Consumer complaint received 2025-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
Summary : In XX/XX/year>, I financed split-unit XXXX systems for my residence through a home-improvement loan serviced by GoodLeap, LLC. The installation XXXX was XXXX XXXX XXXX XXXX. I was specifically induced to enter the contract based on Toplines representation that the system would include Wi-Fi/phone control via a required bridge device so I could control the units from my cell phone. That feature was material to my decision and pricing. After funding, XXXX failed to provide the required bridge, never delivered the promised Wi-Fi functionality, and also performed work without required permits, resulting in a county Stop-Work Order. I sent formal rescission notices to both XXXX and GoodLeap for material breach, illegality, and misrepresentation/inducement, but GoodLeap continues to bill me. I am requesting immediate cancellation, XXXX release XXXX and credit clean-up. 

Chronology : Inducement & Misrepresentation : Before signing, XXXX represented that the installed mini-split system would be controllable via my smartphone through Wi-Fi. They confirmed they would supply any necessary bridge/hub to make the thermostat wireless. I relied on this representation ; remote control was a decisive feature for me. 
Funding & Disbursement : The loan funded and GoodLeap disbursed proceeds directly to XXXX ( not to me ), tying the financing to XXXX performance. 
Non-Performance of Key Feature : XXXX failed to include the necessary Wi-Fi bridge/hub and XXXX despite acknowledging the omission and promising to order the equipment, never delivered a working solution. The core functionality that induced the purchase never materialized. 
Permit Violations & Stop-Work Order : During installation, XXXX did not obtain required county permits. XXXX XXXX issued a Stop-Work Order, halting the project as unlawful to continue. Topline stated they would eat the fine, yet still did not cure the permit defects or obtain proper inspection sign-off. 
Notice of Rescission ( Material Breach / Illegality / Inducement ) : I sent certified Notice of Rescission for Material Breach and Permit Non-Compliance, identifying ( 1 ) unpermitted work and ( 2 ) failure to provide contracted Wi-Fi functionality. I also sent a demand to cease billing and to remove any lien/UCC filings. 
Continuing Billing / Servicing Misconduct : Despite my rescission and the underlying illegality and misrepresentation, XXXXoodLeap continues to bill me and treat the account as active.

Consumer Harm : I face improper billing and potential credit damage ; I have also had to respond to county enforcement triggered by the contractors unlawful conduct. I did not receive the benefit of the bargain ( promised Wi-Fi control ) and the installation was done in violation of law.

Why this is unlawful : Misrepresentation/Inducement : The Wi-Fi control capability was a material term. I was induced to sign by XXXX representation that the system would be controllable via my phone and that they would supply any needed bridge. That representation proved false ( or never performed ), constituting misrepresentation and breach. 
Material Breach/ Illegality : Performing work without permits and drawing a stop-work order is a material breach and renders the transaction unlawful to perform until cured. The contractors noncompliance defeats the essential purpose of the contract. 
Holder Rule / Servicing : Because this is a consumer credit contract tied to the sellers performance, the creditor/servicer is subject to my claims and defenses against the seller. Continuing to bill after notice of rescission and documented illegality constitutes unfair/deceptive servicing.

Company response to consumer: Closed with explanation