Personal, payday and title loans
Solar Mosaic: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 93
- Closed with money back
- 0
- 2023 to 2025
- 26 to 45
Solar Mosaic received 607 complaints from everyone in the window; 93 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 0 of the 93 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 26 in 2023 to 45 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 38 |
| Debt collection | 20 |
| Credit reporting or other personal consumer reports | 17 |
| Payday loan, title loan, or personal loan | 9 |
| Mortgage | 8 |
By issue
| Charged fees or interest you didn't expect | 18 |
| Incorrect information on your report | 12 |
| Problem with a company's investigation into an existing problem | 9 |
| Getting the loan | 7 |
| Attempts to collect debt not owed | 5 |
| 2023: 26 | 2024: 22 | 2025: 45 |
Which accounts, specifically
| Installment loan | 55 |
| Credit reporting | 21 |
| Other debt | 15 |
| Other type of mortgage | 9 |
| Personal line of credit | 5 |
What went wrong, specifically
| Account information incorrect | 8 |
| Their investigation did not fix an error on your report | 8 |
| Debt is not yours | 6 |
| Account status incorrect | 5 |
| Threatened or suggested your credit would be damaged | 3 |
Busiest month: December 2025, with 13 servicemember complaints. Most were submitted by web.
Most complaints came from TX (18), CA (17), FL (10) , then VA, GA, ID.
How Solar Mosaic answered
| Closed with explanation | 93 |
Solar Mosaic responded within the CFPB's 15-day window on 75% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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""
Payday loan, title loan, personal loan, or advance loan; Problem with additional add-on products or services. TX, 2024-08-23. Outcome: Closed with explanation. Complaint 9903145
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Debt collection; Communication tactics. CA, 2024-08-23. Outcome: Closed with explanation. Complaint 9888337
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Debt collection; Written notification about debt. TX, 2024-08-08. Outcome: Closed with explanation. Complaint 9753885
If this is your problem at Solar Mosaic
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Marlette Funding 82 servicemember complaints; 3 with money back
- Klarna Ab 80 servicemember complaints; 2 with money back
- Lendmark Financial Services 114 servicemember complaints; 0% with money back
- Credit Fresh 62 servicemember complaints; 0 with money back
- Greensky Operations 61 servicemember complaints; 1 with money back
Next in the directory by volume: Alorica, Bull City Financial Solutions, Debt Recovery Solutions.
Frequently asked questions
How many complaints did servicemembers file against Solar Mosaic?
93 complaints tagged servicemember were received by the CFPB about Solar Mosaic LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 26 in 2023 to 45 in 2025.
What do servicemembers complain about most at Solar Mosaic?
Payday loan, title loan, personal loan, or advance loan accounts for 38 of the 93 complaints, and the most common issue is "Charged fees or interest you didn't expect" (18). Next: "Incorrect information on your report" (12).
Does Solar Mosaic give money back when a servicemember complains?
0 of the 93 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 93 closed with an explanation only. Solar Mosaic answered 75% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.