I signed a contract for an off-grid PV system with a battery backup system with Complete Solar. On 3/1/2021 I signed a contract (loan #277977) with Mosaic to fund the $97,333 project.
As per the terms of my loan there is one disbursement of $97,333 when the install is 100% completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100% completed and I confirm the completion.
On 8/12/2021 the installer sent Mosaic photos of my house numbers on a pole and some solar panels on my roof. They didn’t show pictures of the remaining 60% of the system because the system was not complete. Even though there was no evidence of a “completed” project, and I didn’t confirm it was completed, Mosaic disbursed the entire amount to the contractor.
October 28th I was informed my first payment was due on 11/15/2021. Since then, I have been fighting to stop making payments on the loan since they made a mistake in paying the contractor and the system is still not 100% complete. Since they already paid the contractor they state they can’t do that.
As an aside the contractor never got a permit for the work and abandoned the project in August 2021 as soon as they got paid. I have not heard from my project manager since 8/19/2021. The project is dead in the water since there is no permit. Mosaic knows all this.
Mosaic has talked to the installer several times since October and each time the installer lies about the status of the project or the fact that they are in communication with me to finish the project. Considering Mosaic knows that the contractor defrauded them to get paid in the first place and continues to lie to keep the money I do not understand why my loan can’t be cancelled and I can not only stop making loan payments on a system I don’t have AND I can get back the payments I have made to date.
Due to short number of staff and market demands, I was moved around to cover different stores outside of the city of my home store. This was not disclosed at the time of my hiring agreement since utilizing the trains was my predominate way to commute within the city. Mosaic's acting Field Operations Manager after presented with the issue, berated over the phone, "Look at it this way. You get mileage to cover those locations, but since you're not driving, you get transits reimburse. Think of it, when you step out the door, you're working." I agreed to cover those stores and they did reimburse me for travel until the new acting field manager, which was trained by the previous, gave me a different answer after which I noticed that Mosaic deducted back all the mileage and overtime earned on the current pay period. He told me we don't get paid mileage or travel if it's under 30 miles, AND, tried to make me feel guilty for submitting mileage claims! Asking what purpose I'm claiming three dollars and most people travel further to work. Only it was NOT three dollars but about $71 per week, and that doesn't include days when I had to take Uber or Lyft when train wasn't an viable option. That's roughly a $25 trip that I don't include in the claim, much MUCH more than what they're paying me an hour of work. Bare in mind, that even though I was working full-time hours to cover stores, I'm in Mosaic's system as part-time so they won't have to pay benefits or bonuses. Could Mosaic's daily call report system be flawed under the section, "Are you working in your home store?" After you select "NO," it prompts you to input mileage and any travel expenses. If you select "YES" then of course it doesn't allow you to input mileage or travel expenses. Or perhaps the Field Operations Managers are trained by Mosaic to find arguments that would appear justifiable on their part. How does company policies suddenly changed when it can adversely affect the current employees? In summary, what I dealt with, at least the Northern California sector of Mosiac/Samsung, you're scheduled 9 hour shifts in a store because of lack of staffing and sometimes you don't get to take a lunch or goes into over-time because in retail it's very customer heavily in times of new product launches or holidays, not only you are required to do the sales, but trouble shoot on Samsung devices and teach workshops! Mosiac argues in their favor in any way without reasonable consistency to cut corners of your pay. They forget that we are also their client. They work for us because they make money off of us, being treated as respectful clients rather than disposable employees would certainly be a better working relationship.
Mosaic Reviews
I signed a contract for an off-grid PV system with a battery backup system with Complete Solar. On 3/1/2021 I signed a contract (loan #277977) with Mosaic to fund the $97,333 project.
As per the terms of my loan there is one disbursement of $97,333 when the install is 100% completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100% completed and I confirm the completion.
On 8/12/2021 the installer sent Mosaic photos of my house numbers on a pole and some solar panels on my roof. They didn’t show pictures of the remaining 60% of the system because the system was not complete. Even though there was no evidence of a “completed” project, and I didn’t confirm it was completed, Mosaic disbursed the entire amount to the contractor.
October 28th I was informed my first payment was due on 11/15/2021. Since then, I have been fighting to stop making payments on the loan since they made a mistake in paying the contractor and the system is still not 100% complete. Since they already paid the contractor they state they can’t do that.
As an aside the contractor never got a permit for the work and abandoned the project in August 2021 as soon as they got paid. I have not heard from my project manager since 8/19/2021. The project is dead in the water since there is no permit. Mosaic knows all this.
Mosaic has talked to the installer several times since October and each time the installer lies about the status of the project or the fact that they are in communication with me to finish the project. Considering Mosaic knows that the contractor defrauded them to get paid in the first place and continues to lie to keep the money I do not understand why my loan can’t be cancelled and I can not only stop making loan payments on a system I don’t have AND I can get back the payments I have made to date.
Due to short number of staff and market demands, I was moved around to cover different stores outside of the city of my home store. This was not disclosed at the time of my hiring agreement since utilizing the trains was my predominate way to commute within the city. Mosaic's acting Field Operations Manager after presented with the issue, berated over the phone, "Look at it this way. You get mileage to cover those locations, but since you're not driving, you get transits reimburse. Think of it, when you step out the door, you're working." I agreed to cover those stores and they did reimburse me for travel until the new acting field manager, which was trained by the previous, gave me a different answer after which I noticed that Mosaic deducted back all the mileage and overtime earned on the current pay period. He told me we don't get paid mileage or travel if it's under 30 miles, AND, tried to make me feel guilty for submitting mileage claims! Asking what purpose I'm claiming three dollars and most people travel further to work. Only it was NOT three dollars but about $71 per week, and that doesn't include days when I had to take Uber or Lyft when train wasn't an viable option. That's roughly a $25 trip that I don't include in the claim, much MUCH more than what they're paying me an hour of work. Bare in mind, that even though I was working full-time hours to cover stores, I'm in Mosaic's system as part-time so they won't have to pay benefits or bonuses. Could Mosaic's daily call report system be flawed under the section, "Are you working in your home store?" After you select "NO," it prompts you to input mileage and any travel expenses. If you select "YES" then of course it doesn't allow you to input mileage or travel expenses. Or perhaps the Field Operations Managers are trained by Mosaic to find arguments that would appear justifiable on their part. How does company policies suddenly changed when it can adversely affect the current employees? In summary, what I dealt with, at least the Northern California sector of Mosiac/Samsung, you're scheduled 9 hour shifts in a store because of lack of staffing and sometimes you don't get to take a lunch or goes into over-time because in retail it's very customer heavily in times of new product launches or holidays, not only you are required to do the sales, but trouble shoot on Samsung devices and teach workshops! Mosiac argues in their favor in any way without reasonable consistency to cut corners of your pay. They forget that we are also their client. They work for us because they make money off of us, being treated as respectful clients rather than disposable employees would certainly be a better working relationship.