Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I signed an installation agreement with XXXX XXXX XXXX to install solar panels on my home. After careful consideration, I decided to cancel this project on XX/XX/XXXX. I notified both XXXX XXXX XXXX, and Mosaic ( the loan company ) of the cancellation. I asked for advice on how to proceed, and was told there were no further steps that needed to be taken in the cancellation. No solar panel installation ever occurred. In XXXX of XXXX, I received information from Mosaic that XXXX XXXX had not confirmed cancellation with them. I again reached out to XXXX XXXX, asking for confirmation of cancellation to be sent to Mosaic. On XX/XX/XXXX, I received an email with a loan summary of XXXX, XXXX ( the initial disbursement amount for a project ) from Mosaic, stating I owed this money. I again reached out to XXXX XXXX on XX/XX/XXXX, asking for cancellation proof and stating that a representative from XXXX XXXX needed to contact Mosaic and inform them as well of the cancellation. I received a reply from XXXX XXXX on XX/XX/XXXXXXXX stating yes, our project was cancelled, and that an internal loan cancellation representative would be taking care of the Mosaic loan. On XX/XX/XXXX, I received an email stating Mosaic had filed for bankruptcy on XX/XX/XXXX. I also then received communication from XXXX XXXX on XX/XX/XXXXXXXX that all cancellations were on hold by Mosaic, but that " we are monitoring the situation closely and when Mosaic proceeds with the loan cancellations, I will notify you immediately. '' I was never contacted again by " XXXX, Cancellation Specialist '' from XXXX XXXX. On XX/XX/XXXX, I was informed via email that Mosaic had transferred loan servicing operations to Solar Servicing LLC, and again on XX/XX/XXXXXXXX confirming that my loan would change to Solar Servicing. I was still awaiting contact from the " cancelation specialist '' at this time. On XX/XX/XXXX, I received my first loan statement from Solar Servicing, LLC, including total balance due and monthly payment due. I reached out to Solar Servicing LLC on XX/XX/XXXX, stating that my loan was cancelled, no solar installation had taken place, and attached all confirmation of cancellation emails I have ( three documents as proof of cancellation ). I received NO response. I attempted to call the Solar Servicing LLC and was on the phone for over 2 hours trying to cancel my loan, eventually ending up at the voicemail of a " manager, '' who never called me back. At this point, I submitted a complaint to the PA attorney general. I was able to receive an official letter from XXXX XXXX XXXX re : attorney general stating the project was canceled. I then again attempted for the third time on XX/XX/XXXXXXXX to email the loan company Solar Servicing LLC to inform of cancelation, including this new official Project Cancelation letter given to me by XXXX XXXX yet again with no response. I submitted a second complaint to the PA attorney general on XX/XX/XXXXXXXX considering the situation unresolved, and asking for them to reach out to Solar Servicing LLC as well. I was told this was a duplicate claim, and am still waiting for a response. I am still receiving statements with the same total balance due, the same number of payments remaining, and the same monthly payment due. This shows up on my credit report under Solar Servicing LLC, but does not show up as a collection/discrepancy. I do NOT owe any money to this company as my project was canceled before any installation took place. Evidence points to XXXX XXXX receiving the initial disbursement payment of {$19.00}, XXXX and not returning this money to the loan servicing company ( Mosaic, and then Solar Servicing LLC ) when project canceled.

Company response to consumer: Closed with explanation