|
10774960
|
2024-11-12
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Complaint What Happened |
XXXX XXXX, representative of XXXX XXXX came to my home and offered me a Solar System. After measured of the house he found that my house requires 37 panels to produce the necessary electricity. He requested my credit report and he said that I did not qualify for the Loan, I said I know that. Then he came with the idea, that he would qualify me for 31 panels and later when they come to install the panels he would include the remaining panels or 37 panels instead of 31 panels as he put in the contract. He said that I would pay {$180.00} for 18 months and then {$210.00} for the rest of the contract. I told him that it was reasonable, because I was paying much more to the local Electric Company. However, I did not sign the contract. He continued visiting my home and offering multiple PERKS, Gifts, other advices, for example : That the The Federal Government will return {$17000.00} with the Income Tax Return. He added that I have several options with that money, 1 ) give the check to XXXX and reduce the Loan taken or keep the money and spend it in whatever reason I would want. I asked him what would happen if something went wrong. He said that XXXX would be responsible for any damage to my house. Also, he offered me a Generator, an Air Conditioner and even cutting trees that he said was required.
On the fifth visit I signed the Contract. Something it called my attention was that immediately after I signed the contract, XXXX sent a group to change the house Thermostat and the home Light Balls. XXXX did not tell me anything about that. That group damaged the garage Ceiling. We agreed as XXXX would not install the Solar Panels until I could replace the roof. Seven months later a XXXX representative called me and told me that if I do not ORDER the installation of the Solar System the Contract would canceled, my answer was that it was ok for me because I could not find the money to pay for the roofing. The answer was that I would have to pay {$9000.00} of XXXX the XXXX 's Attorneys. They FORCED me to authorize XXXX to install the Solar System. The problem is that they only installed 31 panels, no 37 as XXXX told me and the installers cause some damages to the roof because the roof is leaking now and it was not leaking before they installed the solar panels. The real problem is that XXXX is denying any RESPONSIBILITY. XXXX promised me that XXXX would be responsible for any damage ( s ). The house was not leaking. The garage did not have any holes. Not Perks, not trees cutting, not generator, not money from the IRS, not XXXX XXXX and XXXX deny any responsibilities. The real problems are that now I have a {$52000.00} dollars loan, 2 electric bills to pay : one for {$250.00} dollars ( The Loan ) and another to the local energy company XXXX XXXX XXXX ) for {$220.00} dollars every month. I am paying approximately {$500.00} in Electricity now and I have a Solar System that does not support the energy consumption of the house. XXXX IS NO LONGER XXXX. NOW IS FREEDOM FOREVER.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6642595
|
2023-03-03
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Older American
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-03
|
| Complaint What Happened |
we had a solar system installed by XXXX XXXX XXXX. main company is in XXXX XXXX texas.
the florida operations went out of business.
we have a loan thru Mosaic Solar loan company we signed a contact XX/XX/22 we have contacted both mosaic and XXXX texas bby first class and regular mail, filed complaints with XXXX florida, texas and california.
we have filed complaints with the states attorney generals office in florida, texas and california we have proof of calls ( hundreds ) to XXXX and Mosaic to no avail, before the lines were disconnected or mailboxes were full Mosaic told the XXXX that things were resolved, yet they told us that they the loan company was unable to contact XXXX XXXX.
we have filed complaints again with Mosaic after over an hour on the phone yesterday with them. I had stopped the ACH payments 2 months ago.
the file if 3 inches thick now and post it notes are numerous as to dates and who we spoke to.
XXXX texas DID send a third party out 2 months ago, 1st solar out of florida to look at the ssytem and inform XXXX texas what was wrong. at that time we were informeed the structure was not installed properly to code and was not wireed properly and only 6 of the 20 panels are generating power. the 1st solar company voice mail is full and the contact person XXXX who is a supervisor for 1st solar his mail box also full so we are or were paying both a power bill and a laon payment which we stopped 2 months ago.
everything is documented.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7375851
|
2023-08-09
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-08-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-09
|
| Complaint What Happened |
I am writing a complaint about the finance company " Mosaic ''. This loan bank. This bank disbursed money to a company I contracted on XX/XX/XXXX to do solar and home improvement in my new home. The company name is " XXXX XXXX XXXX XXXX XXXX XXXX '' and his CEO XXXX XXXX XXXX XXXX XXXX As of today XX/XX/XXXX the home improvement is not completed. I called Mosaic to ask about the money and see if it was already given to the company and they told me " yes, the money was given to the company already ''.
