inform the borrower and the BBB.

  7/1/2024 11:44am Email 
  Hi *****, 
   
  We have reviewed your complaint and would like to know if you have already reached out to your solar company or installer regarding your concerns. 
   
  Please note that Enium Capital Group is not your solar provider nor your lender, therefore, we do not have control over their responsiveness and actions. We recommend contacting your solar company directly, as they can offer the most immediate assistance. According to your contract, your solar provider is Empower Solar. Here is their contact information: 
   
  Email Address: *******************; ******************* 
   
  Contact Number: *****************-306-6953 
   
  Please allow them a few days to respond. If you do not hear back from them, feel free to reach out to us again, and we will do our best to assist you further. Thank you for your understanding. 
   
  Kind regards, 
  
  Enium Support Team 

• Initial Complaint

  06/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  The solar panels were installed on my garage. They are not working. I am paying off a loan for a job that was not finished.

  

  Business response

  07/05/2024

  To whom it may concern;

  
  Thank you for bringing your concerns to our attention.  We understand the issues highlighted and are committed to resolving them promptly. 
  

  ********************* has been added to the reassignment sheet with 360 Electric. Once 360 Electric has finalized the reassignment, they will reach out to the borrower and schedule a time they can come inspect the system and assess the next steps.  They will be able to finish the project and make sure the system is fully operational.   
  

  Although we are not the primary solar company, we remain dedicated to helping get the system completed and fully operational. In the meantime, if you have any further questions or need additional assistance, please do not hesitate to reach out to us. We are here to support you and will do our best to help facilitate the process. 
  

  Thank you for your understanding and patience.

• Initial Complaint

  06/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We signed up for solar energy through US Renewables in February 2023. US Renewables then sold the contract to Eleanor Electric (USR misrepresented that they would be doing the whole project themselves, but that's a separate complaint). Eleanor Electric partially installed the panels in May of 2023, and left the remaining pieces of equipment to be installed with us. We've been trying to get someone to finish the installation every since without any luck. The financing went through Meriwest with Enium managing the loan. On May 13, 2024, we contacted Meriwest and learned that they never actually financed the loan, so we didn't owe them any money. We then reached out to Enium to try to find out the status there, and received what appeared to be an automated email back saying we would be contacted within 7 business days. We never heard back from that request for contact, but then received an email thanking us for setting up our automated payments on May 30th. We immediate called the number listed in the email (###-###-####), and spoke with a rep there. She told us there was nothing she could do to help us understand the situation, and that we needed to email the company through the website. We explained that we already tried that an no one got back to us. She said she made some notes on out account but again said we needed to go through the website. She gave us a very specific link to go to follow-up, but it didn't work. It's now June 25th and we have no more clarity on the issue than we did when we first initiated contact. The only difference is that we are now being charged for the system that was never fully installed (and likely never will be). We just want this system gone so we can move forward with another solar company, but we're stuck in an infinite loop.

  

  Business response

  07/05/2024

  As an update to this matter, we have reached out to the borrower, *********** ***** with the following email on June 26, 2024:

  Hello *********** and *********, 

  We acknowledge your concerns regarding your solar system. As your chosen installer is no longer able to address these concerns satisfactorily, we are stepping in to help and are currently seeking a new contractor to see your project to completion. Updates will be provided to you as we receive them.  Please keep in mind that Enium is neither your solar installer nor your lender, but we are here to help get your project completed. Because this is the case, please understand that we may not be able to fulfil all of the promises your initial solar installer made you, but we are committed to your satisfaction and providing you with an excellent experience going forward. 

  Respectfully, 
  Kind regards, 
  Enium Support Team 

  The loan is currently in DEFER status and no payments are made or expected during this time. The payments will not begin until the system is fully installed and working. When we have more information, we will update the borrower and the BBB.

  Thank you,
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