Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
On XX/XX/year>, I was approached by representatives of XXXX XXXX XXXX regarding a proposed home improvement project. The scope of work we discussed and agreed upon included construction of a sunroom, an outdoor BBQ area ( with built-in grill and wet bar ), a custom-built storage shed, artificial turf installation, and the addition of an exterior bathroom. 

Unbeknownst to me, XXXX XXXX XXXX applied for financing with multiple lenders and secured two separate loanseach in the amount of $ XXXXfor a total of {$150000.00} in my name. The lenders involved are XXXX XXXX XXXX and Solar Mosaic LLC. I was never informed, nor did I consent, that these were solar-specific loans. It was only after loan approval and disbursement that I was told the financing had been issued under solar loan programs. 

To justify the solar loan structure, the contractor claimed they needed to remove my brand-new water heater and install a tankless water heater, along with a solar system consisting of panels and battery storage. They further stated that any remaining funds would be applied toward the previously agreed-upon home improvements. These representations were misleading and deceptive. 

I was charged {$65000.00} for the tankless water heater and solar systeman excessive and indefensible amount. Additionally, I was billed {$10000.00} for artificial turf installation over a XXXX area, yet no such work was ever initiated. To facilitate payment from the lenders, both contractorsG-Tech XXXX XXXX and XXXX XXXX XXXX  XXXXsubmitted documents falsely signed in my name, fraudulently attesting that work had been completed. These actions were taken without my knowledge, consent, or authorization. 

Alarmingly, both contractors are now claiming credit for the same installationsthe tankless water heater and solar systemdespite their duplication, resulting in two separate {$75000.00} loans. I am now being wrongfully held responsible for {$150000.00} in solar-related debt for services with an estimated value of no more than {$20000.00}. This is a clear case of duplicative billing and predatory financial abuse against a XXXX citizen as I am XXXX XXXX XXXX. 

Moreover, both XXXX and Solar Mosaic LLC disbursed funds to the respective contractors without ever verifying the completion of work with me, the borrower. Both lenders continue to hold me liable for these loans, despite my repeated attempt to communicate otherwise to them. Solar Mosaic LLC sold my loan to a bill collector XXXX XXXX XXXX reference account number XXXX. Upon further investigation by XXXX XXXX XXXX they confirmed my complaint yet they have not shown any desire to remedy this egregious wrong. I discovered numerous public complaints and reports involving Solar Mosaic LLC and XXXX XXXX XXXX, alleging a pattern of deceptive business practices and predatory lending. Legal actions filed by organizations such as the Legal Aid Society cite misrepresentation, inflated costs, and targeting of vulnerable populationsincluding XXXX  and communities of color. XXXX XXXX XXXX failing to verify work, and homeowners being pressured into loans with unfavorable terms. 

This is deeply troubling, especially given that I am a XXXX  citizen and an XXXX American. I feel I have been deliberately misled, financially exploited, and exposed to long-term credit and legal risk through no fault of my own.

Company response to consumer: Closed with explanation