Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX to submit for multiple loans in order to create a budget for replacement of energy efficient items, home remodel, and the addition of an ADU. We had no contact with Goodleap at any point in the application process regarding process, how the loan would work, or any verifications. Within 2 days approximately 30 people descended on our home and started the removal of the roof and existing solar panel system. During this activity 2-3 lenders did call, we can not confirm which lenders because at this point we did not know who had approved loans & the work was only started so there was no completions to approve. We were confused by the fact that we had no actual plans or estimates. Due to the manner in which the dealer/merchant withheld information, we were not aware that we had been approved for 10 loans over 7 lenders totaling {$67000.00}. We thought that they wouldn't possibly use all that budget because that was an excessive amount. Fraudulent certificates of completion were submitted to the lenders on or about XX/XX/XXXX, and the lenders released the approved loan totals all at once. We were not made aware of this. We did not sign any completion certificates because on XX/XX/XXXX, no work was completed. Moreover, we have learned that the energy efficient items that were completed ( without estimates or approvals ) were submitted on multiple completion certificates to multiple lenders. Goodleap never verified us as clients. Goodleap never verified accuracy of the completion certificates. Goodleap never verified work that was or was not done. Given the amount of debt & the abandonment of the projects, we reached out to Goodleap as the promotional rate periods were coming to an end & because of the non-performance of the work for which funding was intended. We were very worried about the payments that were coming due, & the interest that would begin to accrue, & the damage to our credit in light of monies or work we never received. The lenders all sent the money directly to the merchant XXXX XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX. We called Goodleap on XX/XX/XXXX and spoke to XXXX to file a dispute. The bottom line is that Goodleap sent full funds to the merchant, not me or my spouse, without verification of actual work done or costs. It is unbelievable to us that Goodleap works with their merchants in a manner that leaves the homeowner completely unprotected. Goodleap provided for a process that gave the merchant the ability to have an unchecked blank check that was facilitated through what we believe to be identity theft & an unverified process of gross misrepresentation of a major home project and how funds would be used. Since filing the complaint we provided many details and proof of work done or not done. Goodleap did put the payments on hold. Even though we submitted many details, Goodleap continued to ask for the same information. It seems they completely ignored our various submissions and regardless of our proof, Goodleap started to send demand for payment and to destroy our credit. We provided detail that refuted the fraudulent completion certificates that the merchant submitted in XX/XX/XXXX. We suspect that completion certificates were part of the high-pressure rushed XXXX " application '' process or our signatures were lifted & forged onto completion certificates. We never saw a listing of what items or projects were submitted to each lender. Please note ; we, along with 11 other families are victims of this very same process over the same window of time. We find that we have limited recourse. Because of the destruction of our credit we can not afford counsel. The lender sent all money to the merchant without any verification. The details of this situation by multiple victims shows a pattern of fraud, forgery theft, identity theft, wire fraud, and money-laundering. In late XX/XX/XXXX, an unfiled copy of a Summons and Complaint was delivered to our home. In XX/XX/XXXX we filed with the XXXX against the merchant and they have stated in their investigation of the various families involved that there is a clear pattern of criminal activity. We will continue to pursue our rights with all agencies and departments that look into these matters. We also filed with the XXXX. We also feel that these types of lenders use the complexity of the processes to manage this type fraud and misconduct to their advantage to add to the victimization of homeowners as in these cases. XXXX XXXX was assigned our case and made aware that the XXXX was investigating the dealer/merchant and that various vicitms has loans with XXXX that have suffered the same fraud. Goodleap continues to aggressively seek payment for monies we did not receive. Attached is also a communciation from XXXX XXXX ( XX/XX/XXXX ) of the dealer where she has requested cancellation of the loan on or about XX/XX/XXXX. The dealer on a few occasions claimed that they would cancel the loans. We do no have proof of any cancellations. We believe this was also a false start like the work they said they would do for which they paid themselves on XX/XX/XXXX. This is emblematic of the fact that the parties that the lender sent the money to did not fulfill thier obligation and stole the money.

Company response to consumer: Closed with explanation