Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I obtained a solar system loan in XXXX in connection with the installation of a residential solar system sold by a contractor. The loan was for approximately {$43000.00} at an interest rate of about 9.99 % over a long-term repayment period. The solar company that sold and arranged this financing is now out of business. Since the loan began, I have made consistent monthly payments of approximately $ XXXX. However, after nearly XXXX years of payments, my principal balance has not decreased and remains at approximately the original loan amount of {$43000.00}. My account statements show that 100 % of my payments are being applied to interest, with {$0.00} applied to principal. This loan appears to be structured in a way where interest accrues daily and payments are applied to accrued interest first, resulting in a situation where payments do not reduce principal for an extended period of time. This was not clearly explained to me at the time of sale. I was not adequately informed that I could make payments for years without reducing the principal balance. I also was not clearly informed that a large upfront payment ( approximately 30 % of the loan amount ) would effectively be required in order for the loan to amortize normally. I have attempted to understand this issue and requested clarification regarding how payments are applied, why my principal has not decreased, and whether there are options to adjust the loan terms. I have not received a satisfactory explanation or resolution. In addition, I have experienced issues with the solar system itself that required service or follow-up. At the time of sale, I was told the solar company would provide ongoing support and address any issues with the system. However, the company is now out of business, and I no longer have access to the promised support or service. Because the financing was directly tied to the purchase and installation of this system, I am left with both an unresolved product issue and a loan obligation. Given that this is a bundled transaction, and considering the holder rule provisions that apply to this type of consumer credit contract, I believe the lender/servicer shares responsibility for the deficiencies in how this loan was presented and how it is functioning. Given the circumstances, I am requesting that the lender/servicer take meaningful corrective action to address both the loan structure and the failed underlying transaction. This loan has resulted in me making years of payments without any reduction in principal, and the solar provider associated with this transaction is no longer in business, leaving me without the support and services that were part of the original agreement. Accordingly, I am requesting a substantive resolution, including but not limited to : * Re-amortization or restructuring of the loan so that payments immediately and meaningfully reduce principal * A reduction in the interest rate and/or adjustment of terms to reflect the lack of clear disclosure and the current performance of the loan * Consideration of a reduction in the principal balance due to the failure of the overall transaction and the absence of the original solar provider * Assistance or remediation options related to the solar system, given that the installer is no longer available to provide promised support If a reasonable resolution can not be reached, I request that this matter be escalated for further review, as I believe this loan and the associated transaction raise serious concerns regarding fairness, disclosure, and consumer protection.

Company response to consumer: Closed with explanation