Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX agreement was signed on XX/XX/XXXX between XXXX XXXX ( consumer ) and Solar Mosaic LLC ( " Mosaic '' ). Project address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, which is owned by XXXX XXXX. 

XXXXXXXX XXXX XXXX agreement contains " Buyer 's Right to Cancel '' clause, which clearly states " ALL BORROWERS : You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right. '' XXXX XXXXXXXX XXXX agreement contains " Notice of Cancellation '', which clearly states that transaction date is XX/XX/XXXX, and that " You may CANCEL this transaction, without any Penalty or Obligation, within THREE USINESS DAYS from the above date. '' -Consumer ( XXXX XXXX ) called Mosaic on XX/XX/XXXX and notified Mosaic that the XXXX XXXX XXXX was canceled. Mosaic received the request. Mosaic also requested consumer ( XXXX XXXX ) to call XXXX XXXX, Mosaic 's contractor, to notify the cancellation. Consumer called XXXX XXXX and notified the cancellation on XX/XX/XXXX. 

-Neither Mosaic, XXXX XXXX, nor any other business affiliates of Mosaic installed any solar equipment on the property. 

-Despite the fact that consumer canceled within XXXX business days, and despite the fact that no solar panel was ever installed, Mosaic filed a lien XXXX Deed of Trust # XXXX ) against the property of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and recorded the lien at XXXX XXXX XX/XX/XXXX. 

-Consumer found the existence of such lien on XX/XX/XXXX. Consumer called Mosaic on XX/XX/XXXX and requested corrections be made by Mosaic to remove the lien. Mosaic claimed that Mosaic needed to obtain confirmation from its contractor, XXXX XXXX, that the project was never installed before the lien can be removed. 

-Consumer reached out to XXXX XXXX by calling on XX/XX/XXXX. XXXX XXXX told consumer that the issue was escalated to its internal team for it to be resolved. 

-Consumer called Mosaic on XX/XX/XXXX. Mosaic told consumer to call XXXX XXXX. Consumer called XXXX XXXX on XX/XX/XXXX, and was told that the issue will be " escalated to internal team ''. Consumer called Mosaic again on XX/XX/XXXX, and a Mosaic XXXX, XXXX, told consumer that she will look into the issue and follow up on it. 

-Consumer emailed Mosaic on XX/XX/XXXX with the house inspection report. The inspection was done by Texas Real Estate Commission ( TREC ) registed inspector on XX/XX/XXXX. The inspection report clearly shows that there was no solar equipment installed on the property. 

-Consumer received email from Mosaic on XX/XX/XXXX, demanding consumer to start making payment for the solar loan, which was cancelled within three business days and nothing had ever been installed on the property. 

-Consumer has make every possible effort to rectify the wrongful business practices of Mosaic. Mosaic has failed to rectify its mistake. Mosaic has set up extra barriers and loops by telling consumer to communicate with Mosaic 's contractor, XXXX XXXX, who is not a signing party of the XXXX XXXX XXXX Agreement. Mosaic has failed its contractual obligations and infringed on the consumer rights of XXXX XXXX. 

-The failure of Mosaic 's contractual obligations is causing material damages and hardships to the consumer. Due to the existence of Mosaic 's lien, consumer can not have the roof repaired/replaced by the insurance company. Due to the existence of Mosaic 's lien, consumer can not closing on the selling of the property.

Company response to consumer: Closed with explanation