Consumer complaint received 2023-02-26
Company: Solar Mosaic LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a invoice from TX UCC Statement Services that on XXXX XXXX request that I pay them {$90.00} file a UCC-1 financing lien to collateralize with solar panels and equipment related to a solar panel installation at my house and that was to be financed by Solar Mosaic. 
I had not signed such a contract and I refused to pay them {$90.00} sign and return a letter to them that I approved of the project. Then in XX/XX/2023 after I received the notice I called Solar Mosaic and they complied with my request that the installation project be cancelled. They also advised me they would contact the installer to make them aware the project was cancelled,. 
Then they set up a case but did not cancel the contract or terminate the UCC-1 financing statement. Apparently they will not cancel the loan statement or cancel the loan even though they cancelled the project. 
I explained to them I have never seen or signed any contract for their services. They informed me that it was checked on my account there was a signed contract and I did contact their loan department. They said that I had also signed a statement that I have allowed their salesmen to do their presentation. I told them that their salesmen asked me to sign that acknowledgement that they had done the presentation because it would prove to their boss they had done the presentation so they would get paid. They also did a credit check and they contacted their loan department to determine how much my monthly payments would be. They had to do that as part of their presentation because I did ask them how much it would cost each month. 
I told them that acknowledgement was only an acknowledgement that the salesmen did the presentation and did not contain the terms of the contract to explain what Solar Mosaic was offering to do or what I would be required to pay them and therefore it was not a valid contract. i also told them if their salesman contacted their loan department it was nothing more than them attempting to get the potential loan monthly cost so I could determine if I wanted to contract with Solar Mosaic to install solar panels. 
I do now know because I did googled it that solar panel salesmen do not get paid a base salary. They only get paid an incentive if they get a contract signed. I do not know if they forged may name but somebody did if my name appears on a solar Mosaic contract. I am not having any luck obtaining a copy of that contract to review or to examine. The contracted they sent was encrypted. Why would they do that unless they do not want me to be able to read it. 
I told them if my name has been forged on a contract and that acknowledgment is probably where my signature was copied from. 
I have contacted XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Ca XXXX, and they have filed a termination order which is # XXXX. Solar Mosaic instructed me contact them because they claimed terminating the UCC-1 statement was a technical problem that even though they filed the UCC-1 statement they could not terminate it. I did get the termination ticket number and I sent them a letter documenting the termination. I also sent that letter to Freedom Forever at XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, Texas because since they were local they may be who would do the installation. I did contact the Texas XXXX of XXXX XXXX and they terminated the UCC-1 financing statement for me. 
Now I am trying to get solar Mosaic to cancel the loan. They have refused just like they refused to terminate the financing statement. They sent me a copy of " my '' contract in an encrypted file which I can not open. i have requested a copy that is not encrypted and as of this date they have not provided me a copy of this contract that I did not sign and so I can read it and see the terms and the signature. 
I believe if they have a contract that is signed my signature is forged. Since that is a crime I may never get a copy of that signed contract because they know I will accuse them of fraud. 
I am XXXX XXXX XXXX and I do know a financing statement will expire in 5 years. I believe that Solar Mosaic located at XXXX XXXX XXXX XXXX XXXX XXXX Ca., XXXX refused to cancel the UCC financing agreement because if I die before 5 years has gone by they can try to force my children to pay fees associated with the loan agreement I have never seen before or signed before they an sell my house. 
I do know some financing loans do charge a annual fee even if you never draw on the loan funds. That is just one reason they may be attempting to not cancel that loan. They could be drawing funds from the loan now even though the project has not started. If they do they may try to force me or my children to reimburse them for those funds. How can I force them to cancel this loan. I suspect they do have my signature forged on a contract. 
I do know in the last 6 months XXXX XXXX XXXX XXXX has found that Solar Mosaic had filed over XXXX UCC-1 financing statements in XXXX XXXX XXXX I did call a lawyer and he said they may have filed as many as XXXX. The lawyer said that is so unusual that something criminal is probably going on. They did contact another person and he said they filed a UCC-1 financing statement without his permission too He did get his UCC-1 financing statement terminated but I doubt if he knows whether they terminated the loan. I believe if they terminated his UCC-1 financing statement and loan it is only because he is young and not old. I believe this may be a scam to force estates of elderly people who have UCC-1 financing statement filed which makes it possible for Solar Mosaic to force the children who inherit homes to pay large fees associated with contracts that their parent did not even sign just like my contract that Solar Mosaic set up. I think this because it almost happened to me. 
Now I need your help to force them to cancel this fraudulent loan they have created before I get any older and die. please email me at XXXX or call me at XXXX so I can discuss this problem with me. I believe my signature has been forged and I do not know how to properly deal with the situation.

Company response to consumer: Closed with explanation