XXXX XXXX XXXX XXXX XXXX office is closed, no one responded inquiries, no one contacted me for any details. I am paying a loan for a project I haven't seen.
This financial company needs to be investigated, they shouldn't just hand out money to anyone without doing a proper research. I know about XXXX families that had the same situation happened with " Mosaic '' and " XXXX ''.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6642584
|
2023-03-03
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-03
|
| Complaint What Happened |
I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor.
After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement.
I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went.
I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing.
They are now refusing to speak to me when I call.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7323738
|
2023-07-29
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-07-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-29
|
| Complaint What Happened |
I am writing to complaint against a financial institution call Solar Mosaic LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX with the CA Finance license # XXXX.
This company disbursed all the money from a loan acquired by me to a company that I hired back on XXXX XXXX to do solar panels and some improvements to my home and that never finished my project. We contract XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX, Owner name XXXX XXXX XXXX XXXX and his wife XXXX XXXX. Their company address was XXXX XXXX XXXX XXXX XXXX FL, also have another address on file as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX but apparently, they closed the company. Owner address is XXXX XXXX XXXX XXXX, FL. As today XX/XX/XXXX our home improvement is still not finish and the owner calls saying that he doesn't have the money to finish my improvement and he said that we need to wait more time until he can get more money to finish our project, when the financial institution give him all the {$120000.00} of the loan back on XX/XX/XXXX. The financial institution just asks me if the panels was installed on the house but they never ask for the completion of all the improvement that goes in the contract and its not just me is more than XXXX families having the same or very similar situation with this company XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar and this financial institution Mosaic. They all have been fraud with thousands of dollars. Paying their loans without the completion their projects also they fraud us with the solar warranty and services that their promise to me and my wife. We need your help and this need to be investigated as soon as possible. We are paying a total amount with interest of {$150000.00}. We never see this money, Mosaic just send it to XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar directly and is so frustrating to pay a loan without them finish their job and under lies and false promises to the consumers.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10825937
|
2024-11-16
|
Credit monitoring or identity theft protection services
|
Mortgage
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Mortgage
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2024-11-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7338239
|
2023-08-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Payday loan debt
|
| Date Received |
2023-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-02
|
| Complaint What Happened |
I received two separate billing statements, one week apart. First statement was for a home improvement loan for {$50000.00}. Statements included a signature form to authorize them to setup automated clearing house withdrawals after completing the required banking information. I contacted them numerous times to straighten the matter out but they refused to discuss the matter unless I provided additional very detailed personal information, i.e. DOB, SSN, etc.
Coincidentally, my husband received a similar statement from the same company indicating he had also taken out a home improvement loan for the sum of {$43000.00}.
Neither I nor my husband have applied, received or requested a home improvement loan from anybody.
The name on the statement is my former name from a previous marriage.
This is a scam!
|
| Consumer Consent Provided |
Consent provided
|
|
|
4443484
|
2021-06-08
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2021-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10830219
|
2024-11-17
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Mortgage
|
| Sub Issue |
Trying to communicate with the company to fix an issue with the application process
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2024-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-17
|
| Complaint What Happened |
I, XXXX XXXX, am the Successor Trustee of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The Trust holds legal title to the real property located at XXXX XXXX XXXX XXXX, CA ( XXXX : XXXX, Owner : XXXX, XXXX & XXXX FAM XXXX XXXX, Parcel Type : XXXX | REAL PROPERTY, Parcel Status : A | ACTIVE ). I am the sole and legitimate authorized signor on behalf of this trust. As the Trustee, I legally hold the title of this property in Trust. I am the only binding owner of this real property, with lawful rights and procedures to abide by as Trustee. The Trust, as well as my fiduciary duties to protect the prior settlors ' written requests, are governed by law in the State of California. The City of XXXX and XXXX XXXX XXXX have every recorded documentation affirming the above information historically, accurately, and without challenge, such as the Certification of Trust, Affidavit of Death of Trustees, Court appointment of XXXX XXXX as Successor Trustee since XXXX, XXXX Deed , County Assessor 's information, Property Tax information, and other applicable resources to validate. This information is readily available, easily accessible, and within the scope of the most basic practices of common knowledge for your company, Solar Mosaic 's, to verify as such. Establishing the validity of ownership is of utmost importance in this situation.
The CFPB has supervisory authority over a range of critical issues and discrepancies during Solar Mosaic LLC 's practice. On or around XX/XX/XXXX, a loan submission was made on behalf of a " XXXX XXXX XXXX XXXX '' Although most of the documentation submitted lists " XXXX XXXX XXXX, '' it is crucial to distinguish between the XXXX individuals. " XXXX XXXX XXXX '' was the original Trustor of this Trust and unfortunately passed away on XX/XX/XXXX, nearly XXXX decades ago. A loan that I have no knowledge of, regarding the contractual language and legal dealings with borrower " XXXX XXXX XXXX XXXX, '' was approved on or around XX/XX/XXXX. The factual information I have obtained includes the following : Lien Solutions, on behalf of Solar Mosaic LLC, filed a UCC Financing Statement ( UCC-1 ) with the State of California Office of the Secretary of State, listing the Debtor 's name as " XXXX XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX CA XXXX. The Secured party is " Solar Mosaic LLC, Mailing Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. '' Furthermore, the document explicitly states, " Indicate if collateral is held in a Trust or is being administered by a Decedent 's Personal Representative. '' The response is " Not Applicable. '' After speaking with the filer, XXXX XXXX XXXX XXXX, on behalf of Solar Mosaic LLC, they indicated that Solar Mosaic LLC submits these documents as a matter of legal fact. This property, as I have repeatedly stated, is in a Trust. The absolute lack of due diligence and understanding of the legal procedures required to enforce a lien against a property held in trust is unacceptable. One guideline is that Solar Mosaic 's borrower " XXXX XXXX XXXX '' does not own any real property ; all of his assets are held in-trust. This further complicates the incontestability clause of any beneficiary placing a creditor 's claim against the estate. This is absolutely unlawful, and the CFPB has the authority to validate if this lien and contract terms are valid and/or enforceable.
Another lien was then recorded on XX/XX/XXXX, addressing the solar panels, which are referred to as " collateral goods. '' UCC Financing Statement Addendum. " This FINANCING STATEMENT is to be filed [ for record ] ( or recorded ) in the REAL ESTATE RECORDS ( if applicable ). '' The name of the Debtor is listed as " XXXX XXXX. '' Sec No. 15, " Name and address of a RECORD OWNER of real estate described in item 16 ( if Debtor does not have a record interest ), '' explicitly states " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, '' then gives the exact description of the real estate. This information can be obtained by going through the XXXX XXXX XXXX XXXX 's website, which shows that the property is listed as being in a Trust. Solar Mosaic LLC told me that they are not subject to the CFPB 's supervisory authority. The CFPB has the authority to enforce laws that protect consumers from deceptive practices and to uphold companies to their contract terms, especially when they are invalid and unenforceable.
Lastly, on XX/XX/XXXX, through Solar Mosaic LLC, they subcontracted to a company named " XXXX XXXX XXXX, '' which unlawfully allowed them to pull a building permit through the City of XXXX on my legal property. Under this Building Permit, it lists the work description, the real property address " XXXX XXXX XXXX XXXX, CA. XXXX, '' and legally files under " XXXX XXXX XXXX : XXXX XXXX. XXXX. '' Whatever " legally binding contract '' Solar Mosaic LLC implemented with the claimed borrower " XXXX XXXX XXXX '' is not my concern beyond my fiduciary rights to defend this property against deceptive and unlawful contracts and to ensure that the CFPB holds corporations accountable for " Ownership Discrepancy '' or verification issues. I am not a borrower in this situation. I am not XXXX XXXX XXXX XXXX. I am XXXX XXXX, the Trustee that holds the title of the real property at XXXX XXXX XXXX XXXX, CA, and I gave XXXX authority to have any modifications made to the property or to allow any permits to be pulled on behalf of my property. I did not, and refuse to, sign any contractual obligations to Solar Mosaic LLC or their subcontracted affiliates. These disputes need to be investigated, laws need to be enforced, and unlawful contracts should not be binding in this situation. I am a victim representing the original Trustors as well as the vested interest of the other beneficiary.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10486976
|
2024-10-17
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-17
|
| Complaint What Happened |
I had gotten a loan to pay for my solar panels and a roof back in XX/XX/XXXX in the amount of XXXX. I called Mosaic on XX/XX/XXXX to let them know about paying them for solar panels while I'm still receiving and pay an electric bill. I was told that solar would help with no electric bill. I was asking Mosaic on how i could be relived of paying for the solar panels that are not working. I was told no. I tried to explain that paying is causing me financial hardship with paying for solar and an electric bill. I was asked by Mosaic to get another company for the solar panels. I was referred to another company that supposedly had taken XXXX place. To my surprise they said I no longer had a warranty because of XXXX XXXX XXXX of business and that I will need to pay them to come out an assess the solar panels. I cab not afford to pay anyone or anybody. Also, I noticed that on my Loan Agreement the Loan # is XXXX but on my monthly statements the Loan # is XXXX. This discrepancy is showing red flags.
I'm at my wits end with this. I'm in need of a solution.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4509016
|
2021-07-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2021-07-01
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-01
|
| Consumer Consent Provided |
N/A
|
|
|
7204838
|
2023-07-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-07-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-04
|
| Complaint What Happened |
I received two separate billing statements for two home improvement loans, one that my wife supposedly took in the amount of {$50000.00} and another statement for a loan in my name for {$43000.00}.
Both billing statements received requested banking information to signup for ACH payments.
I called the company on numerous occasions to let them know that a mistake was made and that we never received or applied for any home improvement loan. They were adamant that without supplying further detailed personal information they couldn't discuss or acknowledge the loans.
This is a case of fraud!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6843408
|
2023-04-15
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-17
|
| Complaint What Happened |
In the XXXX of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX.
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit.
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for?
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
|
| Consumer Consent Provided |
Consent provided
|
|
|
10265917
|
2024-09-27
|
Getting the loan
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-09-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7466808
|
2023-08-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-29
|
| Complaint What Happened |
In XXXX of XXXX a Company by the name of Solar Mosaic inc sent out a salesman to my home. I initially accepted the offer, but cancelled it within the 3days that youre allowed. I provided all the necessary information to the company & thought it was resolved. 2 months later it has shown up on my credit. This shouldnt have never happens due to the cancellation process I followed according to their policies. I have spoke with them several times, and the have stated that this has been resolved on their end. I would like this removed from my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10595774
|
2024-10-27
|
Applying for a mortgage or refinancing an existing mortgage
|
Mortgage
|
|
| Issue |
Applying for a mortgage or refinancing an existing mortgage
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Mortgage
|
| Sub Issue |
Loan estimate or other related disclosures
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2024-10-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-01
|
| Complaint What Happened |
I'm the trustee of the estate this fraudulent loan was used for the loan application. As the trustee I hold title/Grant Deed and am the only single authorized persons to sign on behalf of anything regarding the estate/property in question. Solar Mosaic LLC approved a " Home Improvement Loan '' roughly around XX/XX/XXXX - Loan submission was XX/XX/XXXX. This loan had to abide by california and federal governing mortgage laws and proceeded with this loan without doing the first step of verfiying ownership. The contract states ( Use exact, full name ; do not omit, modify, or abbreviate any part of Debtors name ) This name does NOT match the Grant Deed - and the Grant Deed is clearly listed/owned/declared by a trust. The Certification of Trust is recorded public to obtain information beyond what was quite obvious. The loan documents establish Solar Mosaic LLC 's secured interest in the vested property. Loan processing should have caught this. Underwriting should have caught this. Solar Mosaic LLC sub-contracted a solar company called XXXX XXXX XXXX. XXXX pulled a city building permit with the city the estate is establish in, which the grant deed is recorded at. They acquired a permit, with the authorization of a fraudulent owner, a placed solar panels on a roof that isn't structurally sound. The roof was replaced in 'XXXX and the solar panels have a warranty of roughly 20 years. They also installed a new XXXX - the house was build in XXXX and electrical hasn't been upgraded since. All electrical work must comply with the XXXX California Electrical Code, they'd have to rewire the entire house. There's no information provided that this was done and it was, it was done illegally and without authorization to make any adjustments. The borrower obtained this all by committing fraud and the companies involved failed to follow any basic compliance laws and regulations.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7036571
|
2023-05-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-27
|
| Complaint What Happened |
I reached out to the creditor in writing to request a debt validation. However, it has been over 60 days and I have not received any response. I would like to clarify that this account does not belong to me, and neither is the associated address mine. I have never owned or lived at that address.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8376726
|
2024-02-20
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Consumer Consent Provided |
Other
|
|
|
9899579
|
2024-08-24
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Tags |
Older American
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9965502
|
2024-08-27
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8354614
|
2024-02-15
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7820040
|
2023-11-08
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-08
|
| Complaint What Happened |
This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement.
I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors.
I need this inaccurate information removed immediately. I will also need compensation for the damages caused by SOLAR MOSAIC LLC.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8301439
|
2024-02-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Complaint What Happened |
Litigation for fraud filed against Mosaic approx 6 months ago. Around this time Mosiac Solar refused a phone payment stating account holder " is in litigation ''. Then Mosiac Solar stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with Mosaic Solar. Account Holder requested several times a copy of statement and asked for account status in past 6 months calling in to Mosaic 's customer service line. Mosiac never informed of any account status or balance and never sent statements. Mosaic Solar has reported account holderXXXX, XXXX and XXXX days late to XXXX and account holder believes Mosaic Solar and XXXX violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from Mosiac Solar in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. XXXX has been made aware of the situation and continues to report the delinquency.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6844479
|
2023-04-15
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-15
|
| Complaint What Happened |
In the Mid of XXXX, I signed a contract with XXXX XXXX to install the solar panel in my room. The bank that has financed this project is Mosaic Bank. In XX/XX/2023, After many attempts to reach XXXX XXXX, I called Mosaic Bank to let them know that I had to cancel the contract with XXXX XXXX because I had never heard of them. I even received an email from Mosaic Bank telling me they could not also reach XXXX XXXX. After alerting the bank about that situation, I have decided to sign another solar energy program with XXXX XXXX. At the end of XXXX, I received an email from Mosaic Bank telling me that XXXX XXXX said they would not cancel the contract. The same day I received a call from someone claiming that he was XXXX XXXX 's representative. He asked why did I cancel the projects? After spending four months waiting for you, I called your company repeatedly to ask whether the project was abandoned. Until the day he called me, nobody picked up my calls. As a result, I call the bank to cancel the contract to enable me to find and sign another contract with a solar energy program, which I have done successfully with XXXX XXXX.
Surprisingly, I received a monthly bill from Mosaic Bank due XX/XX/XXXX. They also send a total amount of {$27000.00} to a credit bureau which causes a decrease in my credit score and limit.
I don't have anything in my home belonging to XXXX XXXX. How can I pay for a voidable contract? What do I have to pay for?
I have to submit this complaint to enable me to prevent Mosaic Bank from Using my name and my identity improperly
|
| Consumer Consent Provided |
Consent provided
|
|
|
8250607
|
2024-01-30
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-30
|
| Consumer Consent Provided |
Other
|
|
|
8386874
|
2024-02-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Complaint What Happened |
SOLAR MOSAIC refused to send statements of balance or inform of delinquency status and balance. SOLAR MOSAIC led me to believe payments were suspended due to the legal matter since they were not sending statements or allowing me access to my online account when they were retaliating against me and setting me up. I also tried to access my MOSAIC SOLAR account online and I got a message " UNAUTHORIZED ACCESS ''. SOLAR MOSAIC should not be able to mark me as delinquent to credit bureaus all the way to charge off status without informing me at each progression which they did not ever do through statements or verbally or through my attorney ( I have a pending separate legal matter with them which is moving very slowly and it appears they want to ruin my credit as retaliation because they are singling me out among all the other customers who they are sending statements to and allowing access to their computer account. )
|
| Consumer Consent Provided |
Consent provided
|
|
|
6624059
|
2023-02-27
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-27
|
| Complaint What Happened |
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system.
This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ).
XXXX XXXX has gone bankrupt and no longer exists.
Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility.
The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly.
The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You.
The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6624230
|
2023-02-27
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-27
|
| Complaint What Happened |
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system.
This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ).
XXXX XXXX has gone bankrupt and no longer exists.
Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility.
The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly.
The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You.
The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8209173
|
2024-01-23
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2024-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-23
|
| Consumer Consent Provided |
Other
|
|
|
6911670
|
2023-05-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-01
|
| Complaint What Happened |
Mosiac is showing on my XXXX my account is 30 days late when the money is auto deducted from the account the bank stated the company never attempted to take the money of the account I then made a double payment for their error and the money had been auto deducted from the same account since then and have received every payment with no problem and I need this late status removed from my account I made double payment and account is current XXXX a representative at the company has written a statement in my behalf to have this corrected on my account I have bank statements for documentation and also reporting 30-60days on my experian account
|
| Consumer Consent Provided |
Consent provided
|
|
|
7337477
|
2023-08-02
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Solar Mosaic LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-02
|
| Complaint What Happened |
There is an account being reported on my credit report that I did not open. i have sent letters out to the company to show me proof of account ownership twice and have gotten no response. i have also disputed this item with the credit reporting agencies, they respond with a account is verified response. I have also requested method of verification information from the CRAs and i have gotten no response.
tracking : XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
