Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: MT

Complaint narrative:
In XX/XX/XXXX I opened a loan with Mosaic XXXX XXXX for a windows loan with a monthly payment of {$130.00} that was due on the XXXX of the month with a 15 day grace period. I was consistently on time with my payments with XXXX issues. XXXX XXXX I was emailed that the company Mosaic XXXX had filed bankruptcy and that Solar Servicing LLC had taken over. That month for whatever reason my XXXX payment wasn't taken out until XX/XX/XXXX for {$250.00} which was different from the normal withdrawal that usually occurred between the XXXX of the month. On XXXX they emailed me that they hadn't received my payment. On XXXX their site shows payment was made, then on XX/XX/XXXX said the check was returned, can't locate account. On XX/XX/XXXX they show a payment of {$260.00} that went through, however the company emailed me on XX/XX/XXXX and XX/XX/XXXX that the payment was returned, so I made another payment of {$250.00}. On XX/XX/XXXX the {$260.00} was removed from my account and of XX/XX/XXXX the {$250.00} was removed. I called and spoke with someone and asked since they kept emailing me saying the payment didn't go through, when it did, could I skip XXXX 's payment considering I paid {$760.00} in 3 months. The guy said yes and set up autopay again on my account. XXXX 's payment on their site came back on XX/XX/XXXX as can't locate account but show 's as paid on XXXX and was withdrawn from my checking account on XXXX. On XX/XX/XXXX they charged me a late/return fee saying that my account was not on autopay even though it was set up as, stating that I gave the wrong account information even though the payment had been removed. On XXXX they took a payment of {$130.00} stating that my account wasn't on autopay but adjusted me the late fee since my account was supposed to be on it. On XX/XX/XXXX they received a payment of {$130.00}, then on XX/XX/XXXX they charged me a {$6.00} late fee even though my payment was on time. For the XXXX payment I changed banks to XXXX and set the payment amount as {$150.00} since they kept changing my monthly payment and on XX/XX/XXXX they again charged me another late fee even though my payment was again made on time. I called and asked them why they charged me a late fee even though the issue with the autopay had been resolved? The guy told that it was because I have an issue making my payments on time and I'm consistently late. When I'm able to pay on time then they won't give me a late fee. I told the guy that I have never had a problem with that and I have always been punctual. That when they took over the loan all of a sudden there was problems. He told me to contact my bank because for whatever reason my payments weren't being approved. I told him that I wanted to speak with a supervisor/manager. ( This is my XXXX time requesting XXXX in the past month. ) The gentleman then said that they will not call me back because it's an issue with me and that I should make sure that I have the funds in my account so that I don't get the fee 's. I assured him that I have plenty of money in my account to cover it. He then stated that he was going to hang up on me because I wasn't listening to what he was telling me and that I couldn't speak with anyone else. I then checked with my bank and they told me that they have NEVER refused a payment to Solar Servicing and sent me a document via email showing the payments. I called Solar Serving right after just asking to speak with someone in charge and they hung up on me. This is very unethical lending practices and is starting to feel like a scam.

Company response to consumer: Closed with explanation