Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:02/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Lumifi is the one who with draw almost $200 per month for solar panels that was installed on my house by Complete Solar who are contractors for them. My roof was damaged during the installation, I have been calling since September to get my roof fix and they keep sending me to Omnidian who is of no help. **** super rude and lack respect for customers perception. **** bluntly told me SHE CAN PROVIDE ME A QUOTE TO REMOVE THE AT A COST TO ME, or I can continue to wait on Complete Solar. ****** **** is a joke, he is not paying his contractors, he refused to pay flash Roofing the down payment for them to start the repair on my roof. *** have done 4 jobs and is waiting on ****** **** to pay him so he will not perform any other work without been pay for job that was already done. Lumifi is collecting every month on the 5th for Solar panels on my roof. I am setting bucket to catch water when it rain. I would like to know who ***** these people business license, they need to be REVOKE!!!! Under no circumstances should Tallahassee ***** these people license to scam people. They are going around scamming people into installing solar panels while damaging their property. These three are license scammers and should not be allow to operate under any circumstances. Complete Solar, Omnidian, and Lumifi. Stay away every one they are license scammers. DO NOT CONDUCT BUSINESS WITH THE.!!!!

  Business Response

  Date: 02/04/2025

  *** ******* ********* contracted with Complete Solar, an independent Solar Contractor for installation of residential solar panels.  Complete Solar referred *** ********* to Lumifi, a division of ************, for financing options.   After completion of installation of the panels and receipt of permission to operate provided by the local electric company, the lease payments did commence as indicated by ************.
  
  *** ********* contacted Lumifi on September ******* advising that her roof was leaking.  At this time, Lumifi gave her contact information for Omnidian, an independent solar monitoring and repair company.  Lumifi contracts with Omnidian for its solar leases.  ************ has advised Lumifi that in November 2024, the independent solar installation company (Complete Solar) acknowledged to them that the leak was solar related.  Omnidian let us know that their own ************* Manager confirmed with a Complete Solar representative that the repairs would fall under workmanship warranty.  Complete Solar was asked to schedule repairs with *** *********.
  
  Omnidian advised Lumifi that on January 1, 2025 and January 7, 2025 Complete Solar was awaiting internal approval for repairs. Omnidian has advised that as of January 31, 2025, Complete Solar is now denying responsibility for the leak.
  
  As mentioned previously, Lumifi is an independent financing source to facilitate loans or leases for residential solar.  Lumifi does not provide installation or servicing of the panels.  We will continue to work with the repair company and the installation company  for a solution.

• Initial Complaint

  Date:05/30/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company I originally went with was ***********. They wanted to put solar panels on my roof. They said they would give me money if I put solar panels on my roof. We agreed to $60 a month on the solar panels. It was on 6/24/2023, I paid them $245 and they accepted it. Then they sent a letter saying they wanted $171 a month. We never signed any letters and I never promised anything. I told them I am not going to pay it. I was waiting for them to take the panels off the roof so stopped paying them. They accepted the $60 and now they said I am behind $900. They put on my credit report that I owe $52,000. I waited several months, they put a lien on my house for $58,000. I called up the credit card company and they said to call the H363137**3238313831H. They sent me a letter saying I promised to pay this amount and sent it to the credit card company. They said it was out of their hands. I tried to refinance my home but can&#**;t because of the lien placed on it. I want them to take the panels off the roof or to take the $60 a month to pay for the solar panels.

  Business Response

  Date: 06/06/2024

  Customer complains that Bright Oaks (sic)  "wanted to put solar panels on" his roof and further, that *********** (sic) would give him money if the solar panels were put onto his roof.  In response, BrightOak, a ******** of ************* states that it is a Missouri state chartered bank that provides financing for solar energy systems under the tradename of  BrightOak and Lumifi.  BrightOak does not make any sales in a person's home. Instead, a solar sales company will initally sell a customer a solar energy system.  If, and only if, a customer needs financing does BrightOak communicate with a customer. Customers must then apply for financing/credit through BrightOak's online portal. Once a customer decides to purchase a solar energy system from a solar sales company, but cannot afford it without financing help, BrightOak may provide financing depending on if the customer passes certain credit requirements.  At no time did BrightOak make a representation that it wanted to put solar panels on Customer's roof or that it would give Customer money if solar panels were installed on his roof.  In addition, Customer complains that he never signed any letters or promised anything.  However, a contract was entered into by and between BrightOak and Customer that fully details the terms and conditions of the financing.  Further, Customer proceeded to allow the solar sales company that initially sold the solar energy system to Customer to install the system on the roof over Customer's residence.  The installation process took place over several months BrightOak paid the solar sales company on behalf of the Customer based on installation milestones. Customer also complains about BrightOak reporting to credit agencies and a lien on his house.  Per the contract that Customer signed, BrightOak, as a bank, will indeed report on a borrower's credit report if they refuse to make payments on a financed solar energy system.  Moreover, the contract expressly provides that a lien will be placed on the solar energy equipment and not the Customer's home in order to protect the BrightOak's interest in the solar energy system.   

  Customer Answer

  Date: 06/25/2024

  I called them and was on hold for 25 minutes.  Then I called again and again and they hung up on me.  It is not my signature on any of the papers.  They cancelled my loan.  

  Business Response

  Date: 07/09/2024

  Please be advised that Lumifi, a ******** of ************* does not sell or install solar panels.  Instead, Lumifi, offers financing in the form of loans or leases to residential homeowners who desire to finance or lease a solar energy system.  We have spoken to the customer on several occasions and emphasized repeatedly that we never offered any money to install solar panels on the customer's roof.  Customer dealt with a separate company that sells and installs solar energy systems.  OakStar is not present during the sales process.  It is only after the sale is complete and the customer indicates that he or she needs financing that Lumifi offers its products.  In order to obtain financing, the customer is required to fill out an online credit application through Lumifi's portal.  Lumifi will then conduct a review of the application and if the customer satisfies **********************'s underwriting requirements, Lumifi will provide a provisional approval for customer's application.  ********************** will then conduct additional verification steps, including but not limited to a review of customer's identification, credit score and ownership of his or her residence.  If all is acceptable, Lumifi will then fund a construction project for the installation of the solar energy system.  In this instance, the customer agreed to our financing agreement, which was provided to him.  The solar energy system was subsequently installed by the solar sales company and is currently operating.  Customer is receiving the benefits of a functional solar energy system that provides energy to his residence.  However, the customer has failed to make several payments to Lumifi and is currently in arrears.  Lumifi has referred customer to a collection attorney due to the customer's refusal to bring his payments current.