Consumer complaint received 2022-11-08
Company: Paramount GR Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I became involved with GoodLeap ( formerly Loanpal ) due to my sales representative XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX. He phoned another employee ( XXXX XXXX ) whom ran my credit and determined that GoodLeap was a good match. XXXX filled out the electronic application. It took many requests for this documentation to be provided to us to verify what was keyed in. Pressured sales tactics made us feel rushed without being given the option to do some research before making a decision. We were told " this offer is only good for today ''. Long story short, we found out that the solar equipment XXXX XXXX installed was not anywhere near capable of doing as the sales rep had stated. We learned this approximately a month after the install when we lost power for the first time. Hardly anything was backed up! We immediately began reaching out to the installation company regarding this issue. Meanwhile, GoodLeap started calling when we cancelled the very first auto draft. My husband ( XXXX XXXX ) and I both explained many times to many different goodleap employees that called the situation at hand. We made known we would not be paying for something that we didn't get. GoodLeap paid XXXX XXXX {$69000.00} for solar installation. I recall on one of the phone conversations I said " You've paid for services rendered yet those services have not been provided ''. I was informed that goodleap didn't pay for services rendered. They funded the install company for the equipment only. I found this quite interesting considering another attachment sent by goodleap to me via email showed a price for trenching .... trenching isn't done on a roof mounted system to my knowledge nor did our yard show any evidence of this been done... I have a roof mounted system... odd?? One woman I spoke with requested a case be opened to investigate the situation. We later found out the man 's name was XXXX XXXX who never got in touch with myself or my husband regarding his " Investigation ''. Without any form of communication with the exception of one anonymous text which offered no contact information, the case was closed, and the collection calls started right back up. Each time I spent roughly 20 minutes on average explaining the situation over and over nearly each morning for quite some time. My husband saw another victim of this same situation post contact information for XXXX XXXX ( XXXX XXXX XXXX ) on a XXXX XXXX. This person claimed they felt like this employee was listening and genuinely trying to help. XXXX reached out and explained the situation again to this man. He then requested a second investigation be opened. This one was headed by XXXX XXXX, XXXXXXXX XXXX  Manager. We spoke many times and exchanged numerous emails. Sadly, she more or less said the case was being closed due to not finding any fraud. This is all after I have sent her many screenshots, screenscrolls, etc to back up what I was telling her. I even provided her with screenshots of attachments sent to me by GoodLeap that the values were even different in the breakdown chart! I explained that I was very suspicious of the electronic signatures and the apparent ability to change documents signed after the fact! She could not provide me with a statement from the sales rep that had supposedly claimed he did not tell us these things we had accused him of as part of his misrepresenting sales pitch. I questioned if she actually spoke with the rep because at this point, she was closing the case and claiming she had to go off the electronic documents, not what we were showing and apparently, not off all the documentation I spent so much time providing her through the course of several weeks. Ironically, she had never updated me before this to let me know they had responded to her initial request for contact. It took me prompting by my frustration of time being wasted with no action happening. I have asked several times to be absolved of this fraudulent loan. The loan was " cured '' pushing a payment due date out to XX/XX/2022. The installation company has since closed its doors and filed bankruptcy. I reached back out to XXXX via email on XX/XX/XXXX and again asked about cancellation as I reminded her that in her email dated XX/XX/2022 she made the comment that GoodLeap was the lender and that they could not cancel their contract unless XXXX XXXX agreed to cancel theirs first. She responded the following day ( XX/XX/XXXX ) by stating that " Unfortunately we are not able to cancel out the contract. However, a XXXX manager will be in touch regarding turning your system on ''. Notably, it would seem she got a promotion between the XXXX and the XXXX as her title was changed to reflect XXXXXXXX XXXX XXXX  Manager. I will say I think I had all I could handle by this point. Months of stress caused my tolerance and patience to disappear. I responded to her email quite sarcastically and asked if the lender would also be taking over sending me an electrician for my flickering lights? Would they be sending me the check I signed a document to receive for lost pay due to the installation company standing my husband up the day he had taken off work to allow them to fix our leaking roof they caused? etc many more questions but I ended off by stating that this was supposed to be a lender. Lenders do not take on installation obligations when the company shuts down. That is not their position in this XXXX triangle and that I would not accept a replacement solar installation company to finish this set up. This was the last I had contact with her. Monday XX/XX/XXXX I received a call from GoodLeap at XXXX. This man was explaining basically the same thing she had said. He stated the name of the installation company that would be taking over getting the system going. I told him the same thing. I do not consent. I decline. I do not accept these services. He asked why and I explained it to him as briefly as I could that we had been trying to have these bogus " contracts '' cancelled since a month after install upons realization that we had been scammed. I told him that goodleap had paid this company to install and yet they closed and filed bankruptcy. I told them it would be in their best interest to file with the bankruptcy court and request those funds back from them. He said he had made notes of this and wished me luck. I have not heard anything from that company since. I have an inoperable system which we were lied to from the very beginning. We have been pushed through this process of continuing to get it going by XXXX XXXX amidst them having multiple appointments for damages they had to repair from their XXXX install crew. XXXX XXXX is not new to this situation. There are many out here just like us that have eerily similar stories. XXXX is quite well known to many as well. I'm happy to provide any evidence you would need to look into this matter. I'm not looking for anything for free. I work and I pay my bills. But I will NOT be paying this one and pray they don't wreck my credit. This has been a nightmare. I filed a complaint with the XXXX Attorney General 's office as well. I'll be doing the same for the Attorney General 's office in XXXX as this is their headquarter state. I will not keep quiet and be taken advantage of. This is wrong on so many levels. Every single employee I've dealt with has heard my story. I don't know how people can be in these types of jobs and sleep well at night. How can their conscious not be bothered?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation