Solar Mosaic LLC

Two collection accounts from XXXX XXXX XXXX related to Mosaic XXXX XXXX appeared on my credit report. I do not recognize these accounts and never applied for or authorized any financing with Mosaic XXXX XXXX. I disputed the accounts with XXXX, but they were verified as accurate without providing any signed contract, application, or documentation proving that I am responsible for these debts. I believe these accounts may be the result of identity theft or fraud. I am requesting copies of the original signed applications, contracts, and all documents used to verify these accounts. If the companies can not provide proof that I opened or authorized these accounts, I request that the accounts be removed from all credit reporting agencies immediately.

I am asserting my consumer rights under the FTC Holder Rule ( 16 C.F.R. 433 ) regarding an open solar loan serviced by Solar XXXX LLC ( Mosaic ) for {$24000.00}. This loan was for a solar energy system to be installed by XXXX XXXX XXXX. The system was never delivered, never permitted, and never installed. XXXX XXXX has since filed for XXXX XXXX XXXX and ceased operations on this project. Because no equipment was ever delivered and no services were rendered, this debt is entirely invalid. Solar XXXX LLC is currently reporting an empty, un-rendered {$24000.00} balance that is severely damaging my credit availability and debt-to-income ratio. I demand that Solar XXXX LLC formally cancel the loan and completely delete this trade line from my XXXX XXXX, and XXXX credit profiles loan # XXXX

I am filing a complaint against Solar Mosaic regarding consumer fraud and a violation of the FTC Holder Rule ( 16 C.F.R. 433.2 ). My solar installer, XXXX XXXX, utilized deceptive sales practices by promising little to no electric bill. My combined Mosaic loan and power bills are now higher than my original baseline electricity costs. XXXX XXXX has since filed for bankruptcy and completely breached its XXXXYear Production Guarantee. Under the FTC Holder Rule, Mosaic is legally liable for the seller 's misrepresentations. I have formally disputed this debt via certified mail. I demand that Mosaic cancel this fraudulent loan and release the property lien.

XXXX XXXX XXXX XXXX XXXX ( XXXX ) is engaged in unfair, abusive, and deceptive debt collection practices in violation of the federal FDCPA and Texas Finance Code Section 392. XXXX previously deleted the credit tradeline for an alleged residential solar energy debt from my credit bureaus because they failed to provide federal validation upon dispute. However, XXXX is actively maintaining a {$38000.00} UCC-1 fixture filing/property lien against my primary residential property. An XXXX representative explicitly confirmed in writing via email on XX/XX/year>, that the credit line was removed as a result of my dispute, yet stated the agency refuses to authorize a UCC-3 termination statement unless the unverified account is satisfied in full. A debt collector can not legally maintain a property claim against a consumer 's primary home using a debt they have already conceded is unverified under federal reporting guidelines.…

On or about XX/XX/XXXX, I entered into a solar installation and financing transaction through XXXX XXXX, with financing provided through Mosaic. The solar system and loan were presented to me with representations regarding energy savings, system performance, and the financial benefits of the transaction. After installation, I discovered that the system and financing arrangement did not perform as represented, resulting in significant financial harm. I believe material facts were misrepresented during the sales and financing process. Had I been provided accurate and complete information, I would not have entered into the transaction under the same terms. I have repeatedly attempted to resolve these issues directly with the companies involved but have not received a satisfactory resolution. On XX/XX/XXXX, I sent a XX/XX/XXXXXX/XX/XXXX Demand Letter regarding this matter. I have also filed complaints with the Massachusetts Attorney General and am seeking CFPB assistance.…

Company : Solar Servicing LLC Loan # XXXX Ticket # XXXX I am filing this complaint against Solar Servicing regarding a solar loan associated with my residence at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. We made multiple efforts to resolve with the company to no avail. My husband and I were induced into this transaction through representations that the solar system was part of a free government program from a now defunct, Mosaic Servicing LLC. We were rushed through the signing process on an electronic device and the loan terms, including the placement of a lien on our property, were not adequately explained. The solar system was improperly installed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following a storm and subsequent roof replacement, it was discovered that the system had not been properly installed. Two panels were nonfunctional and served no useful purpose, and other panels could not be reinstalled due to the original defective installation.…

