Consumer complaint received 2025-03-14 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:
I financed a solar system through Mosaic in partnership with XXXX XXXX XXXX, XXXX, under the understanding that the system would provide significant energy savings. However, after installation, the system failed to generate the expected energy output, leaving me with high electricity bills in addition to loan payments for a non-functioning system. 

Key Issues : Undisclosed Dealer Fees & Loan Structure Issues The loan agreement contained a dealer fee or financing discount that was not transparently disclosed. 
Mosaic 's contract states that regardless of what I paid the installer, I was still obligated to pay the full loan amount, effectively inflating the cost of financing beyond what was expected. 
Failure to Address Non-Performance of the System Despite multiple complaints to XXXX XXXX and Mosaic, they have failed to offer a fair resolution. 
I requested adjustments to my financing due to the systems failure to perform as promised, but Mosaic has continued charging me full loan payments without addressing the issue. 
Financial Hardship Due to Unfair Lending Practices I have asked Mosaic to intervene or adjust the loan terms due to the systems failure, but they have not provided any solutions. Consumer Protection Violations The contract contains non-transparent financing terms, which may violate consu
mer protection laws.

Mosaics refusal to adjust or investigate despite clear evidence of the installers failure raises concerns about unfair lending practices. I financed a solar system through Mosaic in partnership with XXXX XXXX XXXX, XXXX, under the understanding that the system would generate sufficient energy to offset my electricity costs. However, after installation, the system failed to perform as promised, leaving me responsible for both high electricity bills and loan payments for a non-functional system. 

Key Issues & Consumer Harm Non-Functional Solar System & Unjust Loan Obligation The solar system has never worked as intended, despite multiple service requests. 
XXXX, the local utility provider, confirmed that the system is not producing the required energy. 
I have provided documentation from XXXX and XXXX XXXX own responses that show they are aware of the systems failure but have done nothing to resolve it. 
Mosaic continues to charge me monthly loan payments for a system that does not work, which constitutes an unfair financial burden.

Mosaics Loan Practices Enable Consumer Harm Mosaic requires full repayment of the loan regardless of system performance, even though the product ( solar system ) is defective. 
The loan agreement includes dealer fees and financing costs that were not transparently disclosed at the time of signing. 
This is an unfair lending practice, as it forces customers to pay for a service they are not receiving. 
Attempts to Resolve with XXXX XXXX XXXX Mosaic Have Failed XXXX XXXX previously responded to my complaint by falsely claiming the system was working, despite clear evidence to the contrary. 
I submitted a request for Mosaic to investigate the system failure and adjust or cancel the loan, but they have refused to take action. 
Instead, Mosaic continues to demand payments for a system that does not function, placing me under severe financial stress.

Company response to consumer: Closed with explanation