Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
This complaint relates to prior CFPB Complaint ID : XXXX, which has since been closed. I am submitting this new complaint due to material new information that was not addressed in the prior response. In XX/XX/year>, I entered into a home improvement contract for installation of a XXXX XXXX XXXX, whole home filtration system, and related services. The total contract value was approximately {$25000.00}, financed through GoodLeap as an installment loan. The contract expressly included ongoing service components, specifically 4 years filter changes and a XXXX XXXX XXXX subscription ( 15 years ), in addition to installation of the systems. The installation was initially performed without proper permitting and resulted in multiple leak events, which caused damage to cabinetry and flooring. A subsequent service provider, following reassignment of the project, addressed certain plumbing issues ; however, the resulting property damage was not properly remediated. I have been attempting to resolve these issues with GoodLeap and the contractor for several months without resolution. I contacted GoodLeap to request clarification regarding who is responsible for fulfilling the warranty, maintenance, and ongoing service obligations included in the contract. GoodLeap responded and confirmed in writing that : * No contractor is available to provide warranty service or ongoing support * No party is responsible for fulfilling these obligations * I must retain third-party providers at my own expense for maintenance and servicing This directly conflicts with the underlying contract, which includes ongoing service obligations that were part of the financed transaction. As a result : * The contracted services ( 4 years of filter changes and a 15-year subscription ) have not been delivered * There is no provider available to fulfill these obligations * I must now pay out of pocket for services that were included in the original contract * The installation resulted in property damage that has not been properly remediated The system requires regular filter replacements ( approximately every 612 months ), and these services have already not been performed as required. I have only received one filter change, and it has now been over a year. Additionally, the installed system does not appear to have a clearly identifiable brand, manufacturer, or support entity. I have been unable to locate any company responsible for servicing the system or supplying replacement components, which further prevents proper maintenance and use. Additionally, the pricing of the systems installed appears disproportionate to the equipment provided, and sales representations were made regarding water quality that influenced the decision to proceed with the transaction. Despite these issues, I remain obligated to repay the full loan amount. This creates a situation where the loan is tied to a transaction that is partially unperformed and no longer capable of being completed as agreed. I am requesting that this matter be reviewed, and that appropriate relief be considered, including adjustment or rescission of the loan obligation.

Company response to consumer: Closed with explanation