GreenSky, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 33027	Web
OnXX/XX/XXXX I contacted XXXX XXXX of XXXX florida for an estimate to remodel 2 bathroom showers. The Owner, XXXX XXXX, came out onXX/XX/XXXX and gave me an estimate for the job. I asked if they offered 3rd party financing and he stated they used a company known as greensky credit which offered 18 months of no interest finiancing. The contract price that XXXX XXXX gave me was for {$12000.00}. I submitted my credit information online to grensky credit for {$12000.00} and I was approved for {$12000.00}. A week later, on XX/XX/XXXX I sent XXXX XXXX an email stating that I wanted to change 2 things on the showers. Instead of covering up both windows in the shower, I want to keep them exposed. He never responded to the email nor did he ever call me saying there would be any change in price or any additional fees. 3 weeks went by of no communication from XXXX XXXX, so on tuesday, XX/XX/XXXX, I called XXXX XXXX and asked for an eta for installation. He said he would call me back with an eta but never did. Again I called XXXX XXXX on XX/XX/XXXX and was again told he would call me back with an eta for installation, but never did. On XX/XX/XXXX I sent XXXX XXXX an email asking for an eta for installation. He never responded. I sent another email on XX/XX/XXXX, stating that if I did not hear from him that I wanted to cancel the job. again he never responded. Finally on XX/XX/XXXXI sent XXXX XXXX a XXXX message asking for an eta for installation and if I didnt get a response that I was gon na cancel the job. His wife, XXXX who is also part owner of XXXX XXXX responded with an eta for installation on XX/XX/XXXX through XX/XX/XXXX. I responded to the email on XX/XX/XXXX stating that I wanted to cancel my order as I was never told installation would be so far in the future. I contacted greensky credit on Wednesday,XX/XX/XXXX and filed a dispute and the case was given to XXXX XXXX. I also filed a XXXX XXXX XXXX Dispute, case # XXXX. On Friday, XX/XX/XXXX, I sent XXXX XXXX, emails of communication with XXXX XXXX and pictures of both contracts from XXXX XXXX. Finally XXXX Said that I could not cancel my order as there was nothing on the contract stating eta for installation plus XXXX XXXX had already ordered parts that could not be returned and that I had to give XXXX XXXX the oppurtunity to do the job. After weeks of communication with XXXX XXXX at XXXX XXXX, their installers finally came out to my house and performed the remodel onXX/XX/XXXXwhich included removal of the master bathroom shower walls, bathtub and spare bathroom bathtub and shower walls and installation of the new shower walls and bathtubs, along with glass doors. As I was out of town for the week, When I got home on XX/XX/XXXX, I inspected the work and noticed multiple issues. Both Shower glass doors didnt fully close, had gaps at the tops, both shower glass doors would roll back open when closed, the shower base had a major creaking noise from the center of the shower when you would stand on it, window trim kits were not level, the sealant bead around the shower walls was seperating in multiple areas, there was a loud popping noise from the center of the shower in the spare bathroom after taking a shower. I immediately sent the owner, XXXX XXXX a text message with pictures of all the issues. XXXX XXXX sent their installers back out on XX/XX/XXXX to fix the initial issues but created a bunch of new issues. Horrible sealant beads through out both shower door rails, instead of running a new sealant bead and removing the old sealant bead, they just put a second layer on top of the first that was done horrible, installed shims behind the shower glass door rails to place the rail closer to the door, put a hole in my wall outside of the spare bathroom leaving the broken pieces of the wall inside the wall and then spraying a foam inside the wall around the shower base to try and cover up the noise, then placing a cheap vent cover on the wall instead of fixing the wall correctly and painting it. All of this information was sent to XXXX XXXX via text message to the owner, XXXX XXXX and again I Contacted XXXX XXXX at greensky via email onXX/XX/XXXXand told her I wanted to dispute the entire transaction. I sent her over multiple emails from XX/XX/XXXXthroughXX/XX/XXXX. Sent over a bunch of emails with pictures, videos of the issues including the form left behind by the company for me to sign which gave them permission to charge my account which I never signed. Once again was told by greensky credit, via XXXX XXXX, they I had to let the contractor ( XXXX XXXX ) try and resolve the issue. So the owner of XXXX XXXX, XXXX XXXX and his wife, XXXX XXXX, came out to my home onXX/XX/XXXX for me to show them all of the issues done by their installers. XXXX XXXX assured me, via text message, that all of these issues would be resolved. Finally, XXXX XXXX sent their installers out for a third time on XX/XX/XXXX They replaced the spare bathroom bath tub and redid all of the other issues that I had addressed