Consumer complaint received 2026-05-19 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: NV

Complaint narrative:
Demand for Loan Rescission : Predatory Oversizing, Failure to Deliver a Functioning Asset, Undisclosed Dealer Fees, and Deceptive Credit Reporting by GoodLeap, LLC I am filing this formal complaint against GoodLeap, LLC regarding two solar installment loans originated in XXXX and XXXX through their authorized dealer and installer, XXXX XXXX, XXXX ( XXXX XXXX ). I am demanding the immediate rescission of my XXXX loan due to extreme predatory sales practices and the failure of their dealer to deliver a functioning product. Furthermore, I am contesting GoodLeap 's deceptive credit reporting and lack of transparent fee disclosures across both accounts. Account Information : Loan 1 ( XXXX ) : Account # XXXX, Principal : {$28000.00}, Interest : 1.48 % ( System Size : XXXX kWp ) Loan 2 ( XXXX ) : Account # XXXX, Principal : {$39000.00}, Interest : 4.99 % ( System Size : XXXX kWp ) Total Debt Financed : {$67000.00} Grievance 1 : Predatory " Oversizing '' and Upselling In XXXX, I financed a XXXX XXXX XXXX XXXX. When I acquired an electric vehicle, I requested a modest expansion. Instead of conducting a proper energy consumption analysis, XXXX XXXX exploited my request to sell me a grossly oversized XXXX kWp expansion for {$39000.00}. This created a massive, predatory total system size of XXXX kWp for a standard XXXX sq ft home. As definitive proof that this expansion was entirely unnecessary and sold under predatory pretenses, I have attached my latest XXXX XXXX bill ( XXXXXXXX XXXX XXXX ). It shows a carryover credit balance of {$1300.00} CR generated solely by my original XXXX kWp system. GoodLeap failed its underwriting duties by funding a {$39000.00} expansion that was nearly 300 % larger than my original system without verifying the utility need. Grievance 2 : Failure to Deliver a Functioning Asset ( Breach of Contract ) Despite paying on the {$39000.00} loan for over 2 years, the XXXX expansion system was never made operational. I have attached a XXXX XXXX aerial photograph confirming the physical installation of approximately XXXX panels on my roof. However, I have also attached a screenshot from my XXXX monitoring portal showing " Site 2 ( XXXX kWp ) '' as " Not Communicating '' with zero production data and no system layout. XXXX XXXX abandoned the project without commissioning it. GoodLeap released {$39000.00} to their dealer for a project that was never completed, turned on, or verified as operational, forcing me to pay for a non-existent benefit. Grievance 3 : Undisclosed and Capitalized " Dealer Fees '' When I was sold these systems, the true cash price was hidden. Upon reviewing the loan agreements, I discovered clauses ( Page 3 of XXXX, Page 4 of XXXX ) stating that GoodLeap charged a fee to the contractor to offer these interest rates, which was then baked into my purchase price. XXXX XXXX and GoodLeap failed to provide a transparent Truth in Lending Act ( TILA ) disclosure itemizing exactly how much my {$67000.00} principal was inflated by hidden dealer/origination fees. I have sent a formal " Demand for Records '' to XXXX ( attached ) requesting these disclosures, but they remain withheld. Grievance 4 : Deceptive Credit Reporting Resulting in Financial Harm GoodLeap secures these loans via a XXXX fixture filing on the panels, not a real estate mortgage. However, GoodLeap reports this massive {$67000.00} debt to the credit bureaus as a standard, unsecured installment loan. Because it is not categorized as property-assessed debt or accompanied by a utility-offset verification, this deceptive reporting has artificially spiked my Debt-to-Income ( DTI ) ratio. This directly resulted in the denial of my recent application for a Home Equity Line of Credit ( HELOC ), causing me tangible financial harm.

Company response to consumer: Closed with explanation