Sacramento homeowner who showed interest in solar ended up with lien and loan

If you look up at the roof of Andrea Bokreta's Sacramento home, you won't find solar panels. She decided against them after meeting with a representative for Solar company Freedom Forever in February 2023.

[@user-uf1dn2gc2o]

Hope they get 20 years in a federal prison

[@williamwilson6499]

Settle down, Francis.

[@aliabdelaziz905]

In crimeafornia? They’ll get a bad yelp review, that’s about it

[@iwishpeoplecaredagain]

I doubt that since they don't arrest anymore crims, they're getting away with all kinds of evil.

[@patricktam4278]

For each loan…

[@rickysampson8759]

Why? It’s pushed by your lord Biden

[@lemontea128]

Need SS # to get an estimate. Big red flag

[@thejuicerr]

Eaxtly!

[@sebastianliu2009]

I agree. I got my panels around march/april '22 and the sales rep gave me an estimate using the sq ft of my house, google map/aerial pic of my roof. His estimate was slightly higher than the actual cost. So i got it and they installed it. Cost me around $24K and with tax credit it ended up costing $13K with 1.58%APR.

[@stevethomas2094]

Yep. If they ask for the SS #, that should be the end of the conversation.

[@TheRealScooterGuy]

I'm guessing that if anyone questions that, they just say something like, _"We have to run your credit in order to see what services you qualify for."_

[@Pens4Life85]

Yeah, there's definitely a portion of culpability on this lady. These "scams" always have a task or action by the "victim" that showcases they did something stupid lacking common sense

[@sappysuds4545]

never give your SS number for an "estimate".

[@PatrickBaptist]

THANK YOU! How can anyone be that stupid? Can't help but wonder if she was making any of that up....

[@EngageYourFrontalLobe]

@@PatrickBaptistWhat? No. Where is the product she financed, if you are correct?

[@PatrickBaptist]

@@EngageYourFrontalLobe I dunno, but sometimes people get into an agreement and the one party takes the money and doesn't render their end of the agreement. The buyer needs to be diligent and read what they are agreeing to so when they are not getting what they paid for they can take the seller to court, IF they cannot handle the realities of life then they need a court appointed person to supervise them and have to have someone else make their decisions for them. Ive spent a long time in customer service listing to irate people that won't read the terms and conditions they agree to, or swear/promise. Just saying they need to read what they sign, when they don't I don't have it in me to feel sorry for them since they had no care to read the terms, people have to learn one way or another, IF they would then these scams could not go on.

[@cmorris9494]

​@PatrickBaptist she is an elderly lady. She's not stupid she just got taken advantage. It happens to elderly people all of the time. I'm sure you wouldn't call your parents stupid if they get taken advantage of.

[@tuckerbugeater]

I would

[@SuperJK-Man]

Shut this business down

[@WobblePizza]

Definitely worse than that. This is fraud and people should go to jail for it.

[@wc4109]

They’re not even businesses. They are plain old Scams!

[@RAdaltonracer]

Particularly Mosaic. They really go after everyone in multiple states.

[@tuomasholo]

The attorney general should investigate. This is a total scam.

[@celebrityrog]

The AG isn’t going to prosecute. He’s too busy trying to find ways to let Trump destroy America.

[@likemilfes]

No worries, the solar companies are green energy and bribe the local politicians and courts well. She have to pay full price for getting nothing. Welcome to Dem paradise!

[@beentheredonethat814]

Yeah right. It's CALIFORNIA. Need I say more?

[@tomodonovan5931]

@@beentheredonethat814 lol! That is like letting the fox inspect the chicken house by himself.

[@dercooney]

@@tomodonovan5931 not really. state level judicial attention is often used to keep companies in line

[@ybemad]

The fact that the reporter had to jump through all those hoops to get them to cancel the loan WHEN NO PRODUCT OR SERVICE EXISTS is a huge problem. They hide behind obvious legal mistakes in the system. Shut down the companies involved and also address the legal problems that allow this to happen.

[@FatLittleOldLady]

Amen!

