Consumer complaint received 2026-01-29 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: TX

Complaint narrative:
In late 2024, a doortodoor XXXX XXXX named XXXX XXXX came to my home in XXXX, Texas. He told me that installing solar panels from XXXX XXXX would eliminate my electric bill, that the system would pay for itself, and that I would receive money back from the utility company each month. He also said my utility company would no longer be involved once the system was installed. None of these statements were true. 
The salesman gave me a {$1000.00} check as an incentive to sign up. I deposited this check on XX/XX/year>. He told me to hold this money until tax season and apply it toward the solar tax credit, and he said that if I did this, my monthly solar payment would never increase. This was false my contract shows my payment increasing from about {$120.00} per month to over {$170.00} per month. 
The salesman completed the application on a tablet in my home and then emailed me documents to sign electronically. I relied on his verbal statements, however when I fought to get them to show me my contract, I see that very little matches with what he guaranteed me. 
My first two payments to Mosaic were on XX/XX/year> and XX/XX/year>. During this time, the solar system produced no power for the first two months after installation. The company only refunded one month of my utility bill even though the system produced almost XXXX power for two months. I was paying both the solar loan and my utility bill during this period. 
Before solar, my XXXX electric bills were : {$140.00} on XX/XX/year>, {$170.00} on XX/XX/year>, {$130.00} on XX/XX/year>, and {$120.00} on XX/XX/year>. After solar, my XXXX bill is still around {$40.00} {$50.00} per month, and my Mosaic loan payment is {$120.00} per month. I now pay approximately {$160.00} {$170.00} per month total, which means every month is either the same or more than before solar. Now with the price jump that they promised would not happen, I will be paying over {$200.00} on average with every month. The salesman promised my bill would be eliminated, but instead I now pay two bills for more money.

When I contacted my utility company, they told me they do not work with any solar companies and do not pay customers for installing solar. This directly contradicted what the salesman told me. When I contacted Mosaic, they told me the utility company wouldnt know what Im talking about anyway, which contradicted the salesman. 
The installers told me a XXXX XXXX XXXX inspector would come to approve the system. The XXXX XXXXXXXX XXXX XXXXXXXX inspection sticker on my equipment is completely blank no signature, no date, no inspection type. It has been this way for as long as I can remember. This is making me think that nobody even came by. 
I was unable to access my loan documents because the Mosaic portal redirected me to XXXX XXXX XXXX. I recently requested my full loan documentation from Mosaic, including the signed loan agreement, TILA disclosure, dealer fee disclosure, buydown disclosure, and payment schedule. Mosaic only sent me a single PDF of my loan agreement with the Truth in lending disclosure. I've seen nothing of the buydown fee in the documents.

I believe I was misled into signing this loan under false pretenses. I am paying more now than before solar, the system did not perform for two months, They claimed if I took the {$1000.00} check that my bill would never raise, but it is still scheduled to, the installation may not have been inspected, and I was denied access to my loan documents through a forced redirect from their web site. I am requesting assistance resolving this issue.

Company response to consumer: Closed with explanation