Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Complaint Statement I am submitting this complaint to the Consumer Financial Protection Bureau regarding Freedom Forever ( solar company ), and Mosaic LLC/Solar Servicing, LLC ( finance company ) for serious concerns regarding the handling of a solar project that was canceled. This includes XXXX XXXX accepting full payment for work that was never performed and submitting a fraudulent work order of completion to the finance company and the finance company pursuing us for payment even though we have provided written proof that XXXX XXXX committed fraud in collecting money on a cancelled solar job. 

Project Overview On XX/XX/XXXX, we signed solar loan documents provided by and initiated by XXXX XXXX for a solar installation. 
We subsequently cancelled the project due to : 1. XXXX XXXX inability to secure the promised XXXX batteries ( per their XXXX, XXXX XXXX ), and 2. Necessary roof repairs on our home. 
XXXX XXXX later confirmed in writing that the project was placed on hold in XX/XX/XXXX. 
No equipment was delivered, and no work of any kind was ever started. 

Full Payment Disbursement Despite no work having been performed, Freedom Forever received full payment of {$62000.00} from Solar Servicing, LLC ( formerly Mosaic ) on XX/XX/XXXX, less than XXXX week after we signed the agreement. 
Mosaic LLC/Solar Servicing , LLC did not ensure the project was completed and that solar was installed on our home and then funded the job in its entirety. Per the initial loan document, no payments are due and the loan start date is not initiated until after installation. 

Fraudulent Work Order of Completion The finance company claims they received a work order of completion dated XX/XX/XXXX, which triggered the full payment. 
This is impossible, as XXXX XXXX own project XXXX emailed us on XX/XX/XXXX, stating the project was only then ready to begin installation. 
We believe this work order is fraudulent or submitted in error, resulting in the improper release of loan funds for a project that never commenced. The finance company has refused to provide the alleged work order of completion. 

Discovery and Impact We only became aware of the loan over a year later, on XXXX XXXX XXXX, when the finance company emailed stating a payment was due. 
The loan also appeared on our credit report, for which we have a screenshot as evidence. 
The finance company requires XXXX XXXX to submit a cancellation through the contractor portal, but as of this filing, no cancellation has been submitted, and we continue to be pursued for payment for work we never received. 
We have forwarded an email from the solar company, XXXX XXXX, to the finance company, Solar Servicing , LLC, that clearly stated our job was canceled. However, the finance company continues to harass us daily for payment. They have also stated that it is our job to retrieve the funds from XXXX XXXX to clear up the matter even though they made an egregious error in funding a job that was never even started. They did not do their due diligence in ensuring the project was completed. 
A complaint has been filed with the Better Business Bureau and there has been response from XXXX XXXX stating this project was cancelled ; however, they have not notified the finance company. 
A complain has been filed with the Better Business Bureau against Mosaic/Solar Servicing and there has been no response.

Company response to consumer: Closed with explanation