This complaint is filed against Solar Mosaic , Inc. ( operating as Solar Servicing ) regarding Loan Number XXXX for violations of the FTC Holder Rule ( 16 CFR Part 433 ) and deceptive debt collection practices. The loan was originated for a principal amount of {$40000.00} to finance a residential solar panel installation by the installer, XXXX XXXX XXXX ( which has since filed for bankruptcy ). A formal public search of the municipal building and electrical permit database confirms that this system was installed completely illegally. Zero mandatory building or electrical permits were ever applied for or issued for this solar installation. Because the system was installed illegally without mandatory municipal safety inspections, it suffered a catastrophic structural and electrical failure, resulting in a fire that created an active life-safety hazard on the property.…

I am filing this complaint regarding a solar loan originated by Solar Mosaic LLC in XXXX for a residential solar system installed by XXXX XXXX in California. The outstanding loan balance is over {$40000.00}. At the time of sale, XXXXXXXX XXXX representatives made the following specific promises that were never fulfilled : 1. LOWER ELECTRIC BILLS I was told my electric bills would be significantly reduced. This did not happen as promised. 2. FREE MAINTENANCE AND PANEL CLEANING I was explicitly promised ongoing maintenance and panel cleaning services as part of my agreement. These services were never consistently provided and have completely stopped. 3. XXXX WARRANTY COVERAGE I was promised full XXXX warranty coverage on the system. XXXX filed for XXXX XXXX XXXX in XX/XX/XXXX and ceased all operations, rendering this warranty worthless. The system is currently only partially functioning. I have no recourse with XXXX as they are bankrupt and no longer operating.…

I am requesting full loan rescission and a complete refund of all payments made to date regarding Loan # XXXX. I was fraudulently induced into this contract by the installer, XXXX XXXX XXXX ( acting as an agent for Solar Mosaic LLC ), through explicit misrepresentations. I was promised a {$10000.00} rebate check and a " {$0.00} electric bill, '' with assurances that solar savings alone would entirely cover the monthly loan obligation. None of these material conditions or performance guarantees were met. On XX/XX/year>, I sent a formal notice of dispute via certified mail to Solar Mosaic LLC and their counsel, which was completely ignored. Solar Mosaic LLC has since filed for XXXX XXXX XXXX ( Case No. XXXX ). Under the FTC Holder Rule ( 16 C.F.R. 433 ) and Section 15 of the signed Loan Agreement, Solar Mosaic LLC is fully subject to all claims and defenses that I could assert against the seller/installer. The installer 's fraud completely invalidates the underlying debt.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Re : Formal Complaint Against Mosaic / Solar Servicing Loan # XXXX Deferred Interest Overcharge ( ~ {$10000.00} ), Contractor Misrepresentation, FTC Holder Rule To the Consumer Financial Protection Bureau : I am submitting this formal complaint against Mosaic ( loan originator ) and Solar Servicing ( XXXX XXXX XXXX, XXXX, AZ XXXX, loan servicer ) regarding Loan # XXXX. My complaint involves two serious issues : a verified mathematical overcharge in the deferred interest calculation of approximately {$10000.00}, and material misrepresentations made by the contractor whose financing Mosaic arranged as part of the same transaction. Transaction Background On XX/XX/XXXX, I signed a solar installation contract with XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX ) for a XXXX XXXX XXXX XXXX. The contractor arranged Mosaic XXXX as part of the sale. I signed a loan agreement for {$74000.00} at 8.99 % APR over 26 years, with a 12-month deferred interest promotional period ( XX/XX/XXXX XX/XX/XXXX ).…

I am disputing this installment loan under the FTC Holder Rule ( 16 CFR Part 433 ). The solar system financed by this loan was installed in XX/XX/XXXX but has been 100 % non-operational for over a year due to equipment failure. Despite receiving utility PTO in XX/XX/XXXX, the system generates XXXX power. The merchant, XXXX ( XXXX ), has fundamentally breached the contract by failing to provide a working product or perform repairs. I have already paid {$17000.00} in principal out of my personal savings to satisfy the tax credit requirement, in addition to my monthly payments, for a 'zombie ' asset. I have filed a formal complaint with the California CSLB ( Case # XXXX XXXX ). I am seeking a full loan rescission and a refund of my {$17000.00} and all other payments.

I am filing this complaint against Solar Servicing LLC ( successor to Mosaic LLC ) regarding solar loan account. In XXXX, I signed loan documents with Mosaic ( now serviced by Solar Servicing ) for a solar installation by XXXX XXXX XXXX. I signed with the clear understanding and intention that this loan was contingent on receiving the solar panels and installation services. I canceled the project with XXXX XXXX before any site visit, equipment delivery, or installation occurred. No goods or services were ever provided to me. On XX/XX/XXXX I filed a complaint regarding this matter. XXXX XXXX has since filed for bankruptcy ( XX/XX/XXXX ) and is unresponsive, so they can not provide a formal cancellation letter. Solar Servicing is now demanding payments starting in XXXX for a system I never received.…

COMPANY : Solar Servicing ( current loan holder/servicer ; originally Solar Mosaic , Inc. ) PRODUCT : Consumer Loan Installment loan ISSUE : Problem with the loan disclosures/ Struggling to pay your loan -- - WHAT HAPPENED : On XX/XX/year>, I entered into a {$57000.00} home solar loan ( Loan Number XXXX ) with Solar Mosaic, Inc. to finance a XXXX XXXX residential solar system installed at my home in XXXX, Texas by XXXXXXXX XXXX , an installation contractor approved on Mosaic 's lending platform. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since that time, two material events have occurred : XXXX. XXXX XXXX has gone out of business. 2. Solar Mosaic , Inc. has gone bankrupt, and my loan has been transferred to Solar Servicing. Under the FTC Holder Rule ( 16 C.F.R. 433.2 ), expressly incorporated into Section 15 of my Loan Agreement, the current holder of my consumer credit contract is subject to all claims and defenses I could assert against XXXX XXXX and Solar Mosaic.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am disputing the balance of Loan # XXXX under the FTC Holder Rule ( 16 C.F.R. 433 ). My installer, XXXX XXXX, is bankrupt and in breach of contract. The system was sold with a XXXX XXXX production guarantee, but XXXX monitoring shows a 17 % deficit ( only XXXX XXXX produced in XXXX ). Furthermore, a contractually mandated 3rd-party insurance policy ( XXXX XXXX ) was never provided. As the holder of the contract, XXXX XXXXSolar Servicing LLC is liable for these seller breaches. I have already paid {$16000.00} toward a {$42000.00} contract that was not fulfilled. I am seeking a {$15000.00} principal reduction to reflect this loss of value.

I reached out to XXXX XXXX XXXX to inquire about having solar panels put on my home sometime around XX/XX/year>. I had the salesman come to my house and talked about the project, I was given a quote and I did fill out an application. I was told I had 3 days to decide if I wanted to move forward. I called the salesman back the next day and told him due to the fact I was out of work at the moment due to a medical condition I would feel better if I did this later on in the future. I was told that was no problem, but later a XXXX charge appeared on my credit report from Mosaic. I reached out to them and they said the funds had been disbursed to XXXX XXXX, but could offer no proof. I reached out to XXXX XXXX and that said that no funds had been received. So, someone is not being honest obviously. Now, both companies are in bankruptcy and neither seems to concerned with my issue.…

I am filing a formal complaint against my loan servicer, Solar Servicing LLC, for unfair billing practices and a direct violation of the FTCs " Holder in Due Course '' Rule ( XXXX CFR XXXX ). The servicer continues to collect full payments for a residential solar system that is defective, while the original installer has gone out of business, leaving me with a broken system and an abandoned XXXX warranty. Schedule of events : XX/XX/XXXX XXXX installed by XXXX XXXX, financed via Mosaic. XXXX included a XXXX production and workmanship warranty. Early XXXX XXXX ( XXXX ) solar panels became completely non-operational. System output dropped significantly below contracted levels. XX/XX/XXXX Submitted formal warranty service request to XXXX XXXX for the failed panels. XX/XX/XXXX Scheduled technician visit. The technician failed to arrive. XX/XX/XXXX Discovered XXXX XXXX ceased operations and abandoned all consumer warranties. XXXX Solar Servicing LLC of the dispute.…

Misrepresentation at Point of Sale To Whom It May Concern, I am formally disputing my solar loan currently serviced by solar Servicing Account number XXXX I entered into this financing agreement based on representations made by the solar company that my total monthly energy costs would be approximately {$150.00}. However, my current monthly costs are significantly higher. I am paying approximately {$260.00} per month for the solar loan in addition to {$150.00} or more for my electric bill, resulting in total monthly costs exceeding {$400.00}. Additionally, the solar company presented tax incentives and rebates in a manner that suggested my overall system cost would be significantly reduced. In reality, I am financing approximately {$45000.00} I have made multiple attempts to resolve this issue with the solar company but have received no meaningful response and have been given inconsistent contact information.…

I am filing this complaint regarding improper interest allocation and lack of response from my loan servicer, Solar Servicing LLC, in connection with my solar loan. On XX/XX/year>, I made my regular monthly payment of approximately {$440.00}. On XX/XX/year>, I made an additional payment of {$21000.00} intended as a principal payment. Prior to making this payment, Solar Servicing LLC confirmed to me in writing that any additional payment made on a different date than the monthly payment would be subject only to the daily interest accrued between the two payment dates, as the loan accrues interest daily. Despite this, when my {$21000.00} payment was applied, {$1600.00} was allocated to interest and only {$19000.00} to principal. Based on the loans APR of approximately 8.99 % and an outstanding principal balance of roughly {$70000.00}, the daily interest accrual is approximately {$17.00} per day.…

I had a solar panel system installed through XXXX XXXX, financed by Mosaic, approximately in XX/XX/year> ]. The total loan amount is around {$46.00} with monthly payments of approximately {$370.00}. The system worked only for a few months after installation and then stopped producing energy. After noticing the issue, I contacted the company to request service and repair. I made multiple attempts to get assistance, but the company did not provide a timely or effective response. Despite the system not working, I continue to be charged monthly payments for a system that is not producing electricity. I have also checked and there has been no improvement or repair made to restore the system. I am requesting that the company repair the solar system so it functions as promised, or provide a fair resolution such as adjusting or canceling the loan since the product is not working and I am still being charged.

I am filing a formal complaint regarding a solar loan originally associated with XXXX XXXX XXXX XXXX and financed through Mosaic, now being serviced by Solar Servicing LLC. This loan is disputed due to material misrepresentation, system non-performance, and failure of consideration. At the time of sale, I was told that the solar system would significantly reduce my electricity costs and that I would receive a federal tax credit in the first year that could be applied toward the loan. These representations were critical in my decision to proceed. However, the written agreement explicitly states that there are no guarantees regarding system performance, savings, or tax incentives. This directly contradicts the sales representations made to me and constitutes deceptive and misleading practices. Additionally, the solar system has not performed as expected and is not providing the promised benefits.…

XX/XX/XXXX XXXX Lien by Mosaic ( Now Solar XXXX XXXX XXXX was placed on my property after Loan was approved for a solar panel installation-XXXX, PA. XXXX XXXX XXXX XXXX the solar company was unable to start work and agreed to cancel the contract. XX/XX/XXXX XXXX cancellation specialist reached out to confirm cancellation process started but due to Mosaic being in Bankruptcy the lending company paused all loan cancellation processing. XX/XX/XXXX XXXXMosaic XXXX XXXX sends e-mail announcement that ther are now Solar Servicing. XX/XX/XXXX XXXXwhile applying for a refinancing loan for my home it was bought to my attention the XXXX was still on my home.…

I am submitting an update to my existing complaint regarding this account. Since my original complaint, the situation has escalated significantly and remains unresolved. Key issues : I submitted a formal dispute on XX/XX/year>, and a follow-up on XX/XX/year>. I was advised I would receive a response within 14 days. I have received no response to date. I sent an additional written notice on XX/XX/year>, again requesting clarification and documentation. No response has been provided. Since that time : Autopay has not processed for multiple billing cycles despite no changes made by me. I have not received any account statements, payment reminders, or delinquency notices. I attempted to access my account online and was informed that my account is not authorized for access. Despite these issues, the account has now been reported as XXXX days late.…

* * Complaint Against : Mosaic ( Solar Loan Servicer/Lender ) * * * * Issue : Reporting and attempting to collect on a loan for goods/services never received * * I am filing this complaint regarding a solar loan serviced/owned by Mosaic. I am being held responsible for a loan tied to a solar installation that was * * never completed and for which I never received any goods or services * *. The solar company associated with this loan is now out of business. No solar system was ever installed on my property, and no equipment was delivered. I did not sign any completion certificate, nor did I authorize finalization of any project. I have obtained written documentation from XXXX XXXX explicitly stating that * * no goods or services were ever received * *. This documentation was provided to Mosaic, yet they continue to report this account on my credit report and/or attempt to collect on this invalid debt.…

In XX/XX/year>, I contacted Solar Servicing LLC regarding a solar loan originally financed through Mosaic that was later transferred to Solar Servicing LLC after Mosaic filed for bankruptcy. My family is an XXXX XXXX military family undergoing a required XXXX XXXXXXXX XXXX XXXXXXXX ( PCS ) relocation from XXXX XXXX XXXXi. As part of this relocation, we were under contract to sell our home in Arizona. On XX/XX/year>, I contacted Solar Servicing LLC by email to initiate the process of transferring the solar loan to the homebuyer, who was willing to assume the loan as part of the home purchase. This is a standard process for solar loans and was how the loan was originally represented to us. On XX/XX/year>, Solar Servicing LLC responded and stated that they are not processing applications for transferring solar loans to homebuyers and recommended that the loan be paid off instead.…

In XX/XX/year>, I purchased a solar system from XXXX XXXX and financed it through Mosaic. My contract clearly states I can transfer the loan to a new buyer if I sell my home. A few months back, Mosaic went out of business due to bankruptcy, and Solar Servicing , XXXX took over the loan. I have listed my house for sale after buying a new one. A few days ago, I called Solar Servicing, and they said they would now allow the loan transfer to the new buyer. They refuse to honor the contract I have, but I never signed anything with them. In order for me to continue with the sale, I will need to pay the balance out of my escrow, totaling {$30000.00}, or pay for it out of my savings. How can they not honor a contract of a loan they assumed? Help For all existing customers ' questions and needs : ( XXXX ) XXXX Monday - Thursday : XXXX XXXX.…

I am filing a complaint regarding a solar loan serviced by Mosaic under the account holder XXXX XXXX. We have made multiple attempts to contact Mosaic regarding serious issues tied to this loan and have not received a meaningful or timely response. This loan is currently under dispute due to problems with the solar installation and contractor performance. The project associated with this loan is incomplete, defective, or not delivered as agreed. Despite this, Mosaic continues to maintain the account and has automatic payments active. We have requested removal of AutoPay, a review of the account, and communication regarding resolution options, but Mosaic has failed to respond adequately. We do not authorize continued automatic withdrawals while this matter is under dispute. Any continued debiting is considered unauthorized. We are seeking assistance in resolving this matter and ensuring the account is handled fairly while the dispute is investigated.

I obtained a solar installation loan through Mosaic ( Solar Mosaic LLC ) in XXXX for approximately {$22000.00}. My loan has since been transferred to Solar Servicing LLC following Mosaic 's XXXX XXXX XXXX filing on XX/XX/XXXX. I have experienced severe financial hardship due to unexpected job loss which forced me to relocate internationally. I reached out to Solar Servicing LLC via email on XX/XX/XXXX requesting hardship assistance including payment forbearance, reduced payment plan, settlement options, and information about loan cancellation under the FTC Holder Rule. Solar Servicing LLC responded but only directed me to call their phone line and did not provide any written information about hardship programs, settlement options, or my consumer rights under the FTC Holder Rule following Mosaic 's bankruptcy. I am unable to make any payments at this time due to complete loss of income.…

Solar Servicing LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX ( Attn : Legal ) " I am disputing this account because the solar project was never installed. Under the FTC Holder Rule, this loan is invalid because the goods/services were never delivered. I demand close this account and delete the tradeline from my credit report immediately. ''