Consumer complaint received 2025-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
An HVAC Service provider, referred me to " GoodLeap '' ( GL ) after my HVAC system was diagnosed as needing repair. Instead of " putting a band-aid on the problem '' per the Service Provider, they stated they had a financing company that I could go through, which is GoodLeap. Through the HVAC Service Providers " tablet computer '', he initiated a credit check with GL on XX/XX/year>, which GL approved based on my credit/current income. However, the new HVAC installation was not completed until XX/XX/year>. After the install, the HVAC company gave me paperwork that had an outdated business license - which I did not see, until after they finished the install, & I had a chance to review all the docs they left for me. I contacted the HVAC provider, and they stated they would provide an updated copy to me. To date, I have not received this copy. Approximately 10 days later, I was contacted by GL, who emailed me loan paperwork to review. I explained that I needed a hard copy of the paperwork- as it is difficult for me to review this enormous amount of paperwork on an App ( accessible by a phone or tablet ). They agreed to mail the documents by postal mail within 7-10 business days. As of XX/XX/year> - I still have not received the hard copy documents. I was able to figure out how to access these documents via a desktop computer, and once I saw some of their illegal practices, such as placing a lien on my personal property, etc., stating that I could not sell any of this property until the loan was paid in full. I became alarmed. GoodLeap called me on XX/XX/year> and wanted to review the terms of the loan with me. I explained to them, that I requested a paper copy of all paperwork, before signing, as I do not wish to review this, within an App, on my phone. They agreed to mail the documents. On XX/XX/year> - GoodLeap called me again, to go over the loan paperwork. I stated that " Ive previously asked that a hard copy be mailed to me, via postal mail ''. This representative asked if I had questions, and I stated " Yes, I have questions, but I will not sign anything until I can review all copies that are sent to me ''. He also stated that he saw, in the notes for my file, that I requested a print out/hard copy of the terms, as it appeared to be 30+ pages, to review on a computer due to the small print and strain on my eyes. This representative stated that he would call me on XX/XX/year> to review the loan terms. This same representative never stated that my signature was already on the documents, with a date that was the " same '' day as the installation of my HVAC system, that was to be financed thru Good Leap. GoodLeap committed fraud by adding my signature & date, using Docusign, to insert my unauthorized signature, on forms that were to be sent to me, for review first. GoodLeap also never disclosed to me, that they would place a lien on my personal property nor did they say that " I can not sell any personal property '' until the loan is paid in full. Also GoodLeap never provided me the 3 days right to cancel this agreement, as I never received electronic access of the loan paperwork until they emailed me the link to their website, on XX/XX/year>, but on that same day, I requested a hard copy which I have not received, to date. Even on XX/XX/year> - GoodLeap was still aware that I had not received the loan paperwork, via postal mail- as I discussed with the GoodLeap representative, on XX/XX/year>. The funds have now been disbursed to the HVAC provider.

Company response to consumer: Closed with explanation