Payday loan, title loan, personal loan, or advance loan -- Problem when making payments -- Complaint #20919574
Solar Mosaic LLC Installment Loan Payment Issues in Texas
Complaint Overview
Complaint ID: 20919574
Company: Solar Mosaic LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: Texas
ZIP Code: 76542
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Risk Assessment
Risk Level: medium
The consumer's problem making payments on an installment loan could indicate systemic issues with the lender's payment processing or customer service, potentially affecting other borrowers.
Consumer Sentiment: neutral
Topics: Installment loan, Payment issues, Solar Mosaic LLC
AI Analysis
CFPB complaint 20919574 was filed against Solar Mosaic LLC regarding Payday loan, title loan, personal loan, or advance loan (Installment loan), specifically about "Problem when making payments". A Texas consumer experienced issues making payments on an installment loan from Solar Mosaic LLC, which was closed with an explanation. The complaint was received on April 3, 2026 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers facing payment difficulties should proactively communicate with their lender, document all interactions, and explore hardship options.
Legal Context & Consumer Protection Laws
Installment loans are subject to federal and state regulations governing lending practices, including fair debt collection and disclosure requirements.
Regulatory Insight
Lenders must have robust systems for handling payments and addressing customer issues to comply with consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Texas, installment loan regulations are enforced by state agencies, and consumers have specific rights regarding loan terms and repayment.
Industry Comparison
While Solar Mosaic LLC is in the solar financing sector, issues with installment loan payments are common across various lending industries.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20919574 about?
CFPB complaint 20919574 involves Payday loan, title loan, personal loan, or advance loan (Installment loan). The consumer reported an issue with "Problem when making payments". This complaint was filed against Solar Mosaic LLC on April 3, 2026.
Which company is complaint 20919574 filed against?
Complaint 20919574 was filed against Solar Mosaic LLC. You can view all complaints against this company on their profile page at /company/solar-mosaic-llc.
What was the company's response to complaint 20919574?
Solar Mosaic LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20919574 filed?
Complaint 20919574 was received by the CFPB on April 3, 2026. It was sent to Solar Mosaic LLC on April 3, 2026.
What state was complaint 20919574 filed from?
Complaint 20919574 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20919574?
Dispute information is not available for complaint 20919574.
What product category is complaint 20919574 about?
Complaint 20919574 is categorized under "Payday loan, title loan, personal loan, or advance loan", specifically "Installment loan". This is one of the product categories tracked by the CFPB.
How was complaint 20919574 submitted?
Complaint 20919574 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20919574?
Installment loans are subject to federal and state regulations governing lending practices, including fair debt collection and disclosure requirements. This relates to a Payday loan, title loan, personal loan, or advance loan complaint against Solar Mosaic LLC involving "Problem when making payments".
How likely is complaint 20919574 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20919574?
This complaint is rated as medium risk. The consumer's problem making payments on an installment loan could indicate systemic issues with the lender's payment processing or customer service, potentially affecting other borrowers.
What regulatory actions apply to complaint 20919574?
Lenders must have robust systems for handling payments and addressing customer issues to comply with consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Payday loan, title loan, personal loan, or advance loan industry.
What should the consumer do about complaint 20919574?
Consumers facing payment difficulties should proactively communicate with their lender, document all interactions, and explore hardship options.
Are there state-specific protections for complaint 20919574?
In Texas, installment loan regulations are enforced by state agencies, and consumers have specific rights regarding loan terms and repayment. This complaint was filed from Texas.
How does complaint 20919574 compare to industry norms?
While Solar Mosaic LLC is in the solar financing sector, issues with installment loan payments are common across various lending industries.
What specific reasons were provided by Solar Mosaic LLC for closing the complaint with an explanation?
The provided data does not specify the exact explanation given by Solar Mosaic LLC. Typically, 'closed with explanation' means the company provided a reason for their action or resolution to the CFPB.
Were there any other reported issues with Solar Mosaic LLC's installment loan products in Texas?
This single complaint does not provide enough information to determine if there are widespread issues. Further investigation into other complaints or regulatory actions would be needed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.