[@EngageYourFrontalLobe]

Agreed

[@euamoflash]

If she signed where are the installed solar panels???

[@doverbeachcomber]

Basic life rule in 2024: Don’t trust any strangers who come to your door uninvited. Period. Whether asking for a donation or trying to sell you something, they’re almost always trying to separate you from your money. Some are honest, but many aren’t, and the latter have ruined things for the former.

[@fixedit8689]

Window company came repeatedly to my door pestering me. I called their company and said the next one will be invited in and you’ll need to notify next of kin due to a home invasion and I feared for my life.

[@FatLittleOldLady]

I had a door to door guy come and tell me I had to take something from the government he was required to deliver by law. I asked who it was for. He said he didn't know. Just somebody who lived at this address. I think it was a phone. He said it was a safety device. I locked the security door and talked through it, refusing to sign. I said, "Leave it on the porch rail, then". He said, "No. You have to sign for it." I got my boyfriend to come get a gander so he could identify him, too. Eye witness. I told the guy to get the expletive out of my yard and that if he ever came back I'd be sure to have an answer for him. I had Christian memorabilia on my porch and he said it was nice, to shame me for being mean. I said, "You bet I'm a Christian, but you are a scammer. Don't come back." I called police. They came and I told them about the guy. They went to look for him to ask him some questions.

[@MmmhMarky]

Once my mom call pest control to fumigate around her house while I was there. The worker asked me to sign that he had completed the job. I refused because on it it said we agreed for future annual fumigations. He tried to pass it off as completion of a job instead of contract for future work without ending date. Imagine how many families fell for it and they'll used the "it was here in the document you signed".

[@simplygrateful4494]

@@MmmhMarkyThanks for sharing that.

[@TheRealScooterGuy]

Exception: If a _stranger_ shows up selling _Thin Mints,_ there's a really good chance I'm buying their entire supply!

[@TheNobleExile]

Some people at the top of these companies should be put in jail.

[@Ryan-wx1bi]

Nah. Everyone top to bottom. They know exactly what's going on.

[@scribble5057]

Docusign can be forged. Check the isp for where it was docusigned. I bet the sales rep did it from his house

[@EnhancedSimplicity]

If it's DIGITAL it's FAKE... if it ain't on REAL PAPER, witnessed or notarized then it's ALL FAKE

[@bobbymichelin540]

U can see the hand writing is identical to brian deckers on that page. Clearly forged by him, or the person writing both of their names.

[@Distress.]

Electronic signatures that don't use an actual signature done with a stylus or something should be illegal

[@joshuahudson2170]

@@Distress. There is such a thing as a digital signature that works, but DocuSign doesn't use it or anything like it.

[@8188jlpc]

Chase those scammers off your porch if they come knocking on your door.

[@dianetan5790]

It’s okay Scottsdale pd gives out fake duis she can afford it

[@Praisethesunson]

They don't knock. They call you.

[@8188jlpc]

@@Praisethesunson don't answer the phone, pretty simple

[@Praisethesunson]

@@8188jlpc Spoken like someone who is never called for anything but scams

[@seancowhie6951]

Never give out your social security number

[@joerudnik9290]

There’s NO REASON TO SIGN ANYTHING for an estimate. The company signs, that’s it!!! This should be a class action suit!!!🤨🤬

[@likemilfes]

No worries, the solar companies are green energy and bribe the local politicians and courts well. She have to pay full price for getting nothing. Welcome to Dem paradise!

[@chad9971]

These predatory companies believe they can get away with it, and if caught, the penalties are just the "cost of doing business". There needs to be harsher repercussions. Just ONE predatory incident being caught should have them on life support, if not, closed down permanently.

[@Baebon6259]

I wonder if they even have the nerve to put it is on their tax return that penalties and fines qualified as tax deduction/write-off.

[@TheRealScooterGuy]

Of course, they will just blame it on a sales rep who, conveniently, is no longer with the company.

[@joshuahudson2170]

Which is of course why they will be able to write it off. The claim is the sales rep committed fraud to get his commission.

[@andresv8856]

Hopefully, they will lose their license. They make the industry look bad..

