Description

I am reporting what I believe to be a fraudulent and deceptive financing scheme involving Sunrun Inc., its representative Richard Lacagnina, and GoodLeap LLC. The transaction concerns a solar installation and loan agreement dated March 21 2024 at my residence in Baldwin, New York. Although Sunrun and GoodLeap have both claimed to have investigated my allegations, their responses have been misleading and incomplete. The contract and loan were procured through misrepresentation, forgery, and coercion, and the investigation itself appears to have been compromised. 1. System Failure and False Representations Soon after installation I reported that the system was not functioning. A Sunrun representative told me on a recorded call that “sometimes the systems do not work, and Sunrun cannot control that.” This admission contradicts the sales promises that the system would reliably offset my utility bills and be monitored by Sunrun. 2. Lack of Consent and Forged Signature The financing required confirmation from both borrowers, myself and my brother. He never participated in any verification call, never communicated with the salesperson, and never consented to the use of his Social Security number. The GoodLeap loan was executed using an email address, [email protected], that has no connection to my brother as he did not have access to it. At the time the document was allegedly signed, my brother was in Atlanta, Georgia, in a meeting with approximately 25 people, proving he could not have executed any electronic signature. 3. Sunrun and GoodLeap Staff Participation During my subsequent complaints, Sunrun associate Sarah Paniss and GoodLeap associate Christian Murray claimed that they had conducted a full investigation and had spoken directly with salesperson Richard Lacagnina Jr. (“Rick”). A source within Sunrun later confirmed that no such interview ever occurred. Their statements to me were therefore knowingly false and appear intended to obstruct a legitimate fraud inquiry. I also formally requested the DocuSign envelope history and audit trail for Envelope ID D5FA56B2-8D5B-4E46-88BD-EB18D211827C, including IP addresses, timestamps, email headers, and authentication events. Both Sunrun and GoodLeap refused to provide this information, even though it would conclusively prove that the signature originated from an IP address unrelated to us. This refusal to disclose critical evidence further supports the conclusion that the contract cannot withstand scrutiny. 4. Harassment, Duress, and Coercion Mr. Lacagnina repeatedly contacted and pressured me by phone, text, and unannounced visits, even approaching my neighbors when I did not respond. He told me I “had no choice” but to proceed. Such coercion deprived me of free will; agreements executed under duress are unenforceable (Totem Marine Tug & Barge v. Alyeska Pipeline Service Co., 584 P.2d 15 (Alaska 1978)). 5. Misrepresentation of Cancellation Rights The Sunrun contract permitted cancellation before construction, but Mr. Lacagnina falsely claimed cancellation was no longer available. That constitutes material misrepresentation, rendering any alleged consent invalid (Sabo v. Delman, 3 N.Y.2d 155 (1957); Danann Realty Corp. v. Harris, 5 N.Y.2d 317 (1959)). Even if the contract states otherwise, the sales rep stating such still amounts to material representation as the contract's terms does not negate Rick's actions in enforcing the contract. 6. Exploitation of Vulnerability At the time of sale, Mr. Lacagnina knew that my brother and I were coping with our father’s death and recent home purchase during the COVID-19 pandemic. He exploited this vulnerable period to secure signatures and financing we did not authorize. 7. Representative’s Criminal History Public FINRA BrokerCheck records show that Richard Lacagnina Jr. pled guilty on December 3, 2002 to violating New York General Business Law §352-C(6) (a Class E felony) and received five years’ probation. It is deeply concerning that Sunrun employed an individual with a prior financial-crime conviction to solicit consumer loans.