Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
I am submitting this formal consumer complaint regarding a solar panel system financed through Solar Mosaic , Inc. and installed by XXXX, XXXX. I am requesting the Attorney Generals assistance due to what I believe to be serious misrepresentation, failure to perform, and violations of consumer protection laws that have caused significant financial and emotional hardship to my family. In approximately 2020, I entered into a solar installation and financing agreement for my home. The system was sold and installed by XXXX, XXXX, with financing provided through Solar Mosaic , Inc. At the time of sale, XXXX made specific promises that were material to my decision to proceed, including : A documented guarantee of 110 % solar production Ongoing service, maintenance, and support Financial savings on my monthly electricity costs None of these representations have been fulfilled. Since installation, the solar system has consistently underperformed and failed to generate the promised energy output. As a result, I have not experienced any reduction in my electric bills and have not saved any money. Despite repeated attempts to obtain service or support, XXXX never resolved the issues. I have since learned that XXXX is no longer in business, leaving me without any recourse from the seller or installer. During this process, I communicated directly with XXXX accounting department and was informed that I would receive an {$11000.00} refund related to the installation and financing. That refund was never provided. Instead, my monthly solar loan payment increased, further worsening my financial situation. What was presented as a long-term financial benefit for my family has instead become an ongoing financial burden. I have continued to make payments on the Solar Mosaic loan despite receiving a defective and misrepresented system, as I did not want to risk damage to my credit. However, I believe this financing arrangement falls under the Federal Trade Commission ( FTC ) Holder Rule, which states that a consumer may assert against the holder of a credit contract any claims or defenses that could be asserted against the seller. Because XXXX failed to deliver the promised product and services and is now defunct, I am asserting those claims against Solar Mosaic as the holder of the financing contract. I have attempted to resolve this matter directly with Solar Mosaic but have not received a response. I am now seeking assistance from the Attorney Generals Office due to the lack of accountability, the ongoing financial harm, and what appears to be a pattern of deceptive practices. I am requesting the Attorney Generals Office to : Review this matter for potential violations of Arizona consumer protection laws Assist in facilitating a resolution with Solar Mosaic , Inc . Investigate the conduct of XXXX, XXXX and its financing partnerships This situation has placed my family under extreme financial and emotional strain, and I respectfully ask for your assistance in helping to bring this matter to a fair and lawful resolution. I entered into this agreement in good faith and trusted that these companies would stand behind their representations. Instead, I have been left with a defective system, increasing debt, and no support. Thank you for your time and consideration. I am willing to provide any additional information or documentation needed.

Company response to consumer: Closed with explanation