to them. The Owner, XXXX XXXX, sent me various pictures showing that all issues were fixed. When I got home, found multiple problems after. Numerous scratches on the walls, numerous scratches on the shower rails, crack in the tile floor, back shower glass door in the spare bathroom did not slide along the shower door rail, both shower heads in both showers loose in the walls, a piece of wood shoved behind the shower door rail in the master bathroom to try and move the rail closer to the shower door to correct the gap, and still did not correct the loose walls in the master bathroom, sanded down a section of the wall in the spare bathroom to correct a humb in the wall but never offered to repaint. At this time, I started to contact both the manufactures of the shower doors and the shower wall companies that the contractor used to ask if the job was being done correct. Sent Various pictures and emails to XXXX XXXX at XXXX XXXX, the manufacture of the shower doors and rails that XXXX XXXX uses and emails with pictures and videos to XXXX XXXX at XXXX XXXX, the manufacture of the shower walls in which XXXX XXXX uses. I Recieved emails back from both manufactures that XXXX XXXX was not doing the job correctly and lying about certain repairs that they claimed were recommended repairs from both manufactures. XXXX XXXX at XXXX XXXX confirmed that Installing a piece of wood to gap out the shower rail was not a recommended repair. He said to fix out of square conditions in the wall, They supplied a ripped filler. XXXX XXXX at XXXX XXXX told me the issues I was having with the walls being loose were due to installation and not the product. I sent all of these emails to XXXX XXXX as I wanted my money back. XXXX XXXX also advised me to get a second opinion, in writing, from another bathroom contractor of all the mistakes and issues created by XXXX XXXX. OnXX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX who came to my home and put in writing, 2 contracts, all the issues created by XXXX XXXX and everything needed to correct the issues and these were emailed to XXXX XXXX on XX/XX/XXXX. I was told by XXXX that all of this info would be forwarded to the dispute team at greensky credit. My dispute was handled by XXXX XXXX at Greensky credit. During the Entire time of my dispute, I never once heard anything from XXXX XXXX regarding my dispute. I spoke to XXXX XXXX regarding the claim onXX/XX/XXXX and was told she would call me back on Monday,XX/XX/XXXX with an update but never called me. I sent XXXX XXXX Emails on XX/XX/XXXX andXX/XX/XXXX asking for updates to the case at which time she did not respond to either email. Finally on XX/XX/XXXX, I recieved an email from XXXX XXXX at greensky credit that greensky investigated my dispute and determined that all of my issues and disputes with the merchant needed to be directly worked out with the merchant and that greensky would not help out. Now here are my issues. First, I applied for the loan with greensky credit for {$12000.00} on XX/XX/XXXX and was approved for {$12000.00}. Sometime between XX/XX/XXXXand XX/XX/XXXX my account limit with greensky went up from {$12000.00} to {$13000.00}. This was the {$700.00} difference for the window trim kit needed to allow for my windows in both showers to still be visible. My huge problem is, never once was I told their would be an additional {$700.00} charge for this Window Trim kit, nor did I ever give XXXX XXXX authorization to request, through greensky credit, an additional {$700.00} through my credit. I complained about this in the dispute through greensky credit, but it was never addressed. The second issue is, onXX/XX/XXXXthe installers for XXXX XXXX left me a borrower payment certificate to sign. This stated that I acknowledge reciept of the greensky installment loan agreement with the lender, I instruct the lender to disburse to contractor the proceds of this agreement in the amount specified below, and that I confirm there has been satisfactory delivery of all equipment, goods and services by the contractor and if any installation was included in the contract, there has been satisfactory completion of such installation. I have never signed this agreement. I still have the original copy that I never signed. I sent an email to XXXX XXXX on wednesday XX/XX/XXXXspecifically asking her what the purpose of this agreement is and sent her a picture of it. She replied on XX/XX/XXXXthat this is my signed authorization for the merchant to process transactions on my account. So if I have never signed this, why has XXXX XXXX been allowed to process {$12000.00} without my authorization and then submit my credit information for an additional {$700.00} without my authorization???? When I called greensky credit on Thursday,XX/XX/XXXXto again ask this same question, I am now being told this form is used when the merchant wants to make additional charges to the account after the purchase window has closed. That makes no sense as nowhere on the form does it state anything about additional purchases. I sent XXXX XXXX an email on Wednesday XX/XX/XXXX for her to call me to discuss this form. She called me on Wednesday, XX/XX/XXXX and told me she would look up the form and call me back on Thursday, XX/XX/XXXXbut refuses to call me. I again emailed her on Thursday, XX/XX/XXXXwith a copy of the sheet, but she will not call me back. I believe greensky credit realizes they have dropped the ball on this entire transaction but refuse to acknowledge it and refuse to make it right. Since I started disputing these claims back in XX/XX/XXXX, Every phone call to Greensky credit goes nowhere. I am always told someone would call me back but no one ever does. I am also told conflicting information by different employees. My third issue is the only reason I applied for the loan through greensky credit is because XXXX XXXX along with greensky credit, offered 18 months of no interest financing. What I was never told before I applied for the loan is that interest accumulates at the beginning of the first transaction which makes paying this loan off, in full, during the 18 months near impossible. The purpose of a 18 month interest free loan is exactly like it says, to not charge any interest for 18 months. I have made 9 payments since XX/XX/XXXX, totaling {$2700.00}, my balance started off at {$13000.00}, after {$2700.00} payments my balance should be {$10000.00}. But instead its over {$13000.00}. So basically all I have been paying is interest which is a complete lie to what I applied for. Now I have to take out a seperate loan to pay this one off as I was lied to about the details of the loan. And I dont see any of this untill a few weeks after I applied for the loan. My Fourth issue is I believe XXXX XXXX is not a Licensed Business. XXXX XXXX claims to carry Florida License # XXXX as shown in the emails to me, but when this number is entered into the florida Dept. of business and Professional Regulations website, no such license number exists. Nothing on their contracts show any license information nor do they show any warranty information nor any cancelation policy or any information for that matter. According to Florida Law 501.031, XXXX XXXX should of had in writting, on the contract next to my signature, a written notice of my right to cancel. Both contracts should of also of had an explanation of my rights to cancel. non of this is on either of the 2 contracts I signed. I have requested multiple times to cancel this job even before it started. Each time being told I cant because there is nothing about it on the contract. According to florida law, Failure to include specific disclosures in a home improvement finance contract is a violation of Florida Statutes 520.73. Also according to florida law, Failure to include the disclosures required by 12 Code of Federal Regulations 226.15 extends the right of rescission to three years ( rather than three days ). As of right now, sunday,XX/XX/XXXX my 2 showers still have the same issues as they did from the last time XXXX XXXX came out on XX/XX/XXXXand have not been corrected. Some of the original issues have returned. The sealant bead around the base in the master bathroom is starting to open up again due to the loose walls. The shower floor on the master bathroom shower is starting to creak again when standing on. I have explained to greensky credit, on multiple occassions, why must I continue to be forced to do business with a contractor, who greensky uses and provides financing too, that has not been doing the job correctly, plus did not do the contract correctly. I have supplied, on several occasions, muliple emails with pictures, videos of all the issues. Supplied Greensky credit with emails from the manufactures that XXXX XXXX is not doing the installation correctly. I supplied Greensky credit with 2 estimates from a second bathroom company of everything done wrong by XXXX XXXX and what needed to be done to correct it. The only response I get from greensky is to deal directly with the merchant. I have given XXXX XXXX 2 oppurtunities to make this right after the initial visit for installation. I have contacted XXXX XXXX again by email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to correct these issues and they are blowing me off. Since XXXX XXXX has already been paid for this job, they dont care anymore. I am asking greensky credit to refund me in full the {$2700.00} I have so far paid and clear my remaining balance to XXXX as I have not authorized any transactions at this point, this been proven by the borrow payment certificate that I have never signed. Also Considering the contract that XXXX XXXX wrote up did not contain my right to cancel as a buyer. I refuse to be told by a finance company that I have no recource against a contractor ( WHO GREENSKY USES ) who is not doing the job correctly, and is not writting up their contracts correctly, this after providing multiple documents showing proof. If I would have known that greensky does not monitor the contractor 's quality of work, I would have never signed up for this loan. Again, information I did not see untill after applying for the loan and getting it in the mail. I want my money back and balance placed to XXXX so I can find another company who can come out and do my bathroom remodel with no issues.
03/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80220	Web	Servicemember
Open account with GreeSky months ago to finance a home project. Since the account has been open I have attempted to make payments online but their system will allow such transactions. The company has been contacted several times in references to this matter but to date it has not been corrected. Due to their failure to correct the problem my credit rating has resulted to 90 points less. The company has reported 90 days plus delinquent repayment 's. XXXX -- -- -Original Message -- -- - From : XXXX XXXX [ mailto : XXXX ] Sent : Friday, XX/XX/XXXX XXXX AM To : XXXX , XXXX XXXX Subject : RE : [ EXTERNAL ] RE : Payment [ ref : XXXX : ref ] XXXX XXXX, Please contact our office so that this matter can be discussed. Thank you, XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX, XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX PM To : XXXX ; XXXX Subject : RE : [ EXTERNAL ] RE : Payment [ ] Please be advised that accordingly an email were sent to respected parties concerning this matter today ( XX/XX/XXXX ). I stated when the email that your company reported a 30 plus day delinquent payment. As a direct result of the adverse reporting it caused a 90 point drop in my credit score. I would like to for this matter to be corrected first. Making a payment is not a problem but my credit score needs to be corrected. I look forward to your cooperation. -- -- -Original Message -- -- - From : XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX , XXXX XXXX Subject : [ EXTERNAL ] RE : Payment [ ] XXXX XXXX, I hope this email find you well. I have tried to reach you via phone without success in reference to assisting you with making a payment. Please contact our customer service line at XXXX to make a payment or you can mail it to : XXXX XXXX XXXX XXXX GA, XXXX Thank you, XXXX XXXX GreenSky Customer Solutions Advocate -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX, XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : RE : [ EXTERNAL ] RE : Payment [ ] Again, I need to make a payment towards this account. From : Ecorr [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : [ EXTERNAL ] RE : Payment [ ] Hello, Thank you for reaching out to us. In order to preserve the security of our customer 's accounts, we must first confirm that we are answering account specific inquiries for Account Holders and Authorized Account Contacts themselves, therefore we kindly request that you contact us at your earliest convenience at the number listed below. One of our customer service representatives will be delighted to further assist you with this matter and any other questions or concerns you may have. We apologize for any inconvenience this may have caused you. If you have any questions or require further assistance, please contact us at ( XXXX ) XXXX. Best Regards, GreenSky Credit Customer Service Ph : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX, XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Payment Below, please note a credit alert that originated from your company. The transaction clearly shows an adverse credit report issue. I have attempted several times to make an online payment but continued to be rejected from the transaction. Again, in a " good faith effort '' I am asking that your company made all necessary adjustments to accept the online payment process. I look forward to your cooperation. Best regards, __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ This page is secure Sign Out XXX: XXXX> My Account - XXXX XXXX Last Signed In : XX/XX/XXXX [ Inline image name : XXXX ] [ Inline image name : XXXX ] OVERVIEW MY ACCOUNT HELP PRODUCTS Credit Lock Status Status : Report unlocked Lock Report Processing ... Please allow 48 hours to process your request. Locking and unlocking your XXXX credit file could take up to 48 hours. Please bookmark www.trustedID.com as this is how you will log in to your product moving forward. 1. Credit Report Alerts 2. XXXX Credit Report 3. SSN Scanning 4. ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE [ Inline image name : XXXX ] Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE BRAND XXXX XXXX XXXX XXXX XXXX, GA N/A N/A $ N/A [ Inline image name : XXXX ] Updated tradeline XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A Unsecured $ USD XXXX [ Inline image name : XXXX ] Updated tradeline XXXX XXXXGREENSKY XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX/GREENSKY XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A N/A {$7100.00} [ Inline image name : XXXX ] New tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX, GA [ Image removed by sender. ] ref : XXXX : ref _____________________________________________________________________ From : XXXX, XXXX Sent : Tuesday , XX/XX/XXXX XXXX XXXX To : XXXX Subject : Account XXXX XXXX XXXX XXXX I called your company today ( XX/XX/XXXX ) at XXXX XXXX in references to a statement. The statement are indicating I owe a payment however, GreenSky website will not allow me to make one. During the conversation today I was told that the loan was in a dispute. I was put on hold for an extended period of time and the phone system disconnected. I would appreciate if someone would contact me in references to this issue. An email was sent onXX/XX/XXXX but no one responded. Thanks, _____________________________________________________________________ From : XXXX, XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Payment Below, please note a credit alert that originated from your company. The transaction clearly shows an adverse credit report issue. I have attempted several times to make an online payment but continued to be rejected from the transaction. Again, in a good faith effort I am asking that your company made all necessary adjustments to accept the online payment process. I look forward to your cooperation. Best regards, __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ This page is secure Sign Out My Account - XXXX XXXX Last Signed In : XX/XX/XXXX OVERVIEW USER INFORMATION MY ACCOUNT HELP PRODUCTS Credit Lock Status Status : Report unlocked Lock Report Processing ... Please allow 48 hours to process your request. Locking and unlocking your XXXX credit file could take up to 48 hours. Please bookmark XXXX as this is how you will log in to your product moving forward. Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A N/A $ N/A Updated tradeline GS LOAN XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A Unsecured $ USD XXXX Updated tradeline XXXX XXXXGREENSKY Experian XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX/GREENSKY XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A N/A {$7100.00} New tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX, GA N/A N/A $ USD XXXX New tradeline XXXX XXXXGREENSKY XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX/GREENSKY XXXX XXXX XXXX XXXX XXXX XXXX, GA From : Ecorr [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : [ EXTERNAL ] RE : Payment [ ref : XXXX : ref ] Hello, Thank you for reaching out to us. In order to preserve the security of our customer 's accounts, we must first confirm that we are answering account specific inquiries for Account Holders and Authorized Account Contacts themselves, therefore we kindly request that you contact us at your earliest convenience at the number listed below. One of our customer service representatives will be delighted to further assist you with this matter and any other questions or concerns you may have. We apologize for any inconvenience this may have caused you. If you have any questions or require further assistance, please contact us at ( XXXX ) XXXX. Best Regards, GreenSky Credit Customer Service Ph : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX, XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Payment To Whom It May Concern- I have made attempts to make a payment on account no. XXXX XXXX XXXX XXXX but are not able to make the transaction. This is the second email I have sent without a reply asking for assistances. Thanks, ref : XXXX : ref _____________________________________________________________________ From : XXXX, XXXX Sent : Friday , XX/XX/XXXX XXXX XXXX To : XXXX Subject : Payment To Whom It May Concern- I have made attempts to make a payment on account no. XXXX XXXX XXXX XXXX but are not able to make the transaction. This is the second email I have sent without a reply asking for assistances. Thanks, _____________________________________________________________________ From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX, XXXX XXXX Subject : [ EXTERNAL ] RE : Email reply Hi XXXX XXXX, It appears that your desired resolution is to restart the loan. Is that correct? If so, will this resolution resolve all of your concerns? If not, please advise. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email contains information from GreenSky, LLC which may be confidential and privileged. The information is intended to be for the use of the individual ( s ) named above. If you are not the intended recipient, please be aware that any disclosure, copying, distribution or use of this email and its contents is prohibited. If you have received this email in error, please delete it and notify us by e-mail immediately. LICENSES : NMLS # XXXX ; CT XXXX ; NJ MT # XXXX XXXX From : XXXX, XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX XXXX Subject : Email reply External Email Message! Please proceed with caution. If you believe this email to be malicious, please click the PhishMe button. XXXX XXXX- I still have not received from XXXX XXXX concerning the issue about the payment plan. According to XXXX XXXX, I was told that GreenSky and I would be able to establish a payment plan. It appears I was given the wrong information since he refuses to respond to the email. Thanks, _____________________________________________________________________
12/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NC 280XX	Web
XXXX XXXX XXXX Re: Formal Complaint Regarding Incomplete Contract Work This letter serves to highlight a number of protracted issues that have developed between the undersigned a customer and the XXXX XXXX and which requires urgent managerial intervention. It was agreed by home depot to the effect following work in my North Carolina home- Flooring Kitchen cabinet re-modelling Work on the flooring was scheduled to start on the XXXX of XXXX XXXX with an estimated timeframe of 5-7 days to complete. The remodelling of the kitchen cabinet was scheduled for between XXXX XXXX XXXX to start and complete the entire process. The work to date has not been completed despite 23 store visits, serval trips from CT to North Carolina, telephonic complaints (I have spoken to XXXX XXXX, XXXX XXXX XXXX XXXX, and customer services) your telephone recordings will verify my statement and I have also emailed my complaints. In addition, despite the numerous complaints, home depot has failed to refund me for unused material, neither was credit awarded to me for 49 boxes of first material and 38 boxes second returned unused material. The present situation is tantamount to the breach of contract, not only in the incompletion of contracted work, but also with the sub-standard quality of the work done so far. Another compelling example of shoddy work, are damages to my wood trim all around, because it is over cut. Home depot must ensure that the shoddy work be corrected, and the incomplete section of job be completed without further delay. On the basis that XXXX XXXX has not completed the work it was contracted to do, I have been forced me to live another State, as it is not feasible for me to live in an incomplete house. This has resulted in me suffering significant economic loss. XXXX XXXX tardiness has also inconvenienced me, and in the process cost me unbudgeted expenses that I have incurred, which have taken a toll of my family and myself especially my young children. The situation has being further compounded by XXXX XXXX, which has unjustifiably overcharged me for items that fixed prices were determined and paid for which as reflected on the electronic receipts, (Appendix 1 and 2) for work that is still yet to be completed. HXXXX XXXX inability to complete the contracted, coupled with the unbearable inconvenience and out of pution of this seemingly intractable situation within 72 hours of receipt of this letter. I will forward! Sincerely Yours XXXX XXXX: This is a living nightmare. I am SUFFERING AND IN XXXX XXXX AND XXXX A message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Parents, We invite all families to our Open House on Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX In an effort to help with traffic congestion, we are asking families with last names beginning A-M to attend between XXXX XXXX XXXX XXXX and families whose last names begin with N - Z to attend between XXXX XXXX XXXX XXXX. Should you have a conflict and need to come to Open House at the alternate time, that is fine as we want all students to have the opportunity to pick up their schedules and to meet their teachers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [EXTERNAL] Install inspection [ XXXX XXXX XXXX XXXX XXXX XXXX Mon XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX); +2 more Sent Items Get XXXX for XXXX XXXX XXXX XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXXXXXX XXXX To: XXXX Subject: FW: [EXTERNAL] Install inspection [ XXXX ] Please forward to XXXX XXXX You can select reply all instead of just reply. Thanks, XXXX XXXX XXXX XXXX Customer Solutions Advoc II XXXX XXXX This email contains information from XXXX XXXX which may be confidential and privileged. The information is intended to be for the use of the individual(s) named above. If you are not the intended recipient, please be aware that any disclosure, copying, distribution or use of this email and its contents is prohibited. If you have received this email in error, please delete it and notify us by e-mail immediately. XXXX XXXX XXXX XXXX; NJ MT XXXX XXXX From: XXXX XXXX XXXX Sent: Monday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Subject: Re: [EXTERNAL] Install inspection [ XXXX ] External Email Message! Please proceed with caution. If you believe this email to be malicious, please click the PhishMe button. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Automatic reply: XXXX XXXX letter XXXX XXXX XXXX Reply\| XX/XX/XXXXXXXX XXXX You Flag for follow up. I am on vacation until Tuesday, XX/XX/XXXX If you need immediate assitance, please reach out to my peer, XXXX XXXX. His email is XXXX Thank you, XXXX XXXX XXXX XXXX To: Whom it May Concern Date: XX/XX/XXXX Re: Breach of Contract The following list highlights the breaches of the contract that was entered into on the XX/XX/XXXX between XXXX XXXX XXXX, and XXXX XXXX XXXX regarding construction and remedial work to the abovementioned property. The initial contract estimate to do the scope of the work contained in Appendix A below. XXXX XXXX and XXXX XXXX XXXX has failed to do the following from the original scope: Incomplete flooring and cabinetry Staircase falling apart . Nosings squeaking and moving Kitchen cabinet drawers Incomplete shoes molding Damage trim that were over cut while installing new flooring. Inconveniences and Additional Costs In lieu of the breach of contract, I have had incur extra costs to . Several trips to your store . Plane tickets . Taxi . Travel expense Rent hotel Rent storage unit/s To contract another company to carry out corrective work due to mistakes by XXXX XXXX XXXX Unnecessary bank charges for transfers of payment ect REFUND FROM LEFT OVER AND UNSED MATERIALS. FYI. I will be in on the XXXX through the XX/XX/XXXX Sincerely Yours .. XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX From: XXXX XXXX Sent: Monday, DXX/XX/XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer_Care Cc: XXXX Subject: RE: [EXTERNAL] Install inspection [ XXXX ] Good Afternoon XXXX, I just spoke to our mutual customer XXXX XXXX today. She stated that she has not heard back from XXXX XXXX Can you please reach out to her today at phone number XXXX or by email XXXX Thank you, JXXXX XXXX XXXX Customer Solutions Advoc II XXXX XXXX This email contains information from XXXX XXXX which may be confidential and privileged. The information is intended to be for the use of the individual(s) named above. If you are not the intended recipient, please be aware that any disclosure, copying, distribution or use of this email and its contents is prohibited. If you have received this email in error, please delete it and notify us by e-mail immediately. XXXX XXXX XXXX XXXX NJ MT XXXX XXXX To: Whom it May Concern Date: XX/XX/XXXX Re: Breach of Contract The following list highlights the breaches of the contract that was entered into on the XX/XX/XXXXbetween XXXX XXXX XXXX and XXXX XXXX XXXX regarding construction and remedial work to the abovementioned property. The initial contract estimate to do the scope of the work contained in Appendix A below. XXXX XXXX and XXXX XXXX XXXX has failed to do the following from the original scope: Incomplete flooring and cabinetry Staircase falling apart . Nosings squeaking and moving Kitchen cabinet drawers Incomplete shoes molding Damage trim that were over cut while installing new flooring. Inconveniences and Additional Costs In lieu of the breach of contract, I have had incur extra costs to . Several trips to your store . Plane tickets . Taxi . Travel expense Rent hotel Rent storage unit/s To contract another company to carry out corrective work due to mistakes by XXXX XXXX XXXX Unnecessary bank charges for transfers of payment ect REFUND FROM LEFT OVER AND UNSED MATERIALS. FYI. I will be in on the XXXX through the XX/XX/XXXX Sincerely Yours .. XX/XX/XXXXCT XXXX Cell #XXXX From: XXXX XXXX Sent: Monday, XX/XX/XXXXXXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer_Care Cc: XXXX Subject: RE: [EXTERNAL] Install inspection [ rXXXX ] Good Afternoon XXXX, I just spoke to our mutual customer XXXX XXXX today. She stated that she has not heard back from XXXX XXXX Can you please reach out to her today at phone number XXXX or by email kaXXXX Thank you, XXXX XXXX XXXXy Customer Solutions Advoc II XXXX XXXX This email contains information from XXXXXXXX XXXX which may be confidential and privileged. The information is intended to be for the use of the individual(s) named above. If you are not the intended recipient, please be aware that any disclosure, copying, distribution or use of this email and its contents is prohibited. If you have received this email in error, please delete it and notify us by e-mail immediately. Manager refuses to fix problem on XX/XX/XXXX Finalizing Your Installation Tomorrow XXXX XXXX Wood Installation When: Tue 1XX/XX/XXXX (All day) Where: XXXX XXXX XXXX XXXX XXXX NC XXXX Your schedule is confirmed. Prior to the installation, please make sure to review the installation checklist below. ref:_00D50JUFY._50050xVP9D:refXXXX XXXX XXXX Floor Covering Installation Manager (XXXX XXXX , NC XXXX Confirmation Number:XXXX Your Wood Surface installation date is confirmed. XXXX XXXX Tuesday, XX/XX/XXXX Add to Calendar Preparing for Your Installation Please refer to our Installation Prep Check-Lis Your XXXX XXXX Project Hi XXXX XXXX, Your Wood Surface installation date is confirmed. XXXX XXXXThursday,XX/XX/XXXX Add to Calendar Preparing for Your Installation Please refer to our Installation Prep Check-List to ensure your home is ready for installation. XXXX XXXXl Wednesday, XX/XX/XXXX Add to Calendar Preparing for Your Installation Please refer to our Installation Prep Check-List to ensure your home is ready for installation.Your XXXX XXXX Project Hi XXXX XXXX, XXXX XXXX will be the lead craftsman during your installation project. Installation Date: Monday, XX/XX/XXXXArrival Window: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lead Craftsman Badge #XXXX Appointment Location: XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Phone #: XXXX Associate: XXXX Appointment: Initial Consultation for Hardwood Date: XX/XX/XXXX Time: XXXX XXXX XXXX XXXX XXