Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
GoodLeaps explanation confirms my concern : the system price was increased to cover sellers points, but I was never given a clear breakdown. This is a material disclosure issue under TILA.

GoodLeap states : it can be assumed the pricing for the system included the dealer fee, as well as the cost of financing the solar system rather than purchasing it outright with cash. This statement underscores the core issue with my loan. Assumptions do not satisfy the disclosure requirements of the Truth in Lending Act ( TILA ). I was entitled to a clear and accurate itemization of the amount financed. Without documentation, I can not verify whether the financed amount reflects the actual cost of the solar equipment or whether it was inflated to cover undisclosed dealer fees and sellers points.

Goodleap further explained that XXXX  XXXX XXXX ( XXXX ) paid sellers points to lower my interest rate. While sellers points may be permissible under TILA, their exact cost in dollars was never disclosed to me as the borrower. These points were built into the total system price, directly impacting the amount I financed. I am therefore requesting that GoodLeap disclose the exact dollar amount of the sellers points, the true cost of the solar equipment, and any other fees included in the financed amount. This disclosure is essential to determine whether the amount financed was inflated beyond the fair market value of the system and whether GoodLeap complied with TILAs disclosure requirements. 

With XXXX " explanation of the seller points via copy and paste from another website '' ... It is possible to provide the fair value of this system that I have previously asked for. 

To My Understanding. 
( Seller Points or Percentage of ) x ( Cost of System ) = ( Total Amount XXXX Paid ). 

I managed to get in contact with XXXX to ask how much XXXX paid in seller points and to provide documentation of that transaction and according to XXXX he has XXXX recollection to your statement XXXX. In fact XXXX says Goodleap does no such thing. As its on a recorded line. and say he will have to follow up with you on that. 

So with due diligence can you provide that documentation to me as you stated " Please note, XXXX paid GoodLeap what is legally known as sellers points. 
Does Goodleap not keep records of their own transactions? 
Also, I have asked XXXX to provide me your direct contact since you seem to know alot more than he does, but he says he can't disclose that information. 

With separate contacts it also goes to show that the representatives are not on the same page. Which enables them to provide excuses as one doesn't have the information the other one knows or shouldn't disclose, Vice versa so, it keeps going back and forth. 
I have also asked customer representative to speak to leadership who's above XXXX and XXXX who has all the information but they have refuse to have it escalated. 


In summary, GoodLeap admits it can not produce the original system proposal and can not confirm the system pricing. This admission demonstrates that the loan disclosures were inadequate from the outset and supports my position that the contract was structured to obscure the actual value of the goods financed. GoodLeaps reliance on assumptions and lack of documentation fails to resolve my concerns.

I ask GoodLeap to provide a full itemization of my loan, including : 1. The actual cost of the solar equipment, 2. The exact dollar amount of sellers points, and Thank you for your prompt attention to this request. I look forward to your response. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation