Debt collection -- Attempts to collect debt not owed -- Complaint #18940392
Complaint Overview
Complaint ID: 18940392
Company: Solar Mosaic LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33772
Date Received: 2026-01-22T12:00:00-05:00
Date Sent to Company: 2026-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl. XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Mosaic XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute of Fraudulent Loan. Acct # XXXX Dear Mosaic XXXX XXXX, I am writing to formally dispute a fraudulent loan that was taken out in my name ( XXXX XXXX XXXX with your company. The loan in question, associated with XXXX XXXX, was obtained through deception and should not be valid for the following reasons : 1. Misrepresentation of Loan Terms The sales representative from XXXX XXXX explicitly told us this was not a loan but rather an energy program. We were led to believe there was no financial obligation on our part. 2. Cancellation Before Work Began We canceled the agreement before any work was performed. XXXX XXXX was notified of this cancellation shortly after signing, well before any installation or disbursement of funds should have occurred. 3. No Goods or Services Provided XXXX XXXX never installed or provided any solar panels or services. No work was done on our property. 4. Fraudulent Disbursement of Funds Your records indicate that you disbursed loan funds to XXXX XXXX. Since the contract was canceled, those funds should have been returned immediately. If XXXX XXXX has not returned them, this is a clear case of fraud. XXXX. The XXXX XXXX system we agreed we wanted. However, the tech came to install and failed multiple times. We gave up trying with the proper installation and the product is in a box. We should not be charged for this whatsoever. The product can be returned as is and unused. Based on the above, I am demanding the following immediate actions : Cancel the fraudulent loan and release me from any financial obligation. Remove any negative or inaccurate credit reporting related to this account. Confirm in writing that XXXX XXXX has returned the disbursed funds ( or that you are investigating the fraudulent disbursement ). Failure to resolve this matter will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Please respond in writing within 15 days to confirm the resolution of this dispute. You can reach me at XXXX or XXXX for any further clarification. Sincerely, XXXX and XXXX XXXX.
Frequently Asked Questions
What is Complaint #18940392 about?
Complaint #18940392 was filed against Solar Mosaic LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-22T12:00:00-05:00.
How did Solar Mosaic LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Solar Mosaic LLC?
Yes, visit the Solar Mosaic LLC company profile at readthecomplaint.com/company/solar-mosaic-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.