Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
To whom it may concern : In XXXX, we bought our home in XXXX from the XXXX XXXX. At that time, we were told by XXXX XXXX that we were required by law to have solar as a new home being built was CA law to have solar installed. We did not want nor did we have the money to buy solar panels at the moment, therefore she recommended that we just lease them from the contractors that XXXX was working with, which at the time was XXXX. We proceeded with all and were set up with a Specialist who would be able to determine our needs for our new home. 

During the first 3 years we requested for additional solar panels to be installed as the XXXX XXXX had assessment on our home needs was incorrect and we were suffering the consequence of having to pay XXXX payments with XXXX to XXXX and an XXXX bill which at that time was running anywhere between $ XXXX {$500.00} for the summers. At some point during XXXX access, there was something wrong with our box at home, and scheduled for a tech repair. Nevertheless, this never improved our concerns. 

In XX/XX/XXXX, XXXX from XXXX XXXX presented to us the opportunity to add additional panels with the pretense that we would meet the XXXX  XXXX deadline and it would eliminate our costly XXXX bill every year. We were sold under high pressure from the XXXX XXXX, with many false deceptive promises. He represented Mosaic lending as it was the financing company that would be financing our project. We proceed with the adding additional solar only to find ourselves to this day with non-operational equipment and a $ XXXX loan. 

In late XXXX, Mosaic sent a third party mediator/contractor to complete our installation for the second time. This time XXXX XXXX took the bid. However, Mosaic now is denying to pay them and that we would be required to pay them directly or we will face a lien on our property. We have never signed a contract with XXXX XXXX and we are being harassed for payment. 

Since XXXX to present, I have filed several report claims with XXXX, CA XXXX XXXX XXXX, XXXX XXXX Attorney General, and the Department of Financial Protection and XXXX XXXX XXXX XXXX, and XXXX in regards Mosaic Lending and their Contractors egregious practices. This is causing our family emotional stress and financial hardship as the cost of living in California is out of control. 

Now XXXX XXXX the third contract Mosaic contracted is threatening with a lien on our property and send me to collection. 

We are aware of other XXXX  being defrauded by Mosaic and their Contractors. The Contractor Licensing Board has these files. We are seeking assistance for a full investigation of our case with Mosaic Lending and their contractors. I have further details such as timeline, report claims, etc that support my claims if needed. If you can assist us with proceeding with our request with the right authorities or direct us to our next step that would be greatly appreciated.

Company response to consumer: Closed with explanation