Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
Complaint Letter to Consumer Financial Protection Bureau Regarding XXXX XXXX and Solar Mosaic, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : https : //www.consumerfinance.gov/complaint Subject : Consumer Complaint Against XXXX  XXXX and Solar Mosaic , LLC for Fraudulent Solar Loan Practices Dear Consumer Financial Protection Bureau , I am filing a formal complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Solar Mosaic, LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for deceptive and fraudulent practices related to incomplete solar installations at my properties in Florida, North Carolina XXXX and Pennsylvania XXXX involving loans totaling {$230000.00} ( {$91000.00} FL, {$75000.00} NC, {$72000.00} PA ). I paid {$36000.00} over 24 months ( ~ $ XXXX per property ) without approval for incomplete work, suffered unauthorized bank deductions, received no documentation for IRS solar tax credits, and faced credit harm from default and debt collection. 
Details of Complaint : Florida Property ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Loan : {$91000.00}, in default. 
Issues : XXXX XXXX promised roof repairs and solar installation but completed no work. Mosaic paid XXXX XXXX without my approval. I paid {$12000.00} ( ~ $ XXXX, 24 months ) via autopay, stopped by my bank. No contracts, cost breakdowns, or tax credit documentation provided despite years of requests. 
Fraud : False disbursement for unperformed work, unauthorized deductions, failure to provide tax documents. 


North Carolina Property ( XXXX XXXX XXXX, XXXX, NC XXXX ) : Loan : {$75000.00}, sold to debt collector ( e.g., XXXX XXXX XXXX XXXX XXXX ). 
Issues : XXXX XXXX failed to cut trees for sunlight, as promised, using false excuses ( e.g., neighbor issues, despite my trees ). They installed incorrect equipment, provided no battery connection documentation, and falsely claimed completion to Mosaic and XXXX XXXX ( XXXX issued ). Mosaic initiated autopay without approval ( {$12000.00} paid ). No contract or cost breakdown provided. 
Fraud : False completion claims, unauthorized deductions, debt collection harassment, no tax documentation.

Pennsylvania Property ( Primary Residence, Address Available Upon Request ) : Loan : {$72000.00}, sold to debt collector. 
Issues : XXXX XXXX installed a defective battery and inverter, confirmed faulty after 10 months. They provided no battery backup documentation and falsely claimed completion to Mosaic and XXXX XXXX XXXX ( XXXX issued ). Mosaic initiated autopay without approval ( {$12000.00} paid ). No contract or cost breakdown provided. 
XXXX : False completion claims, defective equipment, unauthorized deductions, debt collection harm, no tax documentation. 



Additional Context : Total Harm : {$230000.00} in loans, {$36000.00} in payments, credit damage from default ( FL ) and collections ( XXXX ), and inability to claim solar tax credits due to missing documentation. 
XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX remain liable under the FTC XXXX XXXX ( XXXX C.F.R. XXXX ). 
Prior Actions : I filed complaints with the BBB, Florida, North Carolina, and Pennsylvania XXXX XXXX for over a year, without resolution. XXXX XXXX, PC, declined my case on XX/XX/year>, citing statutes of limitations ( FDCPA : 1 year, FCRA : 2 years, FDUTPA/NC UDTPA : 4 years, PA XXXX : 6 years ). 
Legal Violations : Potential violations of XXXX, NC XXXX, PA XXXX, FCRA ( inaccurate credit reporting ), and FDCPA ( improper debt collection ). 

Request : Investigate XXXX XXXX and Mosaic for fraudulent loan practices, unauthorized payments, and failure to provide tax documentation. 
Compel production of contracts, loan details, and solar tax credit documents. 
Seek remedies, including loan cancellation ( {$230000.00} ), refund of {$36000.00} payments, credit repair, and cessation of debt collection. 
Coordinate with state XXXX XXXX and file a proof of claim in XXXX bankruptcy. 

Please contact me at ( XXXX ) XXXX or XXXX for my PA address or evidence, including bank statements ( {$36000.00} payments ), correspondence, photos of incomplete installations, and debt collector notices. I have also contacted XXXX XXXX XXXX ( FL ), XXXX XXXX XXXX ( NC ), XXXX XXXX XXXX XXXX XXXX ( PA ), and state XXXX, as recommended by XXXX XXXX. Thank you for addressing these deceptive practices. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation