Consumer complaint received 2021-11-13
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I started the contract process, thru a 3rd party with XXXX XXXX for solar installation. XXXX XXXX provided Solar MOSAIC Inc for financing. The third party, Mr. XXXX XXXX was the go between me, XXXX XXXX and Solar Mosaic. He would solicit clients for XXXX XXXX XXXX, the owner of XXXX XXXX solar and was to be paid commission for every new client that purchased Solar instillation. So I never actually met anyone from XXXX XXXX and never had an contact with Solar Mosaic until the loan was finalized. The plan was for XXXX XXXX to install Solar panels and file all paper work and work permits, XXXX the XXXX XXXX Contract. In XXXX I started getting billed from Solar MOSAIC Inc with no work being done. I called Mosaic and explained the situation. The rep told me that the partially fund the project and then fully fund the project when all work is done. At that time I emailed XXXX XXXX, the owner of XXXX XXXX and received a reply stating that he would reimburse me for the payments prior to installation of the solar panels. XX/XX/XXXX the panels were installed and I was told all that was needed was the final inspection from XXXX XXXX XXXX and that all paper work and work permits has been submitted to XXXX XXXX XXXX and my homes owners Association. In the contract it states the XXXX XXXX would be responsible for submitting all work permits and submitting all paperwork to my association and to XXXX XXXX XXXX. In XXXX I sent an email to XXXX for a status. I was told in the reply that XXXX XXXX XXXX was back logged. XXXX, XXXX, XXXX, XXXX, XXXX no inspection and no contact with XXXX XXXX. During that time frame it became impossible to contact XXXX XXXX for status and updates via phone, text, or e-mail. I still kept getting an electric bill and wanted to know what the status of the final inspection from XXXX XXXX XXXX. XX/XX/XXXX I contacted XXXX XXXX  XXXX solar division who informed me that there was not a XXXX submitted to them for my property and that I would not get compensated for my power generation until the XXXX was submitted and that they do not have a back log of cases and the turnaround is only two weeks. After numerous more attempts of failed contact with XXXX XXXX I filed a complaint with the XXXX XXXX XXXX. I also looked up the business up on XXXX and discovered 10 or more people have complained about the same situation that I am having. Incomplete work, no paper work filed, running off with full payment without the work being completed and no means of contacting anyone from the business. I went down to the business listed on the contract and on line for answers. At this point I discovered the business was vacant ( GONE ). I did further research online and discovered that XXXX XXXX, XXXX XXXX, Business license has been revoked as of XX/XX/XXXX. I also found out that XXXX XXXX  has previously plead guilty to fraud and was convicted back in XXXX. XXXX XXXX  was given a business license for XXXX XXXX in XXXX and it was revoked XXXX XX/XX/XXXX. XXXX XXXX went into contract with me to install solar panels with no contract license. SOLAR Mosaic Inc fully funded the loan without all the work being done. It states in Mosaic contract XXXX would be fully funded when all work is complete. SOLAR Mosaic fully funded a project with a company with a revoked contractors license. 
XXXX XXXX, XXXX XXXX  has disappeared without submitting none of the paper and the job is incomplete and left me with the bill with Mosaic for {$24.00}, XXXX and with solar panels on my roof generating power since XXXX but no XXXX submitted. Therefore I have no way to get compensated for the power that I am generating. The power that I am generating is twice the amount of power consumption for my family and I am still getting a bill from XXXX XXXX XXXX. This was an intentional act of fraud. I have filed complaints with XXXX XXXX XXXX, no response. I have emailed a complaint on XXXX XXXX to the State Contractor license bureau. I have filed a police report with XXXX Police Department on line but it has been rejected. I have requested investigative assistance from XXXX and XXXX. I have file a complaint with XXXX XXXX XXXX. I have also contacted MOSAIC Solar Financing asking why they fully funded a load for a project that was not completed. There has to be something in place that prohibits financial institution from funding contractors with no license. Therefore, I am filing a complaint against SOLAR MOSAIC INC for fraudulently funding a contractors project. The loan start date with Mosaic is XX/XX/XXXX. XXXX XXXX licenses was revoked XX/XX/XXXX. As the situation stands now, XXXX, the owner of XXXX XXXX is uncontactable. The business is not at the location listed on the contract or the website. I have SOLAR panels on my roof that I cant use and I am stuck with a {$24000.00} loan that MOSAIC financed without the work being completed and to a company with no contractors licenses. I feel this is a criminal act that needs to be investigated and prosecuted. I also intend to file a this complaint with the Attorney General Office. I have been contacting everyone I can think of to resolve this situation and running into dead ends. I am respectfully requesting your assistance.

Company response to consumer: Closed with explanation