Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
Subject : Fraud, Breach of Warranty, and Unfair Debt Practices by XXXX XXXX XXXX and GoodLeap 1. Summary of Complaint I am filing this complaint against XXXX XXXX XXXX ( XXXX  ) and GoodLeap LLC for fraudulent misrepresentation, breach of warranty, and unfair debt collection practices. XXXX XXXX, now XXXX, sold me a solar system with false promises of energy savings and a 25-year warranty, which it can not fulfill. GoodLeap, the financing company, refuses to cancel the loan tied to this defective system, continues to demand payments, and has placed an unjust UCC lien on my property. Despite XXXX XXXX  voiding the warranty, GoodLeap insists on enforcing the loan, threatening disconnection, legal action, and a charge-off.

2. Detailed Explanation of Violations -XXXX XXXX  Fraudulent Misrepresentation and Breach of Warranty -Misleading Savings Claims : XXXX XXXX sales agents assured me that the solar system would reduce my energy bills by 50 % ( Purchase Agreement, Page 2 ). However, my XXXX  XXXX bills ( e.g., XX/XX/year> : {$560.00} ) show higher costs than pre-solar usage, contradicting their promises XXXX XXXX XXXXXXXX XXXX, Pages 111 ).

- False Tax Rebate Representations : XXXX claimed the federal tax rebate would offset installation costs. The rebate fell short, leaving me with a {$49000.00} loan at 4.99 % interest XXXX Truth in Lending Disclosure, Page 1 ; XXXX  Purchase Agreement, Page 2 ).

-Breach of 25-Year Warranty : XXXX Purchase Agreement ( Page 7 ) guarantees a 25-yXXXX labor and materials warranty. After XXXX  filed XXXX XXXX XXXX ( XX/XX/year> ), they abandoned all obligations, leaving my system inoperable with no recourse for repairs ( XXXX XXXX  Cases Info, Page XXXX ). This constitutes a material breach of contract XXXX Unfair Loan Enforcement and UCC Lien -Loan Tied to a Defective Product : The loan ( GoodLeap Truth in Lending Disclosure ) was contingent on XXXX fulfilling its warranties. XXXX  XXXX voids the systems value, rendering the loan unjust. 
GoodLeap continues to demand payments for a non-functional system.

-Threats of Disconnection and UCC Lien : GoodLeap disconnected my solar panels ( GoodLeap Default Letter , Page 1 ) and placed a UCC lien on my property, despite knowing XXXX  breach invalidates the loans basis. This violates the FTCs prohibition on unfair debt practices. 
-Refusal to Cancel Loan or Remove Lien : GoodLeap ignores my requests to cancel the loan, arguing XXXX XXXX is irrelevant. However, Titans failure to honor warranties directly impacts the loans legitimacy under XXXX consumer protection laws. 

Violations of Federal and State Laws -Truth in Lending Act ( TILA ) : GoodLeaps loan terms ( Truth in Lending Disclosure ) omitted material risks, such as the impact of XXXX XXXX on warranty fulfillment. 
XXXX Warranty Act : XXXX  breach of warranty voids the financing agreement, as warranties were integral to the transaction. 
-Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Both companies engaged in deceptive marketing ( false savings claims ) and abusive debt collection ( UCC lien threats ). 

3. Supporting Evidence XXXX. XXXX XXXX Purchase Agreement ( Pages 2, 7 ) : Warranty terms and payment obligations. 

2.GoodLeap Truth in Lending Disclosure ( Page 1 ) : Loan details and APR. 

XXXX XXXX XXXX  Notice ( Page 1 ) : Proof of Chapter XXXX filing and abandonment of warranties. 

XXXX. NV XXXX XXXX ( Pages 111 ) : Increased post-solar energy costs. 

XXXX. GoodLeap Default Letter ( Page 1 ) : Threats of disconnection and lien enforcement.

Relief Requested : 1. Cancel the GoodLeap Loan and absolve all remaining debt, as the solar systems failure violates the loans original terms.

2. Remove the UCC Lien on my property, as GoodLeap has no legal basis to secure debt for a non-functional system.

3. Prevent Charge-Off and negative credit reporting tied to this dispute. 

4. Investigate XXXX XXXX and GoodLeap for systemic fraud and unfair lending practices. 

5. Conclusion XXXX XXXX and GoodLeap colluded to sell a defective product with false promises, leaving me trapped in a predatory loan. I urge the CFPB to intervene, enforce consumer protections and hold both companies accountable. For quick relief I stopped payments and safely removed and stored solar system for whom ever the loan is tied to can pick up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX currently out of business and filed XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX revoked license and fined XXXX {$400000.00} and XXXX XXXX, NV XXXX deemed a serious public health threat. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation