Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am submitting this complaint because Solar Servicing, LLC has failed to respond to a written owner/holder identity request regarding my loan. On XX/XX/year>, Solar Servicing, LLC was sent a written request under 15 U.S.C. 1641 ( f ) ( 2 ) seeking the name, mailing address, and telephone number of the current legal owner/holder of my loan. The request clearly identified the borrower, loan number, and property, and asked for the owner/holders name, mailing address, and telephone number, as well as trust/trustee information if applicable. It also asked Solar Servicing to identify the actual servicer if it claimed to be only a subservicer. More than 30 days have passed, and Solar Servicing has not provided the requested information or any substantive response, despite a follow-up email. This is not a minor delay. It is a failure to respond to a lawful borrower request for information necessary to determine who owns the loan and where formal notices, disputes, and claims must be directed. By ignoring this request, Solar Servicing has obstructed my ability to verify the identity of the entity claiming rights in this loan and to communicate with the proper party concerning disputes and legal notices. A servicer should not be permitted to withhold or ignore basic owner/holder information after receiving a written request specifically invoking federal law. Solar Servicings silence in response to a direct statutory request is unacceptable and has interfered with my ability to identify the proper party in interest on this loan and to protect my rights. Solar Servicing, LLC has also engaged in an improper and prejudicial servicing practice after receiving the XX/XX/year> written request for owner/holder information under 15 U.S.C. 1641 ( f ) ( 2 ). Instead of simply responding to that request, Solar Servicing began directing billing statements to my attorney. That is improper and must stop immediately. My attorney sent a narrow statutory request for owner/holder information. That request did not authorize Solar Servicing to change the billing address for the account, reroute required account statements away from me, or treat counsel as the substitute recipient for routine servicing communications. The fact that a borrower is represented by counsel for purposes of a legal request does not permit a servicer to stop sending billing statements to the borrower himself or to redirect ordinary account statements to counsel without authorization. This conduct is especially improper because periodic billing statements are intended for the consumer/borrower so the borrower can monitor the account, verify the amount due, detect errors, track fees and charges, and protect against delinquency, default, or other servicing harm. Redirecting those statements to counsel interferes with the borrowers direct access to time-sensitive account information and creates an unnecessary risk of missed payments, confusion, disputed balances, and avoidable credit or collection harm. Solar Servicings decision to redirect billing statements to counsel appears retaliatory and unrelated to any legitimate servicing need. It looks like a response to a borrowers lawful request for information rather than a good-faith effort to comply with servicing obligations. A servicer should not be permitted to alter statement delivery practices in a way that interferes with the borrowers access to required account information simply because the borrower exercised statutory rights and sought legal assistance. My attorney sent Solar Servicing the attached email on XX/XX/year> directing that monthly billing statements and routine invoices must be sent directly to me. Solar Servicing refused and responded with the attached XX/XX/year> letter stating that it declines to manage multiple addresses and would continue sending all mail for the account to my attorney. That is improper. An attorney sending a letter on my behalf requesting the name of my loan holder does not mean that the attorney represents me for all matters and such representation does not authorize Solar Servicing to stop sending my routine billing statements to me. This practice interferes with my ability to receive and review my billing information, creates unnecessary risk of missed payments and servicing errors, and should be corrected immediately.

Company response to consumer: Closed with explanation