Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I, XXXX XXXX, am the Successor Trustee of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The Trust holds legal title to the real property located at XXXX XXXX XXXX XXXX, CA ( XXXX : XXXX, Owner : XXXX, XXXX & XXXX FAM XXXX XXXX, Parcel Type : XXXX | REAL PROPERTY, Parcel Status : A | ACTIVE ). I am the sole and legitimate authorized signor on behalf of this trust. As the Trustee, I legally hold the title of this property in Trust. I am the only binding owner of this real property, with lawful rights and procedures to abide by as Trustee. The Trust, as well as my fiduciary duties to protect the prior settlors ' written requests, are governed by law in the State of California. The City of XXXX and XXXX XXXX XXXX have every recorded documentation affirming the above information historically, accurately, and without challenge, such as the Certification of Trust, Affidavit of Death of Trustees, Court appointment of XXXX XXXX as Successor Trustee since XXXX, XXXX Deed , County Assessor 's information, Property Tax information, and other applicable resources to validate. This information is readily available, easily accessible, and within the scope of the most basic practices of common knowledge for your company, Solar Mosaic 's, to verify as such. Establishing the validity of ownership is of utmost importance in this situation.

The CFPB has supervisory authority over a range of critical issues and discrepancies during Solar Mosaic LLC 's practice. On or around XX/XX/XXXX, a loan submission was made on behalf of a " XXXX XXXX XXXX XXXX '' Although most of the documentation submitted lists " XXXX XXXX XXXX, '' it is crucial to distinguish between the XXXX individuals. " XXXX XXXX XXXX '' was the original Trustor of this Trust and unfortunately passed away on XX/XX/XXXX, nearly XXXX decades ago. A loan that I have no knowledge of, regarding the contractual language and legal dealings with borrower " XXXX XXXX XXXX XXXX, '' was approved on or around XX/XX/XXXX. The factual information I have obtained includes the following : Lien Solutions, on behalf of Solar Mosaic LLC, filed a UCC Financing Statement ( UCC-1 ) with the State of California Office of the Secretary of State, listing the Debtor 's name as " XXXX XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX CA XXXX. The Secured party is " Solar Mosaic LLC, Mailing Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. '' Furthermore, the document explicitly states, " Indicate if collateral is held in a Trust or is being administered by a Decedent 's Personal Representative. '' The response is " Not Applicable. '' After speaking with the filer, XXXX XXXX XXXX XXXX, on behalf of Solar Mosaic LLC, they indicated that Solar Mosaic LLC submits these documents as a matter of legal fact. This property, as I have repeatedly stated, is in a Trust. The absolute lack of due diligence and understanding of the legal procedures required to enforce a lien against a property held in trust is unacceptable. One guideline is that Solar Mosaic 's borrower " XXXX XXXX XXXX '' does not own any real property ; all of his assets are held in-trust. This further complicates the incontestability clause of any beneficiary placing a creditor 's claim against the estate. This is absolutely unlawful, and the CFPB has the authority to validate if this lien and contract terms are valid and/or enforceable.

Another lien was then recorded on XX/XX/XXXX, addressing the solar panels, which are referred to as " collateral goods. '' UCC Financing Statement Addendum. " This FINANCING STATEMENT is to be filed [ for record ] ( or recorded ) in the REAL ESTATE RECORDS ( if applicable ). '' The name of the Debtor is listed as " XXXX XXXX. '' Sec No. 15, " Name and address of a RECORD OWNER of real estate described in item 16 ( if Debtor does not have a record interest ), '' explicitly states " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, '' then gives the exact description of the real estate. This information can be obtained by going through the XXXX XXXX XXXX XXXX 's website, which shows that the property is listed as being in a Trust. Solar Mosaic LLC told me that they are not subject to the CFPB 's supervisory authority. The CFPB has the authority to enforce laws that protect consumers from deceptive practices and to uphold companies to their contract terms, especially when they are invalid and unenforceable. 

Lastly, on XX/XX/XXXX, through Solar Mosaic LLC, they subcontracted to a company named " XXXX XXXX XXXX, '' which unlawfully allowed them to pull a building permit through the City of XXXX on my legal property. Under this Building Permit, it lists the work description, the real property address " XXXX XXXX XXXX XXXX, CA. XXXX, '' and legally files under " XXXX XXXX XXXX : XXXX XXXX. XXXX. '' Whatever " legally binding contract '' Solar Mosaic LLC implemented with the claimed borrower " XXXX XXXX XXXX '' is not my concern beyond my fiduciary rights to defend this property against deceptive and unlawful contracts and to ensure that the CFPB holds corporations accountable for " Ownership Discrepancy '' or verification issues. I am not a borrower in this situation. I am not XXXX XXXX XXXX XXXX. I am XXXX XXXX, the Trustee that holds the title of the real property at XXXX XXXX XXXX XXXX, CA, and I gave XXXX authority to have any modifications made to the property or to allow any permits to be pulled on behalf of my property. I did not, and refuse to, sign any contractual obligations to Solar Mosaic LLC or their subcontracted affiliates. These disputes need to be investigated, laws need to be enforced, and unlawful contracts should not be binding in this situation. I am a victim representing the original Trustors as well as the vested interest of the other beneficiary.

Company response to consumer: Closed with explanation