Mosaic
reviews and complaints

I now have a 200.00 payment that I am paying. Plus’s the Swepco. Payment. Because my solar does not work like they say it was suppose too. Cannot get a hold of the company’s ( Apollo solar). And mosaic refuses to talk to me. And on top of that they are raising my interest rates this month. ( and yes I have paid every month. To them and my electric company.

I was told by the representative that I would be as fully off grid as possible, that I would only have a connection fee from the power company, that I would have power going to the entire house in the instance of a power outage. None of this was true, my Water Heater & AC aren’t even connected to the solar power, my electric bill continues to go up & just a week ago we had a power outage, we had solar power for a few hours from the battery then had to wait for the power company to get back up, with no hot water or ac. No one explains the Tesla app to you either, you have to figure that out on your own. This has been, by far, the worse decisions of my life & I’ve been married twice. Now they are telling me it is going to cost more to get what I initially signed up for, acting like they never stated I would be as fully off grid as possible.

They are a lending institution in name only. I have sent 2 checks to them well in advance of the due date. Both check appear to have been held for 30 days. Got late notices with penalties. They couldn’t find the checks even after my bank said they should have.

Paid via EFT through Mosaic (including penalties). Informed them I would be putting a stop payment on the checks. They noted my file and said they would not cash the checks. They cashed the checks (they were returned “stop payment”. Mosaic then charged me a fee for both checks.

Since they were not receiving the checks, when I did the original EFT, I set up auto pay through their system for the due date. Next month I get a letter (we’ll past the grace period and another penalty) they my loan had not been paid. Called and was told that they didn’t try to process the payment until the day after the due date and their system would not allow them to do it.

When ever I try to call and talk to someone they do not care about trying to solve the issue. They only want their money and right now and don’t care that they take too long to process a check or screw up on their end. This appears like a money making venture on their part.

Billy Parish spews a lot of platitudes about how he wants to help people and how he is such a great guy. He certainly “talks the talk” but he doesn’t seem to know what is going on in the trenches of his company and does not walk the walk.

Not enough time and energy to go into Ion Solar who Billy does business with and their deceptive business practices. I guess if Billy can make money that is his only concern.

Sad.

Where to begin we are in the process of seeking our home and our solar loan has been the biggest stressor of all. We originally signed on with mosaic as our solar loan provider- they later sold to DCU (who apparently doesnt handle solar loans- how did that happen). Regardless, we are now trying to transfer this large loan to the new Potential buyers who are willing to take it over in FULL and are being told we cant transfer it. This was never! Told to us when we moved over to DCU (seems like something that should be communicated huh?!) we have to sell our home for job purposes and relocation and have a great buyer who may walk bc of this. I am at a loss. Please someone help me with this.

Sales rep came to my home and told me about the solar panel program. At that time, I advised him that I could only pay a $100 per month. They install the solar panels and everything was fine for couple of months. Then all of a sudden, I received a bill for $150. When I reached out and asked why my bill went up they said that this is the current rates with no explanation . Now I'm receiving calls and letters stating that I'm a month behind. I gave them 2 checks a couple days apart and they decided to catch both of them within the same month. They sent my account to a collection Agency, even though I pay my bill everyone. I called numerous times and ask them to correct my account and they refuse and hang up. Do not do business with these crooks, Liars, unprofessional. They are the worst!

Looking to install solar panels on my home checking out options with Freedom Forever a solar company that recommended Mosaic. I am not sure of the connection between the two companies but one must exist. I allowed Freedom Forever to do a "hard check" on my credit, this was done by MOSAIC. I was accepted and immediately sent paper work to sign for the loan. Here is the problem; I only had one phone call with Freedom Forever, I have no idea if i want to use them and have no idea what the solar panel plan will look like, they have never been to the property to determine anything about the project. Yet, the loan which needs to be signed to continue with Freedom Forever needs to be signed to continue. The loan is non reversible after 3 days. I do not see how Freedom Forever would visit the property and draw up plans and have me approve it in 3 days. That is all the time you have, 3 days, to reverse the loan and stop from proceeding. There is something very wrong with this arrangement.

I am in the mortgage business, and I have been in the mortgage business for nearly 31 years. I have never seen anything like this happen before. I have a very qualified buyer with an above 700 credit score and easily qualifies to buy the home. The only thing stopping my buyer from making the purchase is Mosaic Loans and assuming the sellers solar loan from Mosaic. This is unbelievable. Mosaic pulls one credit bureau and bases their decision off of that credit score. Again, the borrower qualifies to buy the home, but Mosaic is not allowing my borrower to assume the outstanding balance of the existing solar loan. This is putting a stop to my buyers ability of achieving their hopes of home ownership. This sounds like the start of a class action suit. I help nearly 200 families a year finance their homes, and i will make sure every customer I help moving forward hears this story. I will do my best to make sure my customers avoid Mosaic. Mosaic Loans sounds like a very poorly run company with very poor management.

DO NOT USE THIS COMPANY...They financed our solar panels. I won't even begin to discuss the problems with te panels due to this review being about the financing. We received our first bill from this company 3 months after agreeing to have solar panels installed. We started making payments right away (as soon as we ot the first bill) even though our panels were not completely installed. 11 months later we are selling our house and call to get a payoff amount and find out we were being charged $5.90 interest per day starting on the VERY FIRST DAY that they paid the solar company. Even though we did not receive a bill for 3 months. Since the panels were not installed we did not question if we needed to start making payments, as we were originally told we would not have to make payments until panels were up and running. Anyway to make a long story short after paying $2300 total over te last several months, the payoff for this loan is still MORE THAN THE ORIGINAL LOAN AMOUNT. It seems like if you make the monthly payments and no more, you will never get them paid off...BUYER BEWARE

Horrible experience, total *** artists that only care about the next dollar they can extract out of you. They were referred to when when I bought Tesla solar panels last year by Tesla. - I increased my payment by triple to pay off the loan faster and my interest payment went up! I called them on this (I am a CFO by the way) and asked them to explain the numbers. After the customer support guy couldn't explain it (and yes, I CFOed him), he said a manager would call back and never did. Total ***, math is math and you can't talk your way out of it. - They did not disclose that they put a UCC lien hold on my mortgage, I only found out after I started a process to Refi a few weeks ago. - I just paid off the loan and noticed that for my next payment my interest was going up from 4.99 to 5.24? Hmm, that's not the way a fixed 'mortgage' works nor was this disclosed. Luckily this won't impact me since I paid it off, but added to the other items above, this just reeks of a horrible company with horrible practices. - Finally, with all these bad reviews and complaints, Complaintsboard.com how do you rate them A+?

On January 20, 2022 Philippe *** Consultant (website is www.freedom.com)for Solar Mosaic *** convinced me to sign up to have the solar system installed at our house at ***. We met several times at our house because there was a problem with how much we can save on electric bills. I mentioned to him that I am concerned that the federal tax credit he mentioned will not affect our tax situation because we do not owe that much in income tax. Since I prepare tax returns for individuals as a CPA I know that the federal tax credit he was referring to do not apply to us. He tried to prepare different scenarios on how the solar system will benefit us, like rebates at end of the year, lower monthly electric ***, etc. and kept changing the contract. To make a long story short, the SOLAR PANELS HAVE NOT BEEN INSTALLED and I am also sure that the home owners association has not approved its installation either. However on May 4, 2022 Equifax reported that the agreement had been consummated Credit. All i want is to have this matter removed from my credit report. Please help and I would appreciate your assistance.

Went to a bathroom remolding company in Hot Springs AR. They told us about a loan from Mosaic that offered a 12 month no interest/no payment option. With the interest starting on the 13th month of the loan. We were getting a loan in the neighborhood of $10,000.00 with the plan of putting $2,000.00 down once the shower remodel was complete. We were also intending to make payments for the first 12 months, with the intention of bring the remaining portion of the loan down to $5,000.00. Thinking that we would then be charged interest on $5,000.00 and not $10,000.00. Had a call from them to finish the loan application by phone. We not only asked about the loan repayment at the show room, but also when the sales/installer came to our home. Upon speaking to Mosaic today, we were told that interest would be charged on the full amount of the loan. How on God's green earth is it legal to charge interest on money already paid. We cancelled the loan application, and made the bathroom remodeling company aware of the highly questionable loan practices. They assured us that this offer from Mosaic was presented to them a week and a half ago and their understanding was interest would only be charged on the balance of the loan.

Mosaic finance company. I had to replace my air conditioner. The air conditioner business used Mosaic to finance. I was sent papers documents that the first payment would be on Oct 1,2022. No interest. I received a payment on July 11,2022 saying a payment was due on July 16,2022z. The statement was dated July 1,2022. The air conditioner was installed on June 30,2022. I called Mosaic. They hung up on me the first time. I called the second time. I had also called the air conditioner business and they said the papers stayed Oct 1,2022 for the first payment. I told this to Mosaic and the person told me that they had the right to change the date. I told her that is not what the papers said. I also told her that they sent this *** with not enough time to even mail it in. She said that the *** May come even on the due date but there was a few weeks grace *** to pay the ***. I told her to change it back to Oct 1,2022. She told me no. There is also interest charged unless I used direct draft from my bank. I am not going to do that and I was not informed of that before. I am being penalized because I am not slowing them to draft it directly out of my account. I am very upset over this. This company did not do what the paper work said.

Something is very wrong with this company; I was gathering quotes for a solar panel project on my home, one of the companies quoting gave me a bad vibe; i was certain they were unscrupulous. We went with another company; two months later we received a loan statement from Mosaic. Who's Mosaic? They're not our solar panel lender; turns out the company we didn't hire somehow opened a loan on our behalf, without our knowledge nor a single underwriting call from Mosaic and they're now wanting us to start paying on a loan that never existed. it took three weeks, 9-phone calls, four emails and a complaint with the FTC to get them to send us a letter acknowledging the loan was not our responsibility and we had no obligation to pay. A lot of time wasted but finally it's done... not so fast. Last week we get a letter from a collection agency claiming Mosaic has forwarded our file for collection. Now we have the letter, so we're not concerned... but what lender opens a loan, communicates so poorly and still - four months later - still can't get their act together. I've filed another complaint with the FTC but, from what I'm told, Mosaic has a lot of issues going on.. so mine will just be added to the pile of ripped off and frustrated consumers.

We signed with Mosaic back in January this year. During our 10 minute Welcome Call we listened to a gentleman who disclosed to us the Terms and Services of our loan and contract. We then signed the page (singular) presented to us by our solar contractor that had me sign that we agreed to the terms of the loan. At no point were we presented with a contract and at no point until today (12/14/22) was I instructed as to how to obtain a copy of the contract. During that 10 minute conversation with Mosaic, we were told that our loan payments would start at either the completion of the installation or after 90 days from the date we signed, whichever came first. At no point were we informed that interest would start accruing from the date funds were dispersed to our contractor. So as of 1/27/22 $9.*** / day started to accrue, and as of some date in February when the remainder of the funds were distributed we started to accrue $10.*** / day started to accrue. We were asked for our first payment in April even though Solar wasnt finished until June. To date, we have paid almost $2000 in interest only with a monthly payment of about $250 all-the-while we accrue $10.*** / day of interest. Id also like to add that the first customer representative confirmed today, after reviewing the recorded 10 minute welcome call, that we were not disclosed anything regarding accruing interest for months prior to making our first payment. The third representative we spoke to today (58 minute phone call in total between 3 representatives) said that we were shown our contract despite himself not being there nor any Mosaic representative being there. He only shows a page that I signed agreeing to the terms (spelled out during our welcome call) of the contract. Again, a contract that was never presented to us. So as of now, we still owe the entire principal balance, over $400 of interest still owed, all while we continue to accrue.

If anybody is considering a home loan financing company, please run away from Mosaic as quickly as possible and use any other company. Their customer service is the worst I have ever dealt with. I have multiple examples of their incompetence but only enough room on this review to explain one situation, more reviews will follow to explain their absolute disregard for their customers. Their agents will lie directly to you and give you false info. When my no required payment promotional period for the first year of my loan was coming to an end, I had paid $6,000 in payments during the first year bringing the loan balance down to from $21,700 to $15,700. The required monthly payments were to begin on 10/20/2022, that is when the 10 year loan at ***% APR would begin. The monthly payments would be just over $300/month but that payment was based on the full balance of the loan not my new balance.All I wanted to know was what my new monthly balance was going to be when the promotional period ended. Every agent I spoke to throughout my 48 min phone call lied and continued telling me that my monthly payment for the full ten year loan period would be over $300. I continued to explain to them that it must be a lower number because that monthly payment was based on the full loan balance of $21,700, not the new balance of $15,700. One agent said that I paid $6000 to keep the monthly payment at $300, which makes no sense at all. Every other agent that I was bounced around to told me that my monthly payment would be $300, I continued explaining how that cannot be correct.After nearly an hour I talked to someone with half a brain and he stated that the monthly payment would be lower but I wont know the new dollar amount until the promotional period ends, which was two weeks from the call date. Very simple and sensible answer, thats all I needed to know. I felt like I was talking to a bunch of robots that could not use an ounce of critical thinking to realize wrong they were.

WARNING! DO NOT DO BUSINESS WITH MOSAIC FINANCE. My Contractor NRGGreen Remodeling gave me a bid of $35,269 to install 18 solar panels on my roof. My Contractor told me that I would be approved by Mosaic for 18 months of no payments, no interest & no down payment.However, I "balked" at the interest rate of ***%. My credit score is 815.. I signed the Loan documents on 8/30 knowing that at the end of the 18 months [protected]) I would write a check for $35,269 payable to Mosaic. During the 18 months, I received monthly *** for around $1,025.00 from Mosaic. On 03/28 I wrote check #***, $35,269 payable to Mosaic & mailed it to the *** Box in ***, ***. After 2 weeks I noticed that the check had not cleared. I went to my *** & found out that the check was still outstanding. I immediately put a STOP payment on the check on 04/15 & issued an *** Transfer to Mosaic. I never heard from Mosaic acknowledging this payment . However, in May when I received a *** for $13,789.35. I called on 05/25 & spoke with an *** at Mosaic who informed me that the $13,789.35 is for INTEREST earned back to 08/30. For the last 2 months NO ONE from Mosaic has returned ANY of my telephone calls or e-mails. I have requested Arbitration 3 weeks ago & have yet to hear from anyone from Mosaic acknowledging my request for Arbitration.On page 2 of the signed ***% loan document, there is a note that if payment is NOT received by the due date, interest will now accrue back to the original contract date of 08/30. This was NEVER divulged to me by the Contractor. By not paying the interest due there is also a 5% penalty as well. Besides not returning my telephone calls & answering my request for Arbitration, Mosaic has now sent my *** to Collection. I mailed my check in a timely manner. I have no control over the U.S. Mail. To be penalized for the *** to not deliver my check is truly unfair. The entire solar funding turns out to be a "bait & switch" operation & totally unethical. Maybe, just maybe someone from Mosaic will contact me to resolved this dispute. There should be a - 0 - Star rating for Mosaic based on what I have experienced.

I have told this company a few times that I have not had my Solar running but yet they continue to charge me for Solar that has not been working. They have made it impossible for me to contact them.

I would like this rectified because I don’t think I should be paying for something that isn’t even on and I have proof and everything showing that it is not on

We have a loan just at a year with mosaic. I have never been late or missed a payment. Every bill that has come in says I am up to date and paid in full for that month with no additional money due and never a late fee. I spoke with the company today to get some additional info on paying the tax rebate. I was then informed that I was behind on paying my interest. Almost $500 worth of interest not paid. Mind you I have never missed a payment and account has ALWAYS been current. I was then told that they are charging more interest per month on my account then my actual minimum payment amount? So basically my account is in the negative every single month but I have never missed a payment. They also said that my account would continue to be in the negative if I don’t make extra payments. I have already on every single payment paid more then my minimum payment and once or twice a double payment. On that double payment (none again went to principle and all went to interest and somehow my account was still not current) they then continued to charge me interest on the days I had already paid. So basically you pay interest on the interest payment. I then went and looked at my payments and sure enough most of them paid nothing (absolutely 0) on the principle. This account would never have gotten current for 1 because however they do their math says I owe more a month in interest then my actual payment and 2 I was never told I had any negative amount owed. I have never seen a loan this horrible in my life. We are having to look into options of getting away from this company with our loan because with their math we will never physically be able to get out of the negative interest.

I first contacted Mosaic on January 21, 2022 to inform them the contractor (Proper contracting aka american family professional remodeling) that Mosaic distributed our loans to has disappeared. I have continued to call numerous times only to be sent in circles. *** began this project in February and we were informed this would take about 3 months. Not only is the project not finished they have further ruined many parts of our home such as carpeting, our HVAC systems, dry wall etc. The last time any person worked on our house was in the beginning of October, we have seen no evidence of any work done on our behalf with the city or any other entities. We have been contacted by 2 subcontractors who were not paid, one who is threatening a mechanics lien on our house. From the middle of December on we tried to contact the company many times and all of our numbers were blocked. Their physical address is also cleared out and we were told that employees were told not to contact us, the subcontractor (and many other customers). We contacted the city and discovered their license was terminated in June. We had one call at the end of January from the owner after Mosaic contacted him, but he offer no plan for a way forward and has since not returned my calls. Attached are pictures of the state my home has been left in, much of this damage is new. Additionally there are many reviews online from summer 2021. Here is the url to the reviews: https://www.homeadvisor.com/rated.ProperContractingLLC.101080152.html Mosaic refuses to contact me with any information on my complaint . Between my husband and I, $75,000 has been given to Proper with $10,000 left. I would like the $10,000 to be taken off our loan as well has get documentation that the $75,000 was given to proper contracting to keep the subcontractor from outing a lien on our house. I would also like it to be known that Mosaic is working with unlicensed contractor.

July 31, 2022: I am filing this complaint against *** Energy, ***, District Manager; Phone: ***; Address ***; Authorized Dealer *** Energy; Dealer Phone ***, Email:***. They had my roof, solar panels, and batteries installed. At the time I was purchasing everything, I was told if the project was not complete by the time the solar project was up and running that the company *** Energy would refund any monthly installments made for the roof, solar panels and batteries. The solar project has not been completed as of today.I paid my monthly installments for the roof, solar panels and batteries and was refunded for *** and June. I made the request to be refunded for July's monthly installment also. I received a phone call from my authorized dealer and was told before I could be reimbursed for July I needed to complete a 9 or *** tax form because the refund including July would over $600. I refused to sign it. I contacted my CPA and he told me not to complete the form because the 9 was used for income paid to a person, and the *** form was used for vendors, contractors, and people who work for a company. He said when given a refund no tax forms are required and *** Energy should write it off as a company loss not pass it to the customer. My CPA told me I would receive a tax form at the end of the year from *** to pay taxes on the money if I completed either form. *** Energy never informed me of signing any form for payments I made until now. I am a customer not employed by ***. They did not reimburse me for July because I would not complete the form(s). They did not honor their agreement with me. I would like for them to refund the month of July as promised. It is not income to paid to me but a refund and again, I don't work for them.

Case # *** Loan Assumption for Solar Lease October 14th, 2022 To whom it *** concern:I am urgently submitting this compliant to you in order that my buyers purchase *** not be hindered by the neglect of an under trained staff at Mosaic. My buyer, who is a disabled Veteran of our nation, is in escrow to purchase a home for him and his wife. This home has solar panels financed by Mosaic Solar. My client and our honorable Veteran, completed the application to assume the lease agreement. His application and credit check was quickly approved. Mosaic informed my buyer, the homeowners and the escrow team that they mailed out the appropriate documents on October 3rd, to record with San Bernardino County where the property resides. A copy of the new contract was never received by the my buyer or escrow. For 10 days we have requested help from Mosaic with little or poor communication in return. This created a red flag for us. It seemed as if a problem had arisen that Mosaic was trying to keep quiet. Yesterday, October 10, we found out that our file was in fact canceled for no apparent reason. For most of yesterday, Mosaics leadership team avoided our calls. The loan assumption department merely instructed us to start over with the application process since they couldnt figure out how to retrieve the old approval. Though we tried to express what damage this could cause to the mortgage loan process, Mosaic was unmoved. Supervisors were still ignoring our calls. Finally, I reached supervisor ***, who was impatient and unsympathetic. She reluctantly promised to do her best and call me back today at 1pm. It's well past 1:00 and no call. Were concerned that Mosaics second hard inquiry on our buyers loan will effect my buyers mortgage loan process. This could decrease his credit score and increase his interest rate, making his loan payment higher than he can afford. Mosaic must have a leader in IT that can retrieve this file. Please help.

This business has deceptive and corrupt business practices.I financed a solar system for my house. Autopay was set up prior to loan completion to take advantage of a lower interest rate. Only after a late fee was charged was i notified auto pay wasn't set up. I called to make a payment and set up autopay, but autopay was not able to be turned on for several days after payment was made. This seems purposeful to cause people confusion as well as keep interest rates higher for as long as possible to collect more money from users. If i forget (two adults with full time careers and 2 kids...easy to forget to do this). In January 2022, I realized again autopay hadn't been toggled on when i got a late fee. I called in again to pay and turn on auto pay. The agent claims they can not turn it on, even with my verbal permission. I also, again, explained that there is no reason i shouldn't be able to toggle that on at any time, but the website does not even show the options, again forcing me to remember to go back in several days later to toggle on. Understanding i could manage my time differently, my solar power loan should not require this level of maintenance. I asked for a supervisor call back in January and did not receive one. I am currently on hold (february 26,2022), for 25 minutes, for a supervisor. I have a feeling i won't get one on the line any time soon so i have resorted to this method to get this companies leadership attention.I will also admit that i was escalated, explained to the rep i spoke to that i understood what he was telling me needed to happen, and if he wasn't able to help me, that i wanted to talk to a supervisor. He was not the reason for my frustration, but i wanted it on record that i was not going to accept being ignored on this topic by Mosaic leadership.The industry i work in also has autopay-at any time a customer making a payment can turn on auto pay. This stinks of a purposeful business practice.Regards

