Total CFPB complaints
150
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 150 complaints
Solar Mosaic LLC — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Solar Mosaic LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
66 complaints
- False statements or representation
False statements or representation
31 complaints
- Took or threatened to take negative or legal action 19
Took or threatened to take negative or legal action
19 complaints
- Written notification about debt 13
Written notification about debt
13 complaints
- Communication tactics 8
Communication tactics
8 complaints
F
Grade F · 45.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Solar Mosaic LLC?
Solar Mosaic LLC has accumulated 150 total CFPB complaints across 29 states, with 60 filed in the most recent 12 months against 90 historical complaints before that window. The trailing-12-month volume represents 40.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 80% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 29 states, led by California with 43 and Florida with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 45.2/100 places Solar Mosaic LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
60
40.0% of total history
Rising ↑
States active
29
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Reputation grade
F
45.2/100 composite
Response-quality profile
How Solar Mosaic LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Solar Mosaic LLC compare to its peers?
Solar Mosaic LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed66 (%)
False statements or representation31 (%)
Took or threatened to take negative or legal action19 (%)
Communication tactics8 (%)
Written notification about debt13 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 51 |
| False statements or representation | Attempted to collect wrong amount | 26 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 16 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Communication tactics | Frequent or repeated calls | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| False statements or representation | Indicated you were committing crime by not paying debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
Where do complaints against Solar Mosaic LLC come from?
The states where consumers have filed the most CFPB complaints against Solar Mosaic LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Solar Mosaic LLC
Across 29 states with at least one filing
- California
California
43 complaints
- Florida
Florida
21 complaints
- Texas
Texas
20 complaints
- New York 7
New York
7 complaints
- Georgia 7
Georgia
7 complaints
- Arizona 6
Arizona
6 complaints
- Colorado 5
Colorado
5 complaints
- Kentucky 4
Kentucky
4 complaints
Frequently Asked Questions
What is the most common complaint against Solar Mosaic LLC? ▼
The most common issue consumers report about Solar Mosaic LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 150 complaints filed with the CFPB.
Are complaints against Solar Mosaic LLC increasing or decreasing? ▼
Complaints against Solar Mosaic LLC are rising. The company received 60 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Solar Mosaic LLC's reputation grade? ▼
Solar Mosaic LLC has a reputation grade of F (score: 45.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Solar Mosaic LLC respond to consumer complaints? ▼
Solar Mosaic LLC has a 80% timely response rate to CFPB complaints.
In how many states does Solar Mosaic LLC operate? ▼
Solar Mosaic LLC has received CFPB complaints from consumers in 29 states, with the most complaints from California (43 complaints).
What can I do if Solar Mosaic LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Solar Mosaic LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |