Consumer complaint received 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
This Finance Agreement has been in continued dispute since it was opened on XXXX. XXXX, XXXX, of which the Borrower was never presented with or signed an E-Sign Consent form, which meant that any applicable recission period was not properly provided. And the Finance Agreement for Account Number XXXX is invalid as the XXXX Solar PURCHASE & INSTALLATION AGREEMENT and XXXX XXXX XXXX. Solar Sales Agreement dated XX/XX/XXXX, and Purchase Agreement dated XX/XX/XXXX ( the Contract ) on which Finance Agreement is based were cancelled by the borrower per the terms of each agreement. 

( a ) Pursuant to the referenced agreements XXXX XXXX XXXX XXXX  and its affiliate XXXX XXXX XXXX XXXX and GoodLeap , LLC. ( the Company ) have not performed its material obligations under the ( the Contract ) by failing to deliver and install a power backup solution in the form of a power cell as required as a condition of acceptance by XXXX XXXX ( the Customer ) and as represented and promised by Agents of ( the Company ) that a power backup solution shall be provided as a part of a photovoltaic solar power system ( the System ) and further have refused to abide the terms and conditions of their contracts and the finance agreement for the sale, installation and financing of such. 

( b ) XXXX XXXX XXXX XXXX  and its affiliates XXXX XXXX, XXXX and GoodLeap , LLC. engaged in misleading tactics, fraud and deception to install a photovoltaic solar power system ( the System ) at my homeXXXX and enacted subsequent finance agreement for such against the will and permission of XXXX XXXX ( the Customer ). 

( c ) It was communicated by the Customer to all agents of the ( the Company ) he had contact with that if a power backup solution could not be provided for any reason, that they did not want to proceed with sale or installation of system, this was understood and acknowledged by all parties from the initial sales contact through installation of the system that a power backup solution was a material component of the photovoltaic solar power system ( the System ). Several agents of ( the Company ) provided confirmation of such verbally, by proposal, in plans, and written correspondence. 

( d ) After it was revealed to ( the Customer ) that a power backup solution could not be provided as promised by XXXX XXXX an agent of XXXX XXXX XXXX XXXX ( the Company ) ( the Customer ) initiated BUYERS RIGHT TO CANCEL pursuant to XXXX Solar PURCHASE & INSTALLATION AGREEMENT XXXX. XXXX RIGHT OF RESCISSION AND CANCELLATION and XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX. Customers Termination Rights see Exhibit A these documents were sent via FAX on XX/XX/XXXX to ( XXXX ) XXXX and hard copies were sent via certified XXXX mail to XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX. XXXX, XXXX  XXXX as prescribed. XXXX XXXX and XXXX XXXX, both agents of XXXX XXXX, acknowledged receipt of a formal cancellation request from the ( the Customer ). 

( XXXX ) Nevertheless, while in receipt of the explicit cancellation request of the project ( the Company ) proceeded with installation of the system anyway and when ( the Customer ) protested was verbally threatened with being sued and being responsible for significant fees to include removal of system installed. As a compromise ( the Company ) then promised to provide a XXXX XXXX XXXX : XXXX backup generator to accommodate my request for a power backup solution in exchange for me to retract my cancellation request of which was never retracted. The generator was ordered by an agent of ( the Company ) in their name on or about XX/XX/XXXX from a third-party vendor XXXX XXXX XXXX XXXX XXXX to be delivered to my service address on XX/XX/XXXX. It was further represented by ( the Company ) that the XXXX XXXX XXXX : XXXX backup generator was to be installed by a qualified third-party ( Subcontractor ) provided by ( the Company ) upon delivery as part of the scope of work and included in the contract price of {$41000.00}. This information was confirmed and provided by Agents of ( the Company ) on several occasions telephonically, by text messages and emails. No power backup solution has been provided or installed at the service address as promised by ( the Company ) to date. 

( f ) Additionally, XXXX LED Lights and XXXX Nest Smart Thermostat were also promised in the agreement to be delivered and installed by a qualified third-party ( Subcontractor ) provided by ( the Company ) upon installation and activation of the ( the System ) to date this has not happened. 

( g ) The company is also responsible for damage caused to my roof and driveway during installation of the ( the System ). 

( h ) All efforts on my part to resolve the Breach of Contract related to the sales agreement for which this loan agreement is based through your escalations process have yielded negative results and all attempts to resolve these issue as described remain unresolved while you have repeatedly ignored my numerous requests to officially exercise my rights as prescribed in Clause XXXX of Loan Agreement Number : XXXX as stated in our agreement XXXX. ARBITRATION AGREEMENT. All claims and disputes arising out of or relating to this Agreement ( hereafter, Dispute ( s ) ) shall be resolved by binding arbitration on an individual basis. The arbitrator shall also decide any issues relating to the making, validity, enforcement, or scope of this arbitration agreement, arbitrability, defenses to arbitration including unconscionability, or the validity of the jury trial, class action or representative action waivers ( collectively, arbitrability issues ). 

( i ) GoodLeap LLC. further continues to cause harm by reporting negatively to Credit Agencies that this account is XXXX  days past due, which negatively affects my employment as I work in a sensitive position supporting a US Federal Agency.

Company response to consumer: Closed with explanation