Consumer complaint received 2024-12-17 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: MD

Complaint narrative:
I initially entered into a purchase agreement with XXXX XXXX XXXX on XX/XX/XXXX for solar installation of XXXX panels at my home located at XXXX XXXX XXXX, XXXX, Maryland XXXX. The total amount was {$XXXX}. See XXXX XXXX dated XX/XX/XXXX. 

Subsequently after an official site inspection, XXXX XXXX XXXX determined that the number of solar panels that would be needed would be reduced. Therefore, a revised purchase agreement with XXXX panels was presented to me for review and signature and was executed on XX/XX/XXXX for a total of {$XXXX}. See XXXX XXXX dated XX/XX/XXXX. 

After waiting on approvals XXXX XXXX permits, electric company permission to operate, XXXX XXXX applications, etc., I was scheduled to have my solar panels installed on XX/XX/XXXX. A few weeks prior to the scheduled installation, I sent emails inquiring about the monthly payment for the revised loan since I hadnt received a disclosure statement or any amortization schedule and received no response. On XX/XX/XXXX when the installers arrived and before allowing them to initiate installation, I sent an email requesting verification of the revised loan and current monthly payment to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. See Email exchange with XXXX XXXX dated XX/XX/XXXX. He confirmed that the {$XXXX} loan was the current revised loan with approximate monthly payments of {$XXXX} ( months XXXX ) and {$XXXX} ( months XXXX ), with consideration of incentives back into solar system. After his confirmation, I allowed the solar panels to be installed. 

Approximately, a week or so after installation, I received a welcome email with registration instructions from XXXX. I registered and noticed that the loan amount that they had was the initial loan amount of {$XXXX} instead of the {$XXXX}, which I had gotten confirmation from XXXX XXXX. I told XXXX of the discrepancy and was instructed to contact XXXX. I sent an email to the Good Leaps Client Support XXXX, XXXX XXXX. He gathered all the information and said that he would reach out to XXXX XXXX to figure out the discrepancy. XXXX suggested for me not to make any payments of the account until the discrepancy was resolved. 

Subsequently, XXXX and I had a number of email exchanges as well as telephone calls from approximately early XX/XX/XXXX until XX/XX/XXXX with claims of him waiting for updates from XXXX, with sometimes no responses, numerous collection calls from XXXX XXXX XXXX, threats to shut down my system and erroneous credit card reporting of {$XXXX} loan amount and missed payments. 

On XX/XX/XXXX, I finally got an email from XXXX XXXX from XXXX XXXX that had an Addendum attached. See XXXX. The addendum was contradictory in general in that some of the clauses had payments for the discrepancy being made to the XXXX XXXX and then another clause with payment being made to me purchaser for the error, with no specific timeframe for the actual payment either way. I pointed out the inconsistencies and changes that needed to be clarified and made before acceptance of the XXXX to XXXX XXXX from XXXX XXXX who was now handling the matter. XXXX, like XXXX, would provide me, either voluntarily or after several calls or emails initiated by me, with periodic updates informing me that the matter is still being reviewed between XXXX and XXXX XXXX. At XXXX point, I heard nothing else from XXXX XXXX ; the last contact from XXXX being an email from XXXX on XXXX. See Email exchange with XXXX XXXX, XXXX. 

In early XX/XX/XXXX, I received notification that XXXX XXXX had filed XXXX  and will no longer be operational. I also received information regarding a warranty to submit for continued coverage of the solar panel system in light of XXXX XXXX XXXX. I filled out and returned accordingly. 

On XXXX, I sent an email to XXXX XXXX, his XXXX, XXXX XXXX and Good Leaps consumer complaints department summarizing all the events, notice of XXXX XXXX XXXX, indicating that I still hadnt gotten any resolve, with continued threats of shutdown of my solar panel system and negative credit reporting from Good Leaps Collections dept. See Email to XXXX XXXX, XXXX XXXX and Good Leaps Consumer Complaints department, XXXX. 

On XXXX, I received a call from XXXX XXXX, XXXX Bilingual Client Support Project XXXX indicating that he was responding to my XXXX email regarding the discrepancy issue. He also informed me that XXXX XXXX was no longer with XXXX and he would be assisting me going further. He asked me to send some substantiating emails regarding the issue and I did. He said that he is currently going through XXXX  emails and it would help if I sent what I had. I told him that XXXX XXXX received a disclosure statement of any form of amortization schedule for the revised loan amount. He forwarded me an undated welcome letter and a disclosure statement that had a monthly payment of {$XXXX} starting XXXX until XXXX and then adjusted to {$XXXX} for the initial unrevised {$XXXX} loan XXXX XXXX later XXXX that this welcome letter attachment was sent to me XXXX, and there wasnt a physical copy but only an email sent to me. He indicated that XXXX sends only electronic notices unless otherwise requested. See Email from XXXX XXXX, dated XXXX. 

At this point, XXXX XXXX was the only point of contact, with periodic updates informing me that XXXX would be reviewing and working on a solution. It was even suggested to have me reapply for the loan. Ironically, It was subsequently denied due to the negative reporting and missed payments from XXXX. He indicated that XXXX upper execs will be working on a solution. 
On XXXX, XXXX called me to inform me that the XXXX team will be making an adjustment on the loan and asked if anyone contacted me. I told him I hadnt heard anything from anyone prior to this call. I told him that I needed it in writing and that I needed the credit reporting corrected. I informed him that I needed him to terminate the threats to shutdown the system, negative credit reporting and Collections department calls. He said that I shouldnt be receiving those and he would work out a solution. I then received notices from XXXX XXXX department indicating that my extension request ( unbeknownst to me ) had been granted with the latest XXXX being extended until XXXX. See Email from Collections dept, dated XXXX. 

On XXXX, I received an email from XXXX XXXX from XXXX Account XXXX department indicating that the credit reporting concerns had been corrected to the credit reporting agencies with a correction to the current principal balance as well. I sent a response email indicating that I also needed an update disclosure statement and or amortization schedule to reflect the corrected principal amount. On XXXX, I received an email indicating my email was received and that their team will be reviewing the details with an update to be expected to me within XXXX business days. See Email exchange from Account XXXX, dated XXXX. 

Currently, this is the last communication from XXXX regarding this issue.

Company response to consumer: Closed with explanation