Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
GoodLeap mishandled the transfer of a solar loan into my name after my home refinance, resulting in a false past-due status, withheld credits, contradictory statements, and improper handling of AutoPay. After weeks of unresolved issues, I finally received a response from a Case Managerbut their final decision misrepresents the facts, contradicts earlier written communication from GoodLeap, and closes the case without resolving the errors.

I did not originally open this financingmy ex-partner did. The transfer was required as part of my mortgage refinance.

New Issue : GoodLeaps Final Decision Contains False Statements After I requested a supervisor review, a Case Manager responded and claimed : They can not find conflicting information AutoPay was not set up and therefore they would not credit the discount No interest adjustment is possible No reallocation of the AutoPay payment is possible The case is closed However, all of these points conflict with GoodLeaps earlier written statements, which I still have documented.

Examples : 1. They denied that conflicting information existed but it does.

I received multiple contradictory emails from GoodLeap stating : My bank account was on file Then not on file The XX/XX/XXXX AutoPay payment would be reallocated Then it could not be reallocated AutoPay was active Then AutoPay was never active The Case Manager stated they found no conflicting information, which is demonstrably false.

2. They claim AutoPay never existed, but the payment on XX/XX/XXXX was processed via AutoPay.

GoodLeap processed the prior loans payment using my bank account through AutoPay on XX/XX/XXXX. 
That proves AutoPay was active.

I never unenrolled.

AutoPay dropped only because the loan transfer was retroactive.

Their " final decision '' ignores this and inaccurately blames me for a lapse caused by their system.

3. They claim the refund amount was correct, but it omitted interest.

The refund issued was principal only, even though the payment included interest.

Because they refused to reallocate the payment, they must adjust interest manually.

They refused without explanation.

4. They closed the case while the main issues remain unresolved.

The Case Manager stated they would close the case as final despite : unresolved billing errors an inaccurate past-due balance no adjustment for the AutoPay discount no correction for interest withheld no explanation for contradictory information a faulty claim that no errors occurred This is not a resolution.

Original Issues ( Still Unresolved ) Retroactive account transfer created a false past-due balance The loan was transferred retroactively to XX/XX/XXXX, but I was not given access to the new account until after the due date.

I could not make a payment on a loan I could not access.

GoodLeap is holding me responsible for a system-created delinquency.

GoodLeap dropped AutoPay during the transfer AutoPay was active on the previous loan ( proven by the XX/XX/XXXX payment ).

I did not remove or pause AutoPay.

GoodLeaps system removed it during the transfer, causing me to lose the AutoPay discount.

Contradictory statements about my bank information Multiple representatives told me : The bank account ending in XXXX was on file Then another representative said it was not on file Then they later referenced the same bank account again Contradictions regarding the XX/XX/XXXX payment reallocation One representative stated they submitted a request to reallocate it.

Another later stated it was not possible.

The Case Manager now denies any contradictions exist.

Refund was incorrect ( interest missing ) and not fixable under their system Their system error should not result in a financial loss to the consumer.

Impact on Me False past-due balance Loss of AutoPay discount Loss of interest credit Potential negative credit impact Time spent on repeated unresolved communication Stress and financial harm A final decision email that misstates facts and closes the issue prematurely Why I Am Filing GoodLeaps internal errors, contradictory communication, and inaccurate final decision have left me with a false past-due status, missing credits, and ongoing financial harm. Their refusal to correct these errors, despite documented evidence, makes CFPB intervention necessary.

Company response to consumer: Closed with explanation