Consumer complaint received 2026-02-10 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: AR

Complaint narrative:
CFPB Complaint Narrative ( Second Complaint Unresolved After Prior CFPB Case ) Company : Mosaic XXXX XXXX / Solar Servicing LLC I am submitting this complaint as a follow-up to a prior CFPB complaint I filed last year regarding this same solar loan. 

In response to my prior CFPB complaint, Mosaic / Solar Servicing LLC stated that the matter was impacted by bankruptcy proceedings and advised that I should file a claim related to the bankruptcy. I did so. Those bankruptcy proceedings have since concluded as of XXXX. 

Despite the conclusion of the bankruptcy, Mosaic / Solar Servicing LLC has failed to resolve the underlying issue with my solar loan. After the bankruptcy concluded, I contacted the company again to seek resolution. Over the past weekend, I reached out, and Solar Servicing has stated that the loan can not be addressed because the system received Permission to Operate ( PTO ) on XX/XX/year>. PTO reflects administrative approval by the utility and does not establish that the system ever functioned, produced electricity, or met contractual performance representations However, providing this documentation does not resolve the core issue. 

The solar system financed through this loan has not functioned as represented and has failed to deliver the expected energy production. I continue to be billed and required to make payments despite the systems non-performance. No meaningful remediation, repair, replacement, or financial resolution has been provided. 

Following the conclusion of the bankruptcy, the company effectively closed the matter without correcting the problem, while continuing to collect payments on the loan. This leaves me paying for a non-performing system with no viable resolution pathway. 

I do not have identifying information for the original installer and have never had a direct servicing or repair relationship with an installer. My only ongoing relationship related to this transaction has been with Mosaic XXXX XXXX and Solar Servicing LLC, who continue to service and collect on the loan. 

At this point, this matter has been ongoing for an extended period, has already been subject to a prior CFPB complaint, and remains unresolved. Continuing to require payment under these circumstances is unfair. 

I am requesting that the CFPB review both my prior complaint ( XXXX ) and this follow-up complaint and that Mosaic XXXX XXXX and Solar Servicing LLC be XXXX XXXX XXXX a final resolution. Given the prolonged non-performance of the system and failure to resolve the issue after bankruptcy proceedings concluded, I am requesting cancellation of the loan, repay me all money collected since installation or other equivalent financial relief. 

Addition to Requested Resolution : I am also requesting removal of the solar panels from my property, as they are non-functional, causing damage to my roof, and providing no benefit. Removal should be coordinated or financially addressed by Mosaic XXXX XXXX / Solar Servicing LLC as part of final resolution.

Company response to consumer: Closed with explanation