This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 199 complaints

Solar Mosaic LLC - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade F.

Complaints by issue type

What consumers report about Solar Mosaic LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 45.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Solar Mosaic LLC ranks ahead of 8% of the 5,283 collectors PlainCollector grades - 92% keep a cleaner CFPB record, on 199 all-time complaints and a 80% timely-response rate.

8th pct
reputation rank of 5,283 graded collectors
199
CFPB complaints, all-time
80%
answered inside the CFPB window
97
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Solar Mosaic LLC?

Solar Mosaic LLC has accumulated 199 total CFPB complaints across 34 states, with 97 filed in the most recent 12 months against 102 historical complaints before that window. The trailing-12-month volume represents 48.7% 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". The company posts a 80% timely-response rate.

Complaints have been recorded across 34 states, led by California with 51 and Florida with 34. Normalized against the full CFPB collector database, the reputation score of 45.2/100 places Solar Mosaic LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

199

mid-volume (CCDB)

Last 12 months

97

48.7% of all-time complaints

Rising ↑

States active

34

multi-region footprint

Timely response rate

80%

acceptable band

Reputation grade

F

45.2/100 composite

How does Solar Mosaic LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

45 Bottom 8% higher than 8% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Solar Mosaic LLC versus the debt-collection vertical average.

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 60.7%

Share of US states + territories with at least one filed complaint against this collector.

How does Solar Mosaic LLC compare to its peers?

How does Solar Mosaic LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Solar Mosaic LLC National average
Complaints (last 12 mo)lower is better
97
59
268
Timely-response ratehigher is better
80%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 92
False statements or representation - 37
Took or threatened to take negative or legal action - 30
Written notification about debt - 22
Communication tactics - 15
Electronic communications - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Solar Mosaic LLC come from?

Solar Mosaic LLC's own per-state count, not a national baseline.

Top states by complaints against Solar Mosaic LLC

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Solar Mosaic LLC contacts you

A grade of F signals how Solar Mosaic LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Solar Mosaic LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Solar Mosaic LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 199 complaints filed with the CFPB.

Are complaints against Solar Mosaic LLC increasing or decreasing? ▼

Complaints against Solar Mosaic LLC are rising. The company received 97 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 34 states, with the most complaints from California (51 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.