Goal Structured Solutions, LLC

I am submitting a complaint regarding an unresolved billing dispute with XXXX XXXX related to my solar lease account. On XX/XX/year>, I submitted a dispute regarding an improper ACH debit attempt in the amount of {$190.00}. The authorized monthly payment under my lease is {$190.00}, or {$180.00} with the automatic payment discount. The {$190.00} debit does not match either amount. This improper debit caused a returned payment and resulted in NSF and late fees being added to my account. On XX/XX/year>, I submitted documentation, including my bank statement, showing the {$190.00} debit attempt. On XX/XX/year>, I paid the base past-due amount of {$170.00}, which the company has acknowledged receiving and applying to my account. On XX/XX/year>, the company responded but did not address the {$190.00} debit amount and instead provided a general explanation of payment terms.…

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I dispute the servicing and payment application on my solar loan. My loan began on XX/XX/year> with an original balance of {$25000.00}. For a long period, my payments were applied entirely or almost entirely to interest, and my principal did not decrease as expected. I sent a written dispute requesting a full XXXX amortization schedule, complete transaction history, payoff statement, and an explanation for why principal was not reduced. The company did not provide an adequate explanation and only provided a limited XXXX amortization sample. I want a full life-of-loan accounting, written explanation of the payment application, correction of any misapplied payments, recalculation of the principal balance if necessary, and a corrected payoff statement.

In XX/XX/XXXX I entered into a solar financing agreement arranged through the XXXX XXXX XXXX / XXXX XXXX. The system was financed for approximately {$51000.00} through XXXX Bank and is currently serviced by Launch Servicing. The solar system initially produced power as expected. However, on XX/XX/XXXX the system stopped producing energy entirely. The XXXX monitoring system shows that the site is still communicating but not producing solar power. The application specifically instructs the homeowner to contact the installer for service. The installer responsible for the sale and installation of the system, XXXX XXXX XXXX XXXX, has since gone out of business. Because the installer is no longer operating, there is no XXXX available to repair or service the system. At the time of sale, the solar XXXX represented that the system would eliminate my electric bill and could generate credits for excess electricity.…

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I am submitting this report to formally document and dispute the presence of a student loan account that I do not recognize or recall authorizing, which I recently discovered on my credit report. I became aware of this account upon reviewing my credit history, where an unrecognized student loan appears under my name. I did not take out, authorize, co-sign, or otherwise consent to this loan, and I do not recognize the listed servicer or account details. The appearance of this account has negatively impacted my credit history, including my credit score and overall credit profile. Given the seriousness of unauthorized financial accounts, I am concerned that this may be the result of a reporting error or potential identity misuse.…

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Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Report Items To Whom It May Concern : I am writing to dispute multiple inaccurate and potentially fraudulent late-payment entries on my XXXX credit report ( dated XXXX XXXX, XXXX ). The report shows the following negative tradelines, all of which I believe are in error or fraudulent : Auto Loan XXXX XXXX : XXXX missed payments ( account closed ). Credit Card XXXX : XXXX missed payments ( account closed ). Student Loan XXXX : XXXX missed payments ( currently late ; account not opened by me and appears to result from identity theft ). I did not receive any billing statements or delinquency notices for these accounts. In fact, I never opened an account with XXXX and therefore suspect identity theft. These tradelines are being reported without my knowledge or proper validation, in violation of federal law.…

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The loan was originally taken out for my education at The XXXX XXXX XXXX XXXX, which is now no longer in business and was subject to multiple predatory lending lawsuits. I have been making payments on this loan, with extraordinary high interest rates ever since. The loan was then transferred from XXXX XXXX XXXX XXXX XXXX Launch Servicing , LLC. Launch Servicing , LLC claims that I have " used up '' all of my payment deferments and denied my request to delay my payment date. I have absolutely no record of my deferments that I have used, therefore, I can not even verify if this is in fact accurate. I do not understand why I should continue making payments to a company for an institution that is no longer active, thus making my degree I earned essentially useless.…

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I am the primary borrower on a private educational loan serviced by Launch Servicing , LLC, related to an XXXX continuing education program. On XX/XX/XXXX, and XX/XX/XXXX, I notified the program and servicer of financial hardship due to delayed XXXX benefits, utility hardship, and loss of income. I formally requested forbearance options and hardship assistance before the account became severely delinquent. I was instructed to request forbearance through the Launch Servicing portal. I submitted multiple written hardship and forbearance requests through the portal in XX/XX/XXXX and XX/XX/XXXX. I have attached copies of those communications. Despite these documented attempts, I did not receive timely processing or written confirmation of hardship approval. The account was subsequently reported to XXXX as 60 days delinquent on XX/XX/XXXX. I made good faith efforts to request a hardship review before the account reached serious delinquency.…

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Starting XXXX XXXX I requested deferment for my account due to qualifying terms on my contract. I have been met with continous delaying tactics and false collection attempts from Launch Servicing as they attempt to collect undue payments from me. They continue to send me delinquency letters even though I am over paid on my account.

Update to Existing Complaint Continued Collection Activity After submitting my original complaint and after Launch Servicing LLC received my written debt validation request and dispute on XX/XX/year>, the company continued collection activity. Specifically, Launch Servicing LLC placed multiple telephone calls to me on XX/XX/year>, at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX. A voicemail was left during the XXXX XXXX call stating that I should contact them or update my communication preferences. I did not answer these calls and did not speak with any representative. These calls occurred while validation was pending and constitute continued collection activity after a written dispute, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting CFPB assistance to ensure collection activity ceases and my dispute is handled in compliance with the law.

The solar panels were never installed properly according to the electric company. We can't get a copy of our contract. The panels were never serviced. We never received any tax credit although the company said we would. No reduction in our XXXX bills. The company that supposedly sold the panels went bankrupt and I have spent countless hours trying to get this straightened out with no resolution. The credit company they hired " XXXX XXXX '' has transfered me to XXXX different people including their maintenance company and no one will give me any answers. Horrible company with XXXX service except trying to make me pay for something that doesn't work

I am formally disputing a solar lease buyout amount ( Agreement # XXXX ). The current lessor, XXXX XXXX, and their servicer, Launch Servicing , LLC, are demanding a full buyout price of {$27000.00}. However, they have notified me in writing that they have unilaterally " eliminated '' the core XXXX XXXX from my contract, citing XXXX 's bankruptcy. This breach has caused me a documented {$1300.00} annual financial loss in energy true-up bills because the system is underperforming. I have attempted to resolve this through XXXX XXXX # XXXX, providing a XXXX notice of intent to adjust the price to reflect this lost value. The company has failed to provide a revised quote or address the loss of service while still demanding full payment. I am requesting an adjusted buyout quote that accounts for the diminished value of the system.I am seeking a revised, fair-market buyout quote that is reduced by the value of the voided XXXX XXXX and the damages I have incurred.…

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This is a follow-up to my previous complaint regarding a {$10000.00} loan originated by XXXX XXXX and serviced by Launch. While XXXX responded by stating they are not the servicer, Launch has continued to treat this loan as non-dischargeable despite clear evidence that no educational services were rendered. Key Facts : I signed the enrollment contract with XXXX XXXX on XX/XX/2025. I withdrew on XX/XX/2025, accessing course materials, or receiving mentorship. I was in the process of filing for XXXX XXXX bankruptcy, which was discharged on XX/XX/2025. The contract ( attached ) outlines a {$10000.00} tuition but includes no refund policy for early withdrawal or non-attendance. I have requested confirmation from both the school and XXXX regarding whether the funds were disbursed and/or refunded. I have received no documentation in return. Why This Loan Should Not Be Collectible : If the funds were never disbursed or were refunded, the loan should not exist.…

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I AGREED TO COSIGN FOR MY GRANDSON FOR A CLASS HE WANTED TO TAKE FROM A ONLINE SCHOOL CALLED XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WE GOT THE LOAN AND A MONTH LATER THE SCHOOL CLOSED. I CALLED THE LOAN COMPANY TO MORE UNDERSTAND WHAT WAS NEXT, AND THEY KEPT TAKING MONEY OUT OF MY ACCOUNT XXXX IN WHICH I ASK IN XXXX OF XXXX FOR A DEFERMENT UNTILL THEY OR WE WORKED SOMETHING OUT AS TO HOW I CAN STILL OWE XXXX DOLLARS FOR A COURSE IN WHICH MY GRANDSON DID'NT RECEIVE AS OF XXXX XXXX MY DEFERMENT IS UP FOR ASCENT FUNDING, AND WONDER HOW MANY OTHERS HAS THIS HAPPENED TO AS WELL. ARE SOME OF THESE LOAN COMPANIES INVOLVED IN THIS SCAM OF LOANING MONEY TO THESE BAD SCHOOLS.

Complaint Narrative I am a XXXX California resident disputing a XXXX loan serviced by Launch Servicing LLC for XXXX XXXX XXXX XXXX XXXX installed at my rural home in XXXX XXXX, California XXXX The original solar installer is out of business. The system has experienced serious and ongoing failures, including a complete shutdown, malfunctioning XXXX XXXX and XXXX panels producing substantially less energy than designed. The system has never operated at full promised capacity. Due to the lack of service support, I was forceddespite my age and medical conditionsto climb onto my roof myself to perform emergency repairs during winter freezing conditions to avoid losing heat. I live alone on a ranch, approximately XXXX hour from the nearest hospital, and this situation posed a serious risk to my health and safety. My physician is aware of the XXXX XXXX this dispute has caused and has instructed me not to perform repairs, yet no service assistance has been provided.…

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FOLLOW-UP TO COMPLAINT # XXXX - SERVICER REFUSING TO HONOR FTC HOLDER RULE I XXXX filed CFPB complaint # XXXX regarding my Ascent Funding private student loan for XXXX. The company closed my complaint without addressing their legal liability. I am filing this new complaint with additional evidence. LOAN DETAILS : - Loan originated : XX/XX/XXXX - Original amount : {$21000.00} plus {$1000.00} origination fee ( {$23000.00} total ) - Interest rate : 12.50 % - Current payoff amount : {$35000.00} ( as of XX/XX/XXXX ) - Lender : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Launch Servicing - Account # XXXX, Loan # XXXX THE FTC HOLDER RULE NOTICE IS IN MY CONTRACT : My Credit Agreement ( Section XXXX, Page XXXX ) contains the required FTC Holder Rule notice stating : " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF.…

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A residential solar Power Purchase Agreement ( PPA ) was entered into in XX/XX/year> for a Texas property. The consumer is now deceased. I am the court-appointed executor of the estate. The estate is insolvent and has no available funds to satisfy unsecured contractual obligations. After the consumers death, I notified the company and its servicer, Launch Servicing , LLC, of the death and the estates insolvency. Despite this notice, the company continued to treat the account as a living borrower obligation and repeatedly stated that the only options were to bring the account current, request a buyout, or transfer the agreement. These demands were made even though the estate lacks assets and has not assumed or reaffirmed the contract. In written communications, Launch Servicing identified itself as a debt collector attempting to collect a debt.…

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Subject : CFPB Complaint Student Loan Related to Closed School ( XXXX XXXX ) I am submitting this complaint regarding a private student loan serviced by XXXX XXXX that was issued solely for my enrollment in XXXX XXXX. XXXX XXXX has ceased operations and is no longer providing instruction or access to the program I enrolled in. As a result, the school is unable to fulfill its contractual obligations, and I am unable to complete or continue the education for which this loan was issued. After contacting XXXX XXXX, I was granted a three-month forbearance while they investigate the schools closure. During a follow-up call, I was informed that there were no updates yet and that the investigation was still ongoing. However, I have since received notice that my loan is scheduled to return to repayment on XX/XX/year>, despite the investigation remaining unresolved. I believe it is inappropriate to resume repayment while a school-closure and breach-of-contract review is still pending.…

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I completed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) which included a career guarantee. I secured employment as a Web Designer in Kansas XXXX in XX/XX/XXXX, fulfilling the guarantee terms. In XX/XX/XXXX, I was involved in an automobile accident. My employer initially allowed me to work from home while my car situation was resolved. When my insurance company determined my car was totaled, I informed my employer. I was terminated shortly after ( XX/XX/XXXX ) due to my inability to commute to the office. I have documentation of this termination and the accident. My first loan payment of {$750.00} is due XX/XX/XXXX. I can not make this payment. I have contacted XXXX XXXX and XXXX XXXX multiple times. On XX/XX/XXXX, XXXX XXXX denied further deferment stating I have exhausted my postponement time and provided a PDF explaining the denial. They directed me to contact the school regarding the career guarantee.…