[@user-uf1dn2gc2o]

Nah they should go behind bars , these are criminals

[@Kenny49ERS]

Nothing will happen

[@andresv8856]

@@Kenny49ERS probably you are right, as long as they keep paying those fines..

[@Kenny49ERS]

@@andresv8856 correct 👍

[@andresv8856]

@Kenny49ERS I mean CA does this with criminals as long as they get the bail 💰 🤑

[@TheBORG580]

Rule number one never ever give out the damn Social Security number come on people

[@dcwatashi]

I’m just shaking my head. I can’t believe these people are that uneducated to be polite.

[@pitmclord]

It’s ridiculous that such a number has so much power. You have to give your SS# out in some situations so I don’t blame them for making that kind of mistake

[@seaturtledog]

Scammer companies can get your SS number quite easily

[@reasonablegentleman]

If their argument is that she signed a legitimate contract, where are the panels?

[@chrisbelcher5320]

That’s cruel. When you’re seeing door to door salesman, you keep that door closed!

[@onecleangti]

We have a sign on our door that reads “solicitations will be charged $50 for our time loss” they walk away immediately

[@seaturtledog]

Nothing good comes from sales call at the door or from a phone call to you.

[@N_925_]

They need to go after Sunrun, salesman in Fairfield to Sac area is a snake

[@mamatried528]

Add Sunnova to that list, too!

[@likemilfes]

No worries, the solar companies are green energy and bribe the local politicians and courts well. She have to pay full price for getting nothing. Welcome to Dem paradise!

[@arilewis5906]

Sunrun!!!! Yep, i am going to DOE to report them. The forced me into solar panels when the original owner was suppposed to pay off the balance before transfer of deed.

[@psgame2kify]

Two months ago, a guy claiming to be “solar specialist” showed up at my home. He offered free solar panels and free installation. He promised my electricity bill would be fraction of I was paying. And I could sell unused power back to pg&e. His business card didn’t even have company name and address. As soon as he asked my social security number for credit check, I told him to leave.

[@fergalstackstreams]

I would have gotten in my car and followed him out of the neighborhood to make sure he didn't scam my neighbors.

[@joshuahudson2170]

If you got a written document to that you might have been able to hold his company to it.

[@warrpedd]

All door to door salesmen get the same response: "get off my property.". They are popup ads in real life.

[@oldsagejoe]

Never sign a blank iPad or tablet screen. A siding contractor used that scam on me and reproduced my signature in numerous places many of which clauses included my acknowledgment of reading the contract I never saw. I squawked loudly and clearly and the contractor returned the illegal 25% deposit and retrieved the unused materials stored in my yard.

[@davidfaustino4476]

God forbid you pay a little up front to cover materials. And where did you think the materials would be stored exactly.. a floating island above your property??? You sound like a nightmare.

[@flashoflight8160]

I know hospitals that do the same thing with a digital signature pad while you can't see the screen with the terms and conditions of payment. The hospital admissions person will only read an abridged version of the terms and conditions.

[@eragonawesome]

​@@davidfaustino4476 That's not what they said. They said the contractor ILLEGALLY signed a contract on the client's behalf, something so wildly illegal I cannot even begin to explain it to you, and used that illegally signed contract as justification for an illegal 25% deposit and using their back yard to store materials which were not used in the project.

[@programaticLearning]

Put the people who did this in prison for a minimum of 5 years. The whole docusign process is rife with fraud tbh.

[@Quilt4Joy]

This happened in Texas too.

[@lylmurphify]

What a bunch of criminals, that's fraud. Clear and simple. Prosecute!

[@niico76]

AG needs to put a stop to this! Where are the solar panels if this was a legit transaction? A lien on her house? For what? They didn't do anything.

[@martinbarba-jd7vw]

Thank you for exposing this crooks hope they go to prison 🤬😡

[@bobjones1636]

Sue ‘em for fraud and emotional distress.

[@bobina05]

I remember when I was a kid in the 70s/80s hearing about solar panels and how much they were going to help the environment and people's bills. Sad that it's all become such a scam.

