Consumer complaint received 2025-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Fraudulent Solar Panel Financing Dear Consumer Financial Protection Bureau, I am writing to formally request your legal assistance regarding a fraudulent debt situation involving XXXX XXXX, a solar panel installation company, and GoodLeap, a finance company. I have been unknowingly placed into a loan exceeding XXXX XXXX dollars without my full knowledge or consent, which I believe constitutes fraud. 

Background of the Issue On or around XX/XX/year>, a representative from XXXX XXXX, XXXX XXXX, visited my home to introduce the companys services. A few days later, he returned with his supervisor, XXXX XXXX, who provided an overview of the solar installation process. During subsequent visits, she demonstrated how the system would generate and store electricity, mentioned potential buyers for excess energy, and assured me of government subsidies and additional benefits. 

She presented a draft contract on her computer and asked me to read it. I explicitly requested a hard copy for a thorough review, as I was unfamiliar with the logistics of solar financing. She assured me she would guide me through any unclear portions and emphasized that the contract process had not yet been finalized. My daughter even offered to print the contract so I could review it carefully before signing. However, XXXX XXXX never returned to continue the discussion. 

Fraudulent Contract Execution Unbeknownst to me, my name was fraudulently affixed to the contract without my explicit consent. I did not sign any final agreement, nor was I allowed to review the financing terms before the contract was finalized. This is an outright case of fraud, as I was under the impression that a contract only takes effect when both parties sign itnot when one party misrepresents the others consent. 

Despite my repeated attempts to contact XXXX XXXX for clarification, she ignored my calls and messages, later claiming she was ill. Shortly thereafter, XXXX XXXX mobilized a crew to begin installation at my house without my authorization. I was unable to stop the workers, as they insisted that the contract had already been signed and they were simply following orders. However, the printed draft I received clearly stated that work would not commence until both parties had signed the contract. 

Financial Irregularities and Unauthorized Deductions Before disappearing, XXXX XXXX issued me a check for {$1000.00} as an " incentive '' to encourage approval of the project. I now realize that this was a deceptive tactic to trap me into an illegitimate agreement. More disturbingly, I never provided my banking details to XXXX XXXX or GoodLeap, yet GoodLeap has begun withdrawing loan payments from my account. I never signed a contract with GoodLeap, and to date, no solar power has been connected to my home. Nevertheless, they have made XXXX unauthorized deductions from my account, which I believe constitutes financial fraud. 

Furthermore, I was initially told that the solar installation would reduce my monthly electricity costs. However, my average electricity bill was previously {$150.00} per month over XXXX XXXX, while GoodLeap 's loan agreementof which I was unawarenow requires me to pay {$170.00} per month. Worse still, after XXXX XXXX, this amount will increase to {$250.00} per month for the remaining XXXX XXXX  of the loan. These are conditions I was never made aware of and would have never agreed to if properly informed. 

Request for Assistance Given the fraudulent nature of this transaction, I am seeking your assistance in : Nullifying the fraudulent contract with XXXX XXXX. 
Removing the unauthorized solar panel installation from my property. 
Canceling the illegitimate loan agreement with GoodLeap. 
Holding XXXX XXXX and GoodLeap accountable for their deceptive business practices. 
I was never allowed to negotiate or approve the loan terms, and my identity was misused to execute the contract without my informed consent. I urge your office to take immediate action against these companies to prevent them from exploiting other consumers in a similar manner. 

Please let me know if you require any additional information. I can be reached at ( XXXX ) XXXX or XXXX. 

I sincerely appreciate your time and assistance in this urgent matter. 

Best regards, XXXX XXXX.

Company response to consumer: Closed with explanation