WebBank solar loan cancellation is something thousands of homeowners need to understand right now. Many people financed solar systems through WebBank. They signed contracts with Attyx or Mosaic to do it. Now they face payments they cannot afford. Some have systems that do not work. Others have installers who have gone silent.
You are not alone. In 2026, the New York Attorney General sued Attyx, Solar Mosaic, and WebBank. The lawsuit covers a $275 million scheme. It targeted seniors and people on fixed incomes. If you are one of those borrowers, you still have options. For free resources and access to reviewed specialists, visit Solar Cancellation Companies.
This guide walks you through your rights and the steps to take.
Understanding WebBank Solar Loans
What Is a WebBank Solar Loan?
WebBank is a state bank based in Utah. It acts as the lender behind many consumer solar loans in the US. You may have thought you were dealing with Mosaic or Attyx. In many cases, WebBank was the actual creditor.
WebBank does not install solar panels. It does not send sales teams to your door. It provides the money behind the loan. It then passes servicing to companies like Solar Mosaic.
How WebBank Works With Attyx and Mosaic
The chain works like this. Attyx or another installer finds the customer. They sign you up for a solar system. They set up your loan through Solar Mosaic. Mosaic acts as the loan platform. WebBank sits behind Mosaic as the funding lender.
Attyx solar loan cancellation cases often involve this three-party setup. The installer made the promises. Mosaic handled the loan. WebBank funded it. All three have been named in lawsuits for their roles.
Attyx ran as SUNco Capital before rebranding. It kept signing up customers and installing systems. This happened even after New York regulators pulled its license in late 2025.
Who Is Responsible for Your Solar Loan?
Most borrowers get confused here. WebBank made the loan. Mosaic serviced it. Attyx sold you the system. When things go wrong, each party tends to point at the others.
The FTC Holder Rule protects you here. It says lenders who fund consumer sales contracts can be held to account for the seller’s actions. This is a key legal tool. It means WebBank and Mosaic cannot walk away just because the installer caused the problem. Not sure which type of agreement you signed? Our Solar Contract Type guide explains the difference between a loan, lease, and PPA.
WebBank vs. Solar Installer
Your loan contract and your install contract are two separate documents. Canceling one does not cancel the other. This is one of the most important things to know before you act.
Can You Cancel a WebBank Solar Loan?
Yes, in many cases you can. How hard it is depends on where you are in the process. It also depends on what went wrong.
Before Installation
If you act fast, your options are strong. Federal law gives you a three-day right to cancel certain loan deals signed in your home. This is the right of rescission under the Truth in Lending Act.
One homeowner in Queens tried to cancel her WebBank loan within that three-day window. An installer rep came to her home and pressured her to stay. Her cancellation was not honored. Document everything if this happens to you.
After Installation
Cancel financed solar contract claims after install are harder. They are still possible. Did the system fail to work as promised? Did the sales rep lie about savings? Were the tax credits fake? Was your signature placed on the loan without your clear knowledge? These are all valid grounds for a dispute.
Situations That May Support Cancellation
- Your monthly bill is much higher than what the salesperson told you.
- The system was never fully set up or does not produce power.
- The installer left or went out of business.
- You were told about free government programs that do not exist.
- Your signature was placed on a loan document without your full awareness.
- Tax credits were promised but you did not qualify for them.
- Hidden dealer fees pushed your loan total up by 20 to 30 percent.
When Cancellation May Be Difficult
- The system works and the loan terms match what was disclosed.
- You missed the rescission window and have no proof of misrepresentation.
- You have made multiple payments without filing any complaint.
WebBank Solar Loan Cancellation vs Contract Cancellation
Key Differences
Your solar install contract and your loan deal are separate papers. Canceling the install deal with Attyx does not erase your loan with WebBank or Mosaic.
Loan Payoff vs Cancellation
WebBank solar loan payoff means you pay the rest of the balance to close the account. Cancellation means the loan is voided. This often happens through legal action or a formal dispute. Payoff costs you money. Cancellation may mean the debt is wiped away.
Settlement vs Cancellation
WebBank solar loan settlement happens when both sides agree to a reduced payoff. It can also mean changed terms to resolve a dispute. It is not the same as full cancellation. But it can cut what you owe by a large amount.
| Option | What It Means | Best For |
| Loan Payoff | Pay the rest of the balance in full | Homeowners who want to close the account cleanly |
| Loan Cancellation | Loan is voided through dispute or legal action | Cases involving fraud, false claims, or breach |
| Settlement | Reduced payoff agreed by both sides | Disputed loans where full cancellation is not certain |
| Refinance | A new loan replaces the WebBank loan | Borrowers with good credit seeking lower rates |
How to Cancel a WebBank Solar Loan
Follow these steps in order. Each one protects your rights and builds your paper trail.