[@rebelroar78]

Solar farms are great for reducing demand on powerplants during heatwaves but the panels that go on houses are kind of a scam.

[@imzjustplayin]

Solar isn't a scam, scammers just peddle them... Like used car dealers some being scams, some not.

[@FatLittleOldLady]

me too. In the 70's.

[@sorbabaric1]

Government money in the form of tax payer subsidies helped that along. Free money !!!! Just find a way to scam it.

[@sorbabaric1]

It isn’t a solar farm. It’s a solar installation or industry. No farming involved. And no trees or animals either.

[@johnthomas6651]

If she got a loan for the solar panels then where are the solar panel 1year later no work or panels. You know they lying

[@nativestacker4185]

There are lots of companies doing this type of thing and using electronic devices and the internet just makes it easier . I had a job installing Solar Panels , the best and safest way to get this done is to buy your own panels , boxes , converters and cable then hire an Electrical Contractor to install . Obviously there is more to the parts list you will need but the bottom line is no shady contracts with a company .

[@Thomas63r2]

As soon as the investigator checks the ISP location of where the documents they will find that they were signed somewhere else other than this woman's house. We seniors are common targets for an endless array of scams - never ever give out your SS# to anyone who shows up at your door, or to anyone online.

[@lookitskazzy]

Yep, I bet an audit of the IP addresses used to sign won’t match the IP addresses of the customer devices. Fraud, these salesmen need to go to jail.

[@Quilt4Joy]

Sue them!

[@dannyn.3539]

It’s the same 2 company again. They been doing this to so many people.

[@mlong9475]

FRAUD !!! They should file a Class Action lawsuit against them.

[@michaelshafer7752]

I work in this industry and this is wild! Freedom Forever is by far one of the worst companies that happens to operate on a large scale. Any loan should never take affect until glass is in roof. The fact that this is going on across the nation is giving the good guys like us a bad rep. I hope both companies get shut down.

[@clifflong7944]

Jail these crooks ffs…

[@wanderingquestions7501]

Contact county and city prosecutors to pursue Mosaic for fraud and damages.

[@daryl4225]

It sounds like they put a scaffolding process over docusign to forge signatures

[@pamwaldron3504]

NEVER give out your Social Security Number and NEVER sign blank documents.

[@Mike_Genisys]

The people at these companies need to be placed in prison.

[@CaraPulley]

Then there are people who sign documents to get an estimate, and the next thing they know, installers show up to put the panels on their homes. Be careful who you work with, and do not let them install if you are not expecting it.

[@TwitchCaptain]

An AWS IP DocuSigned for her. Total scam.

[@DagNeb_It]

The “B” in Brian Decker at the bottom and the “B” in Andrea Bokreta look the same!

[@TheRealScooterGuy]

On DocuSign, it's not a captured copy of your signature, but just your name printed with a font that resembles cursive.

[@carmentorres1426]

That’s way too shady. Lock them up. I’m having a similar situation with Vivint home alarm.

[@johnnytran800]

Sales rep got his/her comission and dipped.

[@davidcarp5935]

How can you get locked into a loan without proof or signed docs etc. DUH! Not to mention not even having solar. How are these people not in jail immediately.

[@raphaelwoods8241]

Docusign records IP addresses and a lot of other data so they can see who actually signed

[@havad3938]

Yes, please make a class action suit. Why aren't they shut down yet???

[@wvp07]

Those scammers were in our neighborhood last week! Thankfully we were to warn our neighbors on Nextdoor.

[@dontbanmebrodontbanme5403]

They're obviously scammers. I don't care what they claim she signed. SHE DOESN'T HAVE SOLAR PANELS!!! 😂

[@peacenow4456]

Great expose'

[@Anthony-dj4nd]

Go to a legit company and stay away from scammers. Problem solved.

[@rlford10]

@Anthony-dj4nd...the problem is being able to identify who's a "legit company" in an industry as new as solar energy / panel biz. There's not been adequate time passed to establish a track record to review in this relatively new niche.

[@TheFishingExperience916]

No soliciting!

