Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against GoodLeap LLC regarding a misrepresented solar financing loan that has caused ongoing financial harm, now compounded by the installer 's bankruptcy. On XX/XX/XXXX, I entered into a {$47000.00} residential solar installation agreement through GoodLeap with XXXX XXXX, XXXX ( Loan Agreement Number : XXXX ), based on promises of at least 40 % energy offset and no more than 60 % grid dependency ( projected at 59 % total offset ). To achieve this, XXXX 's energy consultant specifically recommended and upsized my HVAC system from XXXX to XXXX capacity via a change order dated XX/XX/XXXX, assuring it would seamlessly integrate with the solar panels for optimized savings and reduced grid reliance. The entire package failed to deliver, resulting in 85 % average grid use, higher bills, and no recourse after XXXX 's collapse. As a family of four on a tight budget, this has turned a green investment into a debt trap, straining my finances and delaying recovery efforts. 
What Happened : During XXXX XXXX 's sales consultation, the consultant analyzed my home 's energy profile and pitched the 3.70 kW, 10-panel solar system ( estimated 3,754 kWh annual production ) alongside the HVAC upgrade to a high-efficiency 5-ton unit ( bundled at no added cost, totaling {$47000.00} ). They explicitly stated this combo would cap grid dependency at 60 %, slashing my pre-install monthly bills of approximately {$250.00} by at least {$150.00} ( Exhibit A : XXXX XXXX XXXX XXXX XXXX - Payment History.pdf ( 2 documents ) ; Exhibit B : XXXXXXXX XXXX XXXX  ( 4 documents ) HVAC change order signed by consultant XXXX XXXX, outlining the HVAC-solar synergy for 59 % offset ). GoodLeap 's loan docs referenced these performance warranties but omitted scrutiny of XXXX 's projections, exposing me to risk. Post-install in late XXXX, XXXX monitoring showed 85 % grid dependency despite the upgraded HVAC, yielding just $ XXXX in savings vs. the promised {$150.00}. Tried to reach out to XXXX XXXX our account manager with XXXX XXXX and XXXX XXXX the original solar energy consultant ( Exhibit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX ), but no reply, contacted customer service and I had been issued new account manager since neither XXXX and XXXX worked there any longer. XXXX XXXX new engineer confirmed the system ( including HVAC integration ) is undersized by 18 panels ( {$25000.00} cost ) to meet specs. This breaches implied warranties and TILA disclosure requirements for accurate cost-of-credit projections ( loan at 6.99 % APR over 25 years, with promotional payments of $ XXXX for the first 18 months, rising to $ XXXX ). 
XXXX XXXX XXXX XXXX bankruptcy filing on XX/XX/XXXX ( case # XXXX ), and subsequent liquidation have voided any direct remedies, leaving me solely reliant on GoodLeapthe party still enforcing the loan. 
What I've Tried : Documented the shortfall with bills, app data ( Exhibit D : XXXX XXXX XXXX XXXX XXXX with usage ( 4 documents ) and XXXX enphase usage-production ( 3 documents ) ), and engineer quote ; contacted Shine repeatedly pre-bankruptcy ( Exhibit XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX ) for upgrades, getting only the run around about it. 
Reviewed GoodLeap loan docs ( Exhibit E : Signed agreement, XXXX XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX ) for relief options like assumption or prepayment, but terms don't address performance breaches. As a final informal step, I'm emailing GoodLeap today ( XX/XX/XXXX ) with full details and a resolution demand before escalating. 
Explored bankruptcy claims against XXXX, but the XX/XX/XXXX, bar date passed amid their rapid wind-down, with no notice to customers like me. 
These steps yielded nothing substantive to date, as GoodLeap has not yet engaged on the lender liability for XXXXXXXX XXXXs misrepresentations. 
Impact on Me : Since install, I've absorbed {$3500.00} in excess utilities, with loan payments of $ XXXX ( post-promo period, at 6.99 % APR ) netting a loss amid rising rates far from the net {$40000.00} investment after {$6700.00} federal tax credit. The promised HVAC-solar synergy has backfired, forcing grid over-reliance during brutal summers, diverting funds from family needs or emergencies. XXXX 's bankruptcy in XX/XX/XXXX sparking this escalating ordeal has frozen warranties, adding insult to injury for a setup sold as a perfect efficiency match projected to save {$86000.00} over 25 years vs. grid costs. 
What I Am Seeking from GoodLeap : To resolve fairly and efficiently, my primary request is full loan forgiveness/cancellation of the {$47000.00} balance ( net ~ {$40000.00} after tax credit ), including waiver of any penalties or accrued interest. As alternatives or supplements : 2. Reimbursement for {$3500.00} in excess costs and fees ( including HVAC portion ), or equivalent credit repair.

3. Facilitation of a third-party upgrade to achieve promised performance ( e.g., adding 18 panels for 59 % offset ).

4. Broader remedies under federal consumer laws. 
Attachments total XXXX XXXX Contact me at ( XXXX ) XXXX or XXXX. Please investigate GoodLeap 's role in this solar financing failure to prevent repeats. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Loan # : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation