Consumer complaint received 2026-04-11 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: MO

Complaint narrative:
I am submitting this formal complaint regarding a home solar loan I entered into with Solar Mosaic , Inc. ( the loan assets are now held and serviced by Solar Servicing LLC and its parent, XXXX Bank ) on XX/XX/XXXX. XXXX. Veteran Status and Severe Financial Harm XXXX XXXX XXXX XXXX XXXX Because of the predatory structure of this loan and a XXXX on my title, I was recently blocked from selling my home. I was forced to hire a property management company to rent out my property at a loss, and I am now forced to pay out-of-pocket to rent a separate home for my family at my new location. This entire situation has placed an immense financial strain on my family and has caused severe emotional distress. XXXX. Violations of the XXXX XXXX XXXX ( XXXX ) At the time this loan was originated, I was a covered active-duty servicemember. Upon reviewing my signed " XXXX XXXX Loan Agreement, '' I identified terms that are strictly prohibited by federal law for XXXX XXXX XXXX XXXX XXXX XXXX Prohibited Mandatory Arbitration : Page XXXX of my agreement contains a " Mandatory Arbitration Agreement. '' Under the XXXX ( XXXX XXXX. XXXX ), creditors are strictly prohibited from requiring covered servicemembers to submit to arbitration. Illegal Waiver of Rights : XXXX XXXX of the agreement requires a " XXXX of XXXX by XXXX. '' The XXXX prohibits lenders from requiring a waiver of my right to legal recourse as a condition of credit. Void Contract Status : Because this agreement contains these prohibited terms, federal law dictates that this consumer credit contract is void from its inception. XXXX. Deceptive Practices and the FTC Holder Rule This loan was for a residential solar system provided by Freedom Forever. The total amount financed was {$59000.00}, with a total repayment of {$73000.00}. I assert my rights under the FTC XXXX XXXX. Solar Servicing LLC, as the successor/holder of the loan note, is subject to all claims and defenses that I could assert against the seller, XXXX XXXX. The marketing of this loan was deceptive, specifically regarding massive hidden " dealer fees '' rolled into my principal balance, and a misleading XXXX re-amortization " balloon '' structure. I previously sent this dispute to the company and received a response on XX/XX/XXXX, from XXXX XXXX ( the XXXX XXXX for the bankrupt Mosaic entities ), stating they had no authority to modify the loan. Because the active loan is now serviced by Solar Servicing LLC under XXXX XXXX, I am requesting that the current holder recognize the XXXX violations and void or formally rescind this contract so I can clear the title to my home. XXXX. Readiness to XXXX XXXX XXXX XXXX Solar Servicing LLC or XXXX XXXX fails to provide a satisfactory resolution and release the XXXX on my property, I am fully prepared to take this matter to court and retain private legal counsel to enforce my rights under the Military Lending Act and seek damages for the severe financial and emotional distress this has caused my family.

Company response to consumer: Closed with explanation