[@FatLittleOldLady]

cop told me to put up a no soliciting sign because of the scammer that came by.

[@DMalltheway]

Supreme Court ruled legal

[@ianswayne7296]

Take house ask questions later after company goes bankrupt. Arbitration agreement so no class action?

[@timeout...4nva]

wonderful country

[@didamnesia3575]

Sheriffs could handle this in 20 minutes if they wanted to. Facts.

[@Executableapplication]

How is this not criminal?

[@TheRealScooterGuy]

It probably is, but they have more crime than cops.

[@PlasmaCoolantLeak]

Had two salespeople come to the door shilling for solar, said our neighbors were signed up. Asked one of them, he frowned, and said "That's news to me."

[@panpeter3748]

When will they learn, that ONE Number as a key to your identity is never a safe thing, especially if you are forced to spread it everywhere?

[@drtij_dzienz]

Does the IP address on docusign match her home?

[@MiffedWriter]

I ran into that issue myself in Texas with Mosiac. I had to made multiple calls and emails and texts. They finally cancelled everything.

[@westmassdave7354]

NEVER GIVE YOUR SOCIAL SECURITY NUMBER TO ANYONE.

[@antiquesewist423]

I battled my dad for years about these solar scammers. Every other week he was trying to talk me into this crap bc he fell for some bs ad on facebook. These scammers should be in prison, and social media that hosts them shouod be fined!

[@Mr12161969]

Wow! What scumbags

[@huckfin1598]

Sure there is a contract so WHERE ARE THE SOLAR PANALS??? How do you hold someone up on one end of a contract but not follow through????

[@YeahYeahBeebisI]

You don't. A contract MUST benefit both sides. A one-sided contract will not hold up in court. The issue is, you need a court case. These companies' profit in every case that doesn't happen. It costs them nearly nothing to rope someone into their scam, and they gain $10K if someone pays them. It's a massive phishing expedition for vulnerable people..

[@spiveydurango5437]

Same thing happened to me, took a year to clear it up. What a cluster ?@&$!.

[@barrymccaulkiner7092]

They were trying to take her home. ....

[@joefriday3534]

Every single Google ad that is offering “free solar” should be removed and each of those companies fined for false advertising.

[@JohnLaMonte]

Put these criminals in JAIL. For 10 years at least!

[@user-qd3nl6lb6c]

Scammers, need to be stopped and prosecuted. NEVER EVER EVER GIVE THEM PERSONAL INFORMATION or SIGN ANYTHING WITH AN TABLET, OR PAPERWORK. Contact the state’s attorney generals office, and the news..

[@whitlcj1]

Comments for Mosaic videos are turned off. Hmmmm...

[@justinw.steigerwalt5471]

There are two victims here. It appears like Freedom defrauded both the home owner and the financer Mosaic.

[@esmeherrera9204]

My mother almost fell for a scam like this. She used to tell me never answer the door to strangers now its the reverse

[@angusmorrison9433]

It’s never ending in this country. I saw a video yesterday about a woman who almost lost her small condo by some realtor that insisted she signed an agreement to sell.

[@noconsentgiven]

Put a freeze on her credit file with every credit agency and get with the feds because her ssn has been compromised.

[@joesterling4299]

Real investigative reporting? In 2024? What a breath of fresh air. Now I'm curious about where the story goes. These scammers need jail time.

[@22jeepmojave75]

Old folks, enough is enough! Don’t answer the door and calls from people you don’t know. Also don’t give out SS# to any jackasses!

[@robertgrays8790]

The estimate is a contract door-to-door solar salesmen use to lock in a commitment before they leave the house. The DocuSign program auto-scrolls to each signature line and this can be done by the salesman on their business tablet. There is usually a 3-10 day cooling off period (required by state law) where the buyer can cancel by sending an signed letter to a specific address on the other side of the country or county. Always read the fine print; don't let the salesmen hurry or bully you into signing anything. Their goal is to gain control of your ownership of the house as collerateral for the loan or lease. That is not worth any savings on electricity by going solar.

[@dircxx8554]

Anyone at my door asking about pg&e or other stuff I just told them I’m not interested gbye… usually they keep asking can I see your bill or something like that lol I just told them I’m good as the way it is …

[@mlcaron6550]

Follow the money - EVERYONE involved needs to get one year in prison for EVERY dollar swindled in this scam.

[@tech-bore8839]

Sad to see that people just freely give out personal info like their SSN, without a second thought.

[@WhiteWolfos]

When you arrest the ceo for intentional fraud you can stop this madness

[@georgegeorge899]

Same with Klarna... Playing a credit without receiving the product... It's been 6 months now... They don't want to cancel the contract... Even though the eBay seller cancelled the purchase...

[@timlewis5096]

All staff involved with both companies need to go straight to jail for life!!! nothing but criminals

[@jamesbullo]

The companies and the contractors should ALL be held accountable.

[@philswaim392]

All that it takes for docusign was for them to record her scrawling once. Then they just tapped through and didn't show her what she signed. They might as well created a rubber stamp from her signature on some other paper and stamped those documents. Docusign is not meant to be done on the same device but rather from the signatories device. That way their ip is also captured as an authentication component but also you can actually see what you're signing on your device where you control what you see. Theres a reason real estate still requires wet signatures.

[@ColeTurner-sr8mc]

I had a representative of a solar company come to my place. I live in the middle of several acres and he had to travel over 300 yards past my "No Trespassing " signs. I showed him my double barreled 12 ga. sawed-off shot gun and told him that he had 60 seconds to get out of shotgun range. Problem solved.

[@DMalltheway]

Supreme Court ruled door to door sales reps can sell so long as they have a license.

[@ColeTurner-sr8mc]

@@DMalltheway I suppose that my 12 ga had been the deciding factor in their leaving and the court didn't have any one there to voice a different opinion...OVERRULED

[@DMalltheway]

@@ColeTurner-sr8mc It’s not your rule it’s the supreme courts, laws are laws. Once you ask the salesman to leave, and he refuses then you got trespassing. Otherwise legal.

[@philliprunge]

Right after this video finished the sponsored ad was for solar energy panels on your house

[@dizzysdoings]

I keep getting calls for solar. I also have people showing up at my house. I don't even talk to them. I don't see the benefit to me.

[@number62]

People need to take matters into their own hands.

[@sfperalta]

If someone asks you for your SSN to get an “estimate”, walk away immediately!

[@theblondeone8426]

what?!? this is insane!!!

[@matok2426]

If someone says they need your SSID or a signature to give you an estimate, don't walk, but run, the other way. They do not need your personal info for an estimate.

[@phitty213]

Go after both companies. They hold licenses and bonds in the states where they do business. Once you go after the bond, it will become a red flag. Consumers need protection from these predatory companies.

[@Elpatojito1109]

I told them too good to be true,and I don’t believe in Santa clause anymore ,Thanks for coming by

[@Bite0fBread]

How can a third party take a loan in your name on it without a notarized Authorization Letter? Also those Digital Signature are obviously copy pasted on each page, How could a bank approved of such thing..

[@tettazwo9865]

Why do people give their SSN so easily?

[@aarondemming]

I think some, if not most of the homeowners actually went through the financing and did not cancel within the 3-day grace period Mosaic gives you to cancel. Signed the paperwork with Mosaic back in 2022 but cancelled in 3-days and nothing negative happened. Decided this year to finance solar panels and signed the paperwork, went through all the approvals (HOA, city, electric company, etc. . .) and got my panels installed. I think the story is intentionally deceptive when it feigns shock at how quickly the owner docu signed the financing. Not saying Mosaic is squeaky clean, but I do believe the homeowner had buyers remorse and did not cancel per the agreement, and then refused the installation but wants to paint a different picture.

[@JSabh]

I'm off grid with solar. I purchased the panels and installed myself for way cheaper than any company. Less than 5000$ for batteries, solar panels, and inverter so, it's already paid for itself in 3 years. I'd never use a solar company, green companies are sketchy given the fraud in the industry. Besides, I want to have my warranty direct to company, not some third party.