Solar Freedom Company Page
Cancel Mosaic Solar Loan Solar Contract
About Mosaic Solar Loan
Mosaic is one of the largest solar loan providers in the United States, financing installations through a network of solar dealers including Pink Energy, Freedom Forever, and dozens of regional installers. While Mosaic is a lender rather than an installer, thousands of homeowners have filed complaints about undisclosed dealer fees, inflated loan amounts, and Mosaic's refusal to cancel loans even when the installer committed fraud. Under TILA and state consumer protection laws, you may have the right to rescind your Mosaic loan if the dealer engaged in deceptive practices.
Complaints listed on this page
- Loan amount was higher than the installation quote — undisclosed dealer fee
- Mosaic refused to cancel loan after installer went bankrupt (Pink Energy)
- System underperforms but Mosaic continues collecting payments
- Salesperson misrepresented monthly payment and total loan cost
- Mosaic added dealer fees of $8,000–$15,000 without disclosure
- Loan documents signed under pressure at end of sales appointment
- Customer service refuses to investigate installer fraud complaints
Issues listed on this page
- Dealer fee model adds 15–25% to loan principal without disclosure
- Continued collecting payments from Pink Energy customers post-bankruptcy
- CFPB complaints regarding deceptive lending practices
- Class action suits in multiple states over dealer fee disclosure failures
- BBB complaints citing failure to resolve installer fraud disputes
- TILA right of rescission often not disclosed at closing
Cancellation grounds listed on this page
- TILA right of rescission — 3 business days from signing (extended to 3 years if not disclosed)
- Undisclosed dealer fees constitute fraudulent misrepresentation
- Installer bankruptcy — Mosaic financed bankrupt dealers (Pink Energy, Sungevity)
- Deceptive sales practices by dealer agent under UDAP statutes
- Failure to disclose total loan cost including dealer markup
- FTC Cooling-Off Rule violations for in-home sales
Legal matters listed on this page
- Class action: undisclosed dealer fees in CA, TX, FL, and other states
- CFPB enforcement action inquiry (2023)
- Individual suits by Pink Energy customers seeking loan cancellation
- State AG investigations in CA and NY regarding lending practices