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I've attempted to reach out to this company because this isn't my debt because inever set up a student loan with a private student loan agency. i also attemt to dispute this debt on several occassions and i don't know how it's being verfied because the number in the system isn't correct no one answers the phone. i'm requesting for this to be removed because it's not owed by me because i never went to their school or rceived any funds from them. i also complained to

I withdrew from my XXXX program which triggered all but {$1300.00} of the original loan amount to be cancelled. Despite this, my loan servicer ( XXXX XXXX / XXXX XXXX ) is accruing and capitalizing interest as if the full approved amount ( ~ {$13000.00} ) were outstanding. My account currently shows : Unpaid principal at repayment : {$1400.00} Estimated capitalized interest : {$3300.00} At a fixed interest rate of 12.5 %, interest on a ~ {$1400.00} balance from XX/XX/XXXX to XX/XX/XXXX would be a few XXXX dollars, not several XXXX. The interest shown is mathematically impossible unless interest is being calculated on non-disbursed funds. Under the Credit Agreement, interest may accrue only on the principal amount actually disbursed and outstanding from time to time. Charging interest on amounts that were approved or certified but never disbursed violates the contract.…

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I was sold a solar loan based on representations that my payment would remain approximately {$120.00} per month if I applied the federal tax credit. I was not informed that the payment would permanently increase if the credit was less than expected. The tax credit was significantly lower than represented, making the required {$8000.00} principal payment impossible. As a result, my payment increased to over {$180.00} per month, creating severe financial hardship. I support an XXXX family member living in the home and already carry mortgage and rent obligations. The servicer has assessed late fees and reported delinquency, damaging my credit, despite my good-faith efforts to pay. I am requesting hardship accommodation, removal of negative credit reporting, and a loan review consistent with fair lending and consumer protection standards.

I am being contacted by debt collectors for a loan through XXXX XXXX for XXXX XXXX, even though I was withdrawn from the program and did not receive the services the loan was intended to cover. I applied for the program and the loan approximately one year ago. To my knowledge, the loan was never finalized. I later received an email stating that I had been withdrawn from the program. Despite this, XXXX disbursed the loan funds to XXXX XXXX. XXXX has informed me that XXXX XXXX has the funds. XXXX XXXX has not refunded the disbursement or notified XXXX of my withdrawal, which violates their own policies regarding early withdrawal and loan handling. I am requesting : A full investigation A temporary halt to collections Confirmation of the disbursement date Correction or cancellation of the loan Refund of any improperly disbursed funds from XXXX XXXX back to XXXX This situation is causing financial harm and inaccurate reporting.

We contracted a solar system lease in XXXX, CA with XXXX through XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. Our system was installed XX/XX/XXXX, but did not go online until the end of XX/XX/XXXX. After barely 5 months of operation, the 2 batteries went completely dead at the end of XX/XX/XXXX, after our system had only been operational since XXXX XXXX. After endless searching, because of XXXX bankruptcy, no one could tell me who was responsible for servicing the batteries, which, by our contract, could not be serviced by just anyone, but only by the company holding our lease and its contract. On XXXX XXXX, XXXX, XXXX XXXX sent me an email notice about our XXXX XXXX contract with XXXX regarding the terms of payment. They included this information : " Your program provider has partnered with Launch Servicing , LLC to service your account. Launch Servicing , LLC is required by state law to notify consumers of the following rights.…

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I am filing this complaint because the information being reported on my credit file for an education loan serviced by LaunchServicing is inaccurate, and the company failed to properly investigate the dispute I previously submitted. I disputed the late payment history because the dates and severity of the delinquencies are not accurate. The account is reporting multiple XXXX, XXXX, XXXX, and XXXX day late payments that do not match my actual payment history. The furnisher also added the remark dispute resolved reported by grantor, even though the errors were not corrected. After submitting my dispute through the credit bureaus, the furnisher verified the information without providing any explanation or documentation to support their reporting. Their response consisted of stating that they do not delete late payments as a policy, rather than addressing whether the information is accurate or providing proof of the reported delinquencies.…

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My loan is currently subject to an active CFPB complaint against the school ( XXXX ). As part of that complaint, XXXX XXXX has formally confirmed that a full refund has been initiated, the account will be brought to a {$0.00} balance, and that the loan servicer ( Launch Servicing ) was instructed to bring the account current and suspend any collection activity. Despite this, I continue to receive overdue and delinquency notices from Launch Servicing. These notices directly contradict the companys formal CFPB response and place improper pressure on me while a refund and dispute are in progress. I am concerned that Launch Servicing has failed to update the account status internally, has not honored the dispute/refund status, and continues automated collection activity during an active investigation.…

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On XX/XX/year>, I contacted the loan servicer because my loan balance had unexpectedly increased and I needed information about their two-payment re-age / delinquency-cure option. I was unable to reach anyone by phone despite multiple attempts and long hold times, so I emailed them requesting clarification of the payment plan and instructions for bringing the account current. Within minutes, the company replied that the inbox was not monitored and instructed me to call instead, even though I had already explained that calling was not possible due to dropped calls and excessive hold times. I responded immediately and again requested written clarification of the repayment arrangement. The company then sent an automated message acknowledging my request, assigning a ticket number, and stating that my inquiry was being reviewed. They advised me not to include sensitive information and to wait for their response.…

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I am writing in response to your letter stating that refund check was reissued on XX/XX/year>. I want to be explicitly clear : I am not in possession of refund check, and I have never received it. The issue is not whether or when the check was mailed. The issue is non-receipt. As of today, the check remains outstanding, has not cleared, and has not been returned to your organization. This matter has been unresolved since XX/XX/year>. To avoid any misunderstanding, I am stating the following facts clearly : I did not receive refund check I am not in possession of the check. Because I do not have the check, I am unable to cash, deposit, or return it. Confirming the date the check was mailed does not resolve the non-receipt of funds. I have also included documentation showing established payments, and tracking from the postal service for the dates of the mailing I received from Launch as well as a confirmation for missing mail request.…

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In XX/XX/year>, I finacned a solar installation through a loan originally issued by XXXX XXXX and now serviced through Launch Servicing. The solar installation was sold and arranged by XXXX XXXX. At the time of the sale, XXXX XXXX represented the system cost in a way that led me to believe the full price was standard for the market. I now know that the price I was financed for ( {$42000.00} for a XXXX system ) is more than 2.5x higher than the typical market cost for the same size system. I would not have agreed to the loan if the pricing had been accurately disclosed or explained. Industry-standard pricing in Virginia for residential solar systems of this size is roughly $ XXXX {$3.00} per watt, with the high end around {$4.00} per watt. My contract works out to {$5.00} per watt, which is {$16000.00} - {$20000.00} above normal market value. I recently discovered that another customer was quoted approximately {$18000.00} for a system comparable to mine.…

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I took out and paid in full a student loan through XXXX XXXX XXXX XXXX Launch Servicing LLC to pay for Devslopes, a computer coding program. I was rushed to complete the loan application by a XXXX employee, who completely misrepresented the program offerings, including services such as mentorship, career growth opportunities, and promised support. Mentors were frequently changing, making guidance inconsistent and hard to get. I experienced unfair and dishonest practices throughout my time as a student. XXXX has since ceased operations, and has not yet offered refunds or any further information regarding their failure to provide-in-full the services as outlined in Service Agreement. I am requesting a refund of my XXXX XXXX XXXX and an investigation into the unethical and misleading practices by XXXX. I have submitted a claim with the lender to initate the refund.

I was unemployed when I was targeted by a deceptive job posting on XXXX that led to a so-called 100 % job placement program offered by XXXX XXXX XXXX XXXX XXXX XXXX This group misrepresented itself as a legitimate school and pressured me into a private student loan originated by XXXXXXXX XXXX XXXX XXXX XXXX ) and serviced by Launch Servicing LLC. The program delivered no legitimate XXXXXXXX XXXX training, no placement ever occurred, and was declared complete while I remained unemployed. I attempted to exit the program three times : the first time I was told Id owe {$12000.00}, and the other two times I was ignored. I have a recording of XXXX XXXX instructing me to contact the creditor for alternative payment options clear evidence of coordination between the scam group and the financial entities. Launch Servicing responded to CFPB Complaint # XXXX stating that a refund is pending. This is misleading. XXXX XXXX is not a legitimate school and has not issued any refund.…

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