Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding a residential solar loan originated in XX/XX/XXXX and currently serviced by Solar Servicing ( formerly Mosaic ). The loan financed a solar energy system that is materially underperforming relative to the XXXX XXXX used to originate and underwrite the loan. 

At the time of sale and financing, the system was represented to produce XXXX kWh per year, as documented in the original system design materials. However, based on documented production data for XX/XX/XXXX through XX/XX/XXXX, the system produced only XXXX kWh, which annualizes to approximately XXXX kWh/year and dropping. This represents a performance deficit of approximately XXXX %, which exceeds normal production variance and constitutes material non-performance of the financed asset. 

The XXXX, XXXX XXXX, is now bankrupt/out of business and no longer operational. There is no available installer support, repair pathway, or warranty remediation. Despite this, Solar Servicing has refused to investigate or address the systems non-performance, stating that they only service the loan and disclaiming responsibility. 
As a result, I am required to pay both : A monthly solar loan payment of {$390.00}, and Near-full utility electric bills averaging $ XXXX/month Prior to installing solar, my average electric bill was $ XXXX/month. My total monthly energy cost has therefore increased by approximately $ XXXX/month, directly contradicting the financial benefit represented at the time of loan origination. 

Why is this a problem? 
This loan was originated based on specific performance representations that materially failed. The systems underperformance is not a minor variance but a substantial shortfall that undermines the economic basis of the loan. 
With the XXXX bankrupt, there is no independent remedy available. Solar Servicings refusal to investigate or offer relief places the full financial burden of a non-performing financed asset on the consumer, despite the loan being underwritten based on projected system output. 
This constitutes : Failure of consideration Unfair and deceptive servicing practices Improper handling of a formal billing dispute Potential violation of consumer protection obligations applicable to installment loan servicing What have you already tried? 
I submitted a formal written dispute to Solar Servicing, including : Design documents showing promised production Actual production data showing underperformance Utility bills demonstrating financial harm Documentation of the XXXX bankruptcy Solar Servicing responded by stating that system performance is not their responsibility because they only service the loan, and they declined to pause payments, investigate, or provide a resolution pathway. 

Additional Information for CFPB XXXX XXXX XXXX XXXX XXXX ) is bankrupt and no longer services systems System underperformance is documented and exceeds normal degradation Consumer has no independent remediation pathway Continued payment without relief results in ongoing financial harm Loan servicing response failed to address dispute merits

Company response to consumer: Closed with explanation