Consumer complaint received 2026-05-28 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:
I am submitting this follow-up complaint regarding a solar loan serviced by GoodLeap associated with a solar system installed by XXXX XXXX. This complaint relates to CFPB Complaint No. XXXX, which was previously closed before additional facts and corrective actions could be completed. My original complaint involved concerns regarding misleading sales representations, inadequate disclosure of the financing structure, and a solar system that failed to meet represented production expectations. Since the prior complaint, additional information and developments have confirmed that these concerns remain unresolved. At the time of sale, the financing and solar system were presented together as part of a package that would significantly reduce my electricity costs. The sales representative represented that I would receive a large federal solar tax rebate/refund that could be applied toward the loan balance to maintain the lower payment structure. However, this was not accurately explained. I later learned that the federal solar tax credit depends on individual tax liability and is not a guaranteed rebate amount. This distinction was never properly disclosed during the sales process. The loan was also presented with an initial affordable payment amount, but the consequences of the future re-amortization and resulting payment increase were not meaningfully explained in a way an ordinary consumer could reasonably understand. I now face substantially increased payments tied to a system that continues to underperform. In response to concerns about system production, XXXX XXXX claimed that a tree on my property needed to be removed to improve performance. However, the tree existed before my home was built and before the solar system was designed and installed. The system should have been properly designed with existing site conditions, shading, and obstructions taken into account during the engineering and sales process. I delayed further action in order to remove the tree and evaluate whether production would materially improve. After removing the tree at my own expense, the system production only showed minimal improvement and still does not appear to meet the production expectations represented during the sales process. XXXX previously provided a multi-year production report confirming periods of underproduction and acknowledged delays in providing information. They offered only a nominal settlement, which I declined. Since then, XXXX has stopped responding to my calls and emails regarding updated production reports and system concerns. I have also since learned that XXXX XXXX is reportedly out of business, leaving me without meaningful installer support while I remain obligated on the financing agreement. Although GoodLeap states it is separate from XXXX XXXX, the financing and solar system were marketed together as a single transaction, and the financing was induced by representations regarding system performance, energy savings, and tax credit assumptions that were inaccurate or inadequately explained. I am requesting CFPB assistance and review regarding : Potential misleading or deceptive sales representations tied to the financing agreement; Inadequate disclosure and explanation of the loan re-amortization structure and payment increase ; Misrepresentation of the federal solar tax credit as a guaranteed rebate or payment source; Continued system underproduction despite corrective actions ; Lack of installer support and inability to obtain updated production documentation ; Appropriate relief, including loan modification, mediation, cancellation, or other remedies deemed appropriate. I am prepared to provide supporting documentation, including production reports, utility billing information, communications, and evidence regarding the corrective actions taken.

Company response to consumer: Closed with explanation