Mosaic hired CLEAN TECH, solar panel installers to install panels on my roof July 5, which should have been completed and operable 60 days of installation. Mosaic paid the installers in full, before verifying that the work was completed and panels were operable. The installers, while making promised to complete the job, decided to vanished, and the last text I received from them was January 10, 2022, as they were refusing to answer the phones, or return calls. I contacted Mosaic January 18, 2022, to informed them of this ordeal, which they had apparently known about. Four days later, I received an email from Mosaic requesting whether my panels were operable, to which I responded NO. However, Mosaic did not respond to my response. I called them on February 14 2022, and was provided with a cancellation #, and was told that the installers were not responding to their emails, but that they would reach out to them with a formal letter, and if they did not hear from them, that the contract would be canceled and I would received my full reimbursement on March 15, 2022, and that I would be notified of the cancellation in 7 - 10 business days. I never heard back from Mosaic. So on March 15, 2022, I called to inquire about the cancellation only to be told that they had changed their minds, but never bothered to notify me. Nevertheless, they stated on more than one occasions, because they were not the installers, they basically, could not guarantee the outcome and that they could not offer me any time frame as to when they could obtain a company to complete the job, even though they expected me to continue making payments for useless panels, in addition to having to pay my utility company. As of June 2022, I was not able to continue paying Mosaic. Only then Mosaic attempted to have two other companies work on my roof, whom did not prove to be trustworthy. Besides, Mosaic seems to be operating from different states. Please see uploaded docs.

in 2015 we purchased solar panels under my husband's name thru Mosaic. On May 25, 2022 my husband passed unexpectedly at work. I notified Mosaic of his passing but informed them that I wished to continue making payments. After sending the death certificate and giving my phone/contact info, I also asked if the account would be ok, for now, since he had just passed. I was told that all would be fine as long as I continued to make my payments, which I had been doing. We have never missed a payment with Mosaic, as we were on an automatic debit payment arrangement, but, once my husband passed, I called twice, made payments and after inquiring was again reassured that as long as I was making my payments, I would be ok, but that eventually I would need to transfer the acct into my name, which I stated I would do. On July 25th I called to make July's payment and was told that my account was sent to collections. I was told that a call was made to my husband's phone #-which, of course, was not useful. I had given them my name and number when I initially called them after my husband's passing but I never received any calls or messages, and until I called to make July's payment, I assumed all was fine.I reached out several times to Mosaic but their associates could offer no info other than giving me the collections number that my account had been sent to. I reached out to them and was given the number of a "***" @ ***. I called, left a message then "***" ext 2022 returned my call. Once I explained the situation, she said she would reach out to Mosaic, and get back to me. That was last week and I never did hear back from her. I called and left her another message yesterday. At the advice of a VA benefits advisor, I am notifying you of what has transpired. I am able to assume the loan and make the monthly payments as outlined in our original contract. Again, I have never missed a payment and was reassured that for now, I was fine.

The loan agreement between *** (EHS), Mosaic and Myself is the result of loan fraud. The incident is documented in the Complaintsboard.com Complaint ID: ***; reported to the *** FTC, local law enforcement, the Adjutant Generals of SC and FL, and notified and provided to Mosaic after learning that the loan was paid to the contractor because they claimed the system installed and operational. I signed the loan agreement 04/08/22 under the false pretense that the loan wouldn't be activated until after the system was installed and operational. On 04/20/22 Mosaic sent me a email stating that my loan was approved. I contacted them and was told that the documents were processing and to check back later. I check back several times over the weeks following the notification but the loan status was still in a pending status. On 06/21/22 I received a email from Mosaic requesting installation status of my system and responded telling them that the system isn't operational or connected to the grid and followed up with a call informing them of the status. On 07/05/22 received Complaint Acknowledgment *** claiming that Mosaic claiming that they're not in a position to solve problems relating to the install. On 07/09/22 they issued loan closing documents to me even after notifying them of the fraud that taken place and demanded first pay be issued on 07/25/22. Instead of postponing the collection process while the incident in under investigation Mosaic has resulted in making threats and harassing me. Now they're reporting to the credit bureau that I am 30,60, and 90 days behind on payments even though they know this loan is fraudulent. The lender decided to issue the loan closing contract after realizing that they paid all of the money to the contractor even after being told the system wasn't operational in a attempt to stick and force me to pay for their mishandling of the loan process. They're now using third partied to harass me under false pretense.

June I applied for a loan for solar. July I decide to cancel (I continued with the solar installation but did a cashout refinance on my mortgage to pay for it upfront). The solar company said they cancelled with Mosaic. 9/20 Mosaic sends me loan closing docs and say my first payment is due soon. At that point, the solar system hadn't even been turned on due to permit issues so even if I had continued with the loan it wasn't supposed to start until the system was turned on. I respond to their email saying the loan was supposed to be cancelled and they say they need confirmation from the solar company so I have the solar company call them and confirm that same day. I followed up with Mosaic several days in a row after that and didn't hear anything back from them so I call their customer service on 9/23 and they said the cancellation would be processed. 9/24 they send an email saying the installer has confirmed and the loan is now in the process of being cancelled and can take up to *** business days. 10/8 is 10 business days later. 10/6 they deducted the first payment from my bank account (solar system still hasn't even been turned on by the way). I give them a few more days and then 10/14 I follow up via email. 10/15 I get an Experian alert saying the new loan account has been reported and now my credit score has decreased significantly. Several emails go unresponded, I call customer service 10/19 and explain everything, the person I talk to said they can see that everything should have been cancelled but was not so they escalated the issue and he told me to call back on 10/25 to confirm that everything has been cancelled. Now it's 10/22 and they just sent me an email saying they received my cancellation request but the solar installer needs to confirm. I have an email from them from almost a month ago saying the installer has confirmed. So I just sent them a screenshot of the email they sent me but I don't believe I'm going to get a resolution.

We were debt free and recently retired (December 1,2021). Our properties county Appraisal is in the 6 figure range. We called to get a quote for solor panels, the rep. was very helpful, she sent me a *** map picture of my house and ask about trees and such. The next week We spoke withThomas from Design 1 Solor on April,28,2022. He explained how much we could save and that all the permits from our *** had already been obtained. He ask to run a credit check, we agreed, everything checked out and it was a go. Our loan was to be *** , our monthly payment was to be *** per month, this would be after the *** discount and *** government tax rebate. Which would make our loan only *** for 275 payment. If we do not pay the *** our payment could go up to *** a month, we didnt agree. In May we went to purchase property using our house for collateral, this is when we were told Mosaic had a lean on our home. We had never heard of them. Mosaic sold our account to *** in *** We did not agree to use our house for collateral and it was never mentioned. We immediately contacted Mosaic and spoke to *** who referred us to Connexus who said there was no way to cancel the loan because *** was sent to the manufacturer of the panels( they could not give me the name of the manufacturer). We contacted Design 1 asking to cancel Brain told us the panels were already ordered and they couldnt cancel. This is May,15,22. July.6,22 .I received a call from *** asking for more information from my power *** So they could get the permits. I explained everything and was told her supervisor would contact me. Everyone I speak with tell me it is not their department. When they give their name most of the next agent have no way of knowing how to get you back to who you have explained everything to. It is now July 12, 2022. No one will return my calls , confirm delivery, cancel my loan. Cancel this order, It is a SCAM. Thank you

On March 24 Solar Titan sales rep came to our home. With his high presser sales tactics and must by now, to day or price will go up we agreed to have Solar Titan install solar panels on our home. They contacted Mosaic and got us approved for the loan to install said panels. After the sales rep left we did research on both Solar Titan and Mosaic. we quickly realized nether Mosaic or Solar Titan had a very good reputation and felt it would be best to cancel the deal. Me being 66 and disabled my husband 64 early retirement do to *** problems. We felt it was best for fear of a scam. We contacted Mosaic and informed them less than 24 hour after sales rep left. That was on the March 25 to cancel the contract. I was told the money had already been sent to Solar Titan but they would contact Solar Titan. I said I would also contact Solar Titan. Mosaic gave me a case # ***. I called Solar Titan and informed them of the cancellation. They said I must email my cancellation notice to them. I did email them 3 times on the same day to make sure they had a received it. Never heard from Mosaic or Solar Titan and felt it was all done. Then 3 months later we get a *** from Mosaic wanting our first payment. I called them and Talked to ***. He said yes he seen that we canceled the contract but Mosaic had contacted Solar Titan and was told it had not be canceled. I have a copy of the email I sent to Solar Titan who has never contacted us in any way or been back to our home. *** said they would open a case on this and get back with us in 24/48 hrs. I was give a new case #***. But never heard from any one from Mosaic or Solar Titan. Today 7/17 we received another *** for the solar panels that we canceled. We are not going to pay this it is a scam to get money from older people. I will file a complaint also with Solar Titan. Perhaps its time to contact Attorney General as well as any one else that will hear us. Mosaic should not of realest the money to Solar Titan

On July 31 this year I was made to sign a loan from Mosaic *** (aka Solar Mosaic ***) for the installation of solar energy in my house. Total project cost: principal+interest was presented as $46,750. I was not informed my property was the collateral for the loan. The loan disclosures were not presented to me. I only had access to the disclosures online after signing the loan; it did not reflect what was sold to me. So, I proceeded to cancel the loan. Mosaic *** accepted to cancel on the basis that the installer who contracted with me to install my solar system confirms that the project was canceled. Mosaic *** stated that the installer had 10 days to confirm, and if the installer does not make a statement within 10 days Mosaic *** will cancel the loan. I informed the installer that Mosaic *** is expecting confirmation from him to cancel the deal. Ten days passed; installer did not show up. Loan is considered canceled. On Oct. 13, over two months after everything had been forgotten and buried, Mosaic *** sent an email indicating I should begin payments on the loan, which was canceled in August. Mosaic *** wrote to the installer fraudulently stating that I informed them that I wish to continue the project. This is a blatant lie, business dishonesty, and pure manipulation. Since August, I have had many phone calls with Mosaic *** and in each call, I was reassured that the loan was being canceled and funds have not been disbursed to the installer. In the last call, on Oct. 14 after I saw the statement of monthly *** payments, I was still reassured that the loan will be definitively canceled on Oct. 16. On Oct. 18, Mosaic *** forged a deceptive statement, which it sent to the installer, stating that I wish to continue the project. This is fake and cannot be proven. In fact, in its last email to me, Mosaic *** claims it has never had a problem with me by manipulatively trying to open a new case on this same issue, without firstly solving this actual case.

Signed installation agreement for solar panels on 05/16. On the day i signed the install paperwork, I asked specifically and was told by BOTH the solar contractor AND mosaic that there would be NO LIEN against my home. I never signed any contract from mosaic. fast forward 7 months *** i find out that there IS a lien against my home. when i called mosiac to demanf they drop the lien they illegally set against my home, they gave me some *** curcular language: "i can see how that would upset you. In the loan contract it says that we dont put a lien against the home, its just a ucc1 form against the solar installation." My mortgage servicer told me there IS a lien against my home. mosaic rep REFUSED to escalate my case. I want the lien removed, period, end of discussion. I did not agree to it, and I asked specifically because a lien against my home would have been an instant deal breaker! They are interfering with my ability to refinance my home, and when i called they wanted me to PAY them $250 to remove the lien and then REFILE it afterward, which would make the ILLEGAL lien legal. I refuse. Remove the lien or I WILL pursue legal action. I signed NO contract with mosaic, and frankly the whole process is very sketchy. I did my due diligence and was lied to, and did not sign nor was given any copies of anything from the lender. Rep tried to send me "a copy of the loan agreement". except its not a legal document specific to my file, its generic block text they copied and pasted and emailed to me. I'll happily sign a contract saying that they have a secured interest in the solar installation only, But ANY lien against my home is unacceptable, as the solar install is less than 25% the value of my home, but somehow has an equivalent stake? This is the definition of predatory lending practices, and I WILL NOT HESITATE TO ***. I would rather cancel the contract and have the solar removed, and my 7 months of payments refunded than allow a lien on my home. FIX THIS!

Mosaic Loan agreement# *** Loan # *** $93,569.99 Signed 9/29 for Sunpower solar *** renovations with *** of how loan was to be spent. Job abandoned 12. *** solar reps.B&F construction hired by solar star/*** (contractor) pulled permit, B&F worked till early Dec 2020 then quitbaccusing *** with Solar star being under investigation with NSCB for fraud. *** came to my home promising everything in *** will be completed-- on 12/9 they abandoned job after putting up panels. Less than 50% of work not completed. No one returned calls till middle of january (due to covid & holidays) Mosaic loan stated Sunpower needed to request loan adjustment. I was Directed to *** with Sunpower. They requested on 3/26 that mosaic adjusted Loan to $36,564 for payment to Sunpower/solar star for just solar panel work & not B& F construction work. 3/30 I requested they add $34,134 to pay off B&F construction $13480 & to me $20,654 due to abandonement I had to put retainer wall, concrete and what was needed to finish project. Total Loan amount $70,698-- it was not done. Since that date i have been requesting a loan amount to be adjusted either no reply or "we are discussing resolution" with no resolution given. May 7 they started taking Autopayments from my bank to pay on unadjusted loan. I called & said, I should not be paying on loan that needs adjusting, mosaic loan rep said loan will be out on hold till redolution. But every month autopayment was drawn. Ref# *** 8/28 I Recieved a *** called *** 9:14am mosaic loan rep, he said on 8/7 autopayment was stopped & if asked for reason & they hung up.Concord letter w/notice of late payment 10/26. My 780 credit score is now 680 due to reporting delinquent payments. Loan still not adjusted. *** with mosaic need to adjust loan & fix my credit scores.