- Collect all your documents. Pull your loan deal, install contracts, emails, and any sales recordings.
- Check your loan terms. Look at the exact APR, the dealer fee, and whether the loan amount matches what you were told verbally.
- Write a formal dispute letter. Send it by certified mail to both WebBank and Solar Mosaic. State the exact reason for your dispute.
- File a complaint with the CFPB at consumerfinance.gov. This creates an official record. The lender must respond to it.
- Report the issue to your state Attorney General. New York, California, Minnesota, Kentucky, and Tennessee have all started probes into solar loan fraud. File your complaint directly at the NY AG consumer protection page if you are a New York homeowner.
- Do not stop payments without legal advice first. Missing payments without a valid dispute in place can hurt your credit score.
- Contact a solar loan cancellation lawyer in the USA. An attorney can check whether the FTC Holder Rule, TILA, or your state’s laws apply to your case. Find reviewed specialists through the Solar Cancellation Companies directory.
- Follow up in writing. Confirm every call and every promise by email or letter.
WebBank Solar Loan Cancellation Checklist
Before you call the lender or an attorney, gather these documents.
- Loan agreement with WebBank or Mosaic, including the APR and total repayment amount.
- Install contract with Attyx, SUNco, or your installer.
- Payment history showing every payment made and any missed ones.
- Sales emails and texts showing what was promised before you signed.
- Inspection reports or any system output records.
- Permits and approvals for the work done on your property.
- Warranty papers from the installer or panel maker.
- Photos of the install including any unfinished or damaged work.
- Utility bills from before and after the install to compare energy use.
- Tax papers if you were told you would get federal or state tax credits.
What Happens After Cancellation?
Once you dispute or cancel your loan, a few things may happen. It depends on how the lender responds.
- The lender looks into your claim. This usually takes 30 to 60 days.
- Payments may pause during the review. Or they may keep adding up.
- If your dispute is upheld, the loan can be voided. Any amounts paid may come back to you.
- If the dispute is denied, you can take it to the courts or a state agency.
- Credit reporting may be affected during a dispute. A valid CFPB complaint can sometimes pause negative marks.
- A lien on your home placed by Solar Mosaic may need to be formally removed as part of any deal.
Our Solar Exit Guides cover how post-dispute processes typically unfold with major solar lenders including Mosaic, GoodLeap, and GreenSky.
Common Reasons Homeowners Cancel
These are the most common problems we see from WebBank, Attyx, and Mosaic borrowers.
- False savings promises: Sales reps said bills would drop. They did not.
- Tax credit lies: Borrowers were told they would get federal tax credits. Many did not qualify.
- Unfinished install: Panels were put on the roof but never connected or turned on.
- Installer gone: Attyx and related firms stopped picking up calls and replying to emails.
- Roof damage: The install caused leaks or structural issues. No one fixed them.
- System does not produce: Electric bills did not go down as promised.
- Hidden fees: Loan totals were pushed up 20 to 30 percent by fees never disclosed.
- Forged signatures: Homeowners found their e-signatures on papers they never read or approved.
How to Handle a WebBank Solar Loan Dispute
Webbank solar loan dispute claims start with a written complaint. Send it to the loan servicer and to WebBank. Your letter should name the exact problem. Add proof. State what outcome you want.
Once a dispute is filed, the lender must look into it. Federal law requires this. The CFPB watches the process. Replies usually come within 30 days. Complex cases can take longer.
If the review sides with you, the lender may void the loan or offer a refund. If not, you can go to your state AG or pursue legal action.
Can You Stop Making Payments During a Dispute?
This needs careful thought. Stopping payments without legal cover can hurt your credit. It can also lead to debt collection calls. At the same time, paying a fraudulent loan can sometimes affect your legal case.
The safest step is to speak with a consumer attorney before stopping any payment. In some states, a valid CFPB complaint may offer some cover. But this is not a guarantee. Each case is different.
Do not trust a verbal promise from a lender rep that payments are paused. Get it in writing every time.
Understanding Your Rights
Federal and state laws give you strong protections as a solar borrower. Here are the key ones tied to solar loan cancellation rights.
- Truth in Lending Act (TILA): Requires full disclosure of loan costs, APR, and terms before you sign.
- FTC Holder Rule: Lets consumers hold lenders to account for the seller’s actions in certain credit deals.
- Right of Rescission: Gives you three business days to cancel certain loans signed in your home.
- State consumer protection laws: New York, California, and many other states have their own fraud laws.
- Home Solicitation Sales Acts: Several states including California allow cancellation of contracts signed during in-home sales visits.
The US solar loan cancellation rights that apply to you depend on your state and your contract. A solar attorney can tell you which ones fit your case.
Where to Report Solar Financing Problems
- CFPB: Go to consumerfinance.gov. File a complaint about the lender directly.
- FTC: Go to reportfraud.ftc.gov. Report deceptive sales tactics.
- State Attorney General: Your state AG handles consumer fraud claims. New York and others are actively reviewing WebBank, Mosaic, and Attyx cases.
- Better Business Bureau: Go to bbb.org. File a complaint and check existing records against the company.
When Should You Contact a Solar Loan Cancellation Lawyer?
Reach out to a lawyer if any of these apply to you.
- Your installer has left or gone out of business.
- You think your signature was placed on papers without your consent.
- Your monthly bill is much higher than you were told it would be.
- Your loan was funded before the install was complete.
- The lender denied your dispute and you believe this was wrong.
- A lien has been placed on your home.
- A debt collector has contacted you.
A webbank solar loan attorney near me who works in consumer protection can assess your case. Many take cases with no upfront cost to you.
Mistakes That Delay Cancellation
- Waiting too long after you spot a problem.
- Calling instead of writing. Always dispute in writing and send by certified mail.
- Thinking the installer will fix the loan issue. They are two separate parties.
- Stopping payments without legal advice first.
- Signing a deal without having an attorney review it first.
- Throwing away your original contracts or sales materials.
Warning Signs of Solar Financing Problems
Watch for these red flags in any solar loan deal.
- Payment terms are only given verbally. Nothing is confirmed in writing before you sign.
- The sales rep uses a tablet and asks you to tap a screen to sign. You are not allowed to read the document.
- You are told that a government program will pay for the system. No details are given in writing.
- The sales rep says the offer expires tonight and pushes you to sign right now.
- No permits are pulled before the install starts.
- The loan total is far higher than the system price you were quoted.
- The company recently changed its name or is using a different brand name.
Frequently Asked Questions
Can I cancel a WebBank solar loan?
Yes. Cancellation is possible in cases involving fraud, false claims, or a breach of contract. How strong your case is depends on your documents and the facts of your deal.
How do I cancel a WebBank solar loan?
Start with a formal written dispute to WebBank and your loan servicer. File a CFPB complaint. Report to your state AG. Talk to a solar attorney. See the 8-step guide above for the full solar loan cancellation process.
Does canceling the installer contract cancel the loan?
No. These are two separate deals. Canceling with Attyx does not release you from the WebBank or Mosaic loan. You must deal with both separately.
What happens if the installer disappears?
This is strong grounds for a loan dispute. Under the FTC Holder Rule, the lender cannot ignore your claim just because the installer is gone. Document the facts and file complaints right away.
Will cancellation affect my credit?
A valid written dispute can offer some cover from negative credit marks. But missing payments without a dispute in place will likely hurt your score. Get legal advice before stopping any payments.
Can I dispute a WebBank solar loan?
Webbank solar loan dispute claims go directly to WebBank and the CFPB. If you have proof of false claims, hidden fees, or breach of contract, you have grounds to dispute the loan in writing.
What documents do I need for cancellation?
You need your loan deal, install contract, payment records, sales emails, inspection reports, permits, photos, and utility bills. See the checklist above for the full list.
What are my rights as a solar borrower?
Your us solar loan cancellation rights include the right to cancel certain contracts within three days, full loan disclosures under TILA, and the right to hold lenders to account for installer fraud under the FTC Holder Rule.
Can I stop making payments during a dispute?
Only with legal advice. Stopping payments without the right cover can trigger collections and credit damage. Talk to an attorney before you take this step.
How long does cancellation take?
CFPB reviews usually wrap up within 30 to 60 days. Legal disputes can take several months or longer. Acting fast and having strong records can speed things up.
Can I negotiate a settlement?
Yes. A settlement is often faster than a lawsuit. An attorney can push for a reduced payoff or a full void of the loan. This works best when there is clear proof of fraud or false claims.
When should I contact a solar loan attorney?
Contact one as soon as you think the loan was fraudulent, the installer broke the contract, or the lender turned down a valid dispute. Many solar consumer attorneys offer free first calls.
Conclusion
WebBank solar loan cancellation can feel like a daunting task. That is especially true if an Attyx or Mosaic rep misled you. But you do have rights. Federal law is on your side. State consumer laws are on your side. The New York Attorney General is actively pushing for relief for affected borrowers.
The process works best when you act early. Gather your documents first. Send written disputes to the lender. File with the CFPB. Report to your state AG. And if the response is not fair, get a solar loan attorney involved.
Do not wait for the lender to fix this on its own. They will not.
Solar Cancellation Companies works with homeowners across the US who face these exact problems. If you have a WebBank, Attyx, or Mosaic loan that feels wrong, contact Solar Cancellation Companies today for a free review of your case. You deserve to know your full options before you make another payment.