Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Product : Home improvement loan Company : GoodLeap, LLC Loan Amount : {$16000.00} Date of Transaction : XX/XX/year> Property Location : XXXX XXXX, Texas Complaint Summary I am submitting this complaint regarding a GoodLeap-financed XXXX installation for which the lender closed its inquiry and disclaimed responsibility despite unresolved loan-related compliance issues. The loan was funded based on a project completion certification that does not accurately reflect the work performed, including unpermitted construction, misrepresentation of system efficiency, and billing for work not performed. 

GoodLeap acknowledged receipt of my dispute but subsequently closed the inquiry and directed me to resolve the matter solely with the installer, despite the issues directly relating to loan disbursement and completion certification.

Detailed Description of the Issue 1. Loan Funded Based on Inaccurate Completion Certification The XXXX project financed through GoodLeap was certified as completed, and loan funds were disbursed based on that certification. However, the project was not completed in accordance with contract terms, applicable code requirements, or the equipment specifications represented at sale. 

2. No Permits or Inspections ( Confirmed by City of XXXX XXXX ) I confirmed directly with the City of XXXX XXXX that no XXXX permits or inspections were filed or completed in XXXX for my address. Despite this, permits and inspections were included in the financed scope of work. As a result, the installation is unpermitted and uninspected, and the project could not have been legally completed at the time GoodLeap released funds. 

3. Misrepresentation of Equipment and System Efficiency I was sold and financed a XXXX, XXXX XXXX system. The installed equipment does not meet that representation as a matched system : Outdoor condenser : XXXX Indoor air handler : XXXX, which is not a certified XXXX match and is not equipped with a XXXX as represented and financed SEER ratings apply to matched systems, not individual components. As installed, the system can not achieve the efficiency that was financed. 

4. Billing for Work and Materials Not Installed The contractor billed for and the loan financed multiple items that were not installed, including : Concrete equipment pad XXXX higher-efficiency indoor equipment These items were included in the financed amount despite not being provided.

5. GoodLeaps Closure of the Dispute Despite Unresolved Loan Issues GoodLeap acknowledged receipt of my written dispute and escalated it internally. However, after confirming that I had communicated in writing with the installer, GoodLeap stated via email that it was closing the inquiry and instructed me to continue to work with the installer for mechanical or installation resolution, while advising me to contact GoodLeap only for loan related items.

This position is inconsistent with the facts of this case. The issues raised are loan-related, as they involve : Loan disbursement based on an inaccurate completion certification Financing of unpermitted and uninspected work Financing of equipment and efficiency that does not match what was sold These matters can not be resolved solely between homeowner and contractor because they directly relate to GoodLeaps funding decision and compliance obligations as the loan holder.

Company response to consumer: Closed with explanation