BEWARE - DIVIDEND FINANCE AKA DIVIDEND SOLAR - SPACEWATER BEWARE! SpaceWater Systems is working with Dividend Finance and scamming elderly people in Second Ward neighborhood. Our father who was 84 years old at the time and lived on Sherman street was preyed upon by 2 representatives (females) back on August 18, 2022. They represented SpaceWater Systems and told him they were giving away FREE water filtration systems. They fraudulently completed a Dividend Finance financial agreement without his consent, lied on the application stating his yearly income was $65,000 per year and forged his name on the financial agreement. First of all, my father has not worked for approximately 30 years and was living off his miniscule social security check. Secondly, he did not know how to speak, read or write English. Third of all, he barely even knew how to work his cell phone, much less handle an electronic tablet to sign anything. SpaceWater Systems and Dividend Finance are working together to defraud the elderly and are filing liens against their homes. You don't have be a rocket scientist to figure out that an elder person sitting on their front porch that is all run down is probably not working. But they know that when they eventually die, their heirs will not be able to sell the home without paying off the lien. There is already a few Yelp reviews on this company where the victims share similar stories. Some neighbors who live in Second Ward have already come forward and said they were also victimized by SpaceWater Systems and Dividend Finance using the same story that they would get a FREE water filtration system. The victims also compared the financial agreements and they show the same exact yearly income of $65,000. None of these people have worked for years and they don’t speak, write, or read English. I find it interesting that they can immediately find out their credit score, but they fail to perform their due diligence to confirm that the yearly salary on the financial agreements is true. It is a total set-up to scam the elderly. Unfortunately, the people victimized don’t realize they have been preyed upon until they get the invoice in the mail. Out of fear, some of them make payments because they think they are going to lose their homes. If you know anyone who has had the same experience with these 2 companies, please reach out to me. We have to stop them from preying on our elderly parents. Our elderly parents should be enjoying their golden years. They should not be worried about paying off a debt they were defrauded into. I have reported them to all the places the National Elder Fraud website has listed, but if anyone knows where else I can report these companies and what else I can do to bring attention to this matter, please let me know. I would also appreciate it if you could share this story in hopes that other victims can come forward. LET'S PROTECT OUR FAMILIES THAT HAVE WORKED SO HARD TO PAY OFF THEIR HOMES FROM THESE CRIMINALS! CALL LILIANA VASQUEZ AT TELEMUNDO AS SHE IS INVESTIGATING THIS STORY! Thank you.

DO NOT LEND WITH THIS COMPANY This is the worst company I have ever had the opportunity to deal with. Their loan assumptions are an absolute mess. Their Customer service and loan assumption officers don't have direct lines. No one is allowed to share information with you about the assumption, you basically get the run around every single time you call. It's unbearable. Do not get a loan with this company. They failed to qualify a buyer for a $55/month payment, who is at a 35% DTI on a 700K home purchase and has millions in assets. They are incredibly frustrating.

Do not do business with them Do not do business with them. We got solar panels through ReNu in PA (another issue). An interaction with Dividend has been underwhelming. Due to economy, I wanted to remove an additional payment amount. I had added to pay off early to get away from this company. You cannot change the dollar amount of an autopay. I had to set up a new autopay. When I reached out to make sure not a double payment. The response was look up your statement here.

Their online portal is absolute trash… Their online portal is absolute trash and getting customer service is a waste time. You can’t even cancel or change auto payments from the portal, you have to call in and everyone you talk to will give you a different answer. I was advised to cancel my old auto payment by telling my bank to reject it, which I had to pay $30 to do. Now each month, even though I have a new auto payment setup, dividend charges me $20 because on their end they are still trying to charge the old plus the new auto payment. I have been told they can’t cancel the auto payment in their end. For a finance company offering loans this is completely unacceptable.

Top Tier Solar Solutions ROCK! Top Tier Solar Solutions ROCK!! Having solar panels installed might be the best choice I've made in decades! These guys are so sweet and knowledgeable about the system, installation and financing. It's been a pleasure to work with them and Dividend Finance to get this project done. No hassles, smooth rolling. I definitely give them a top ten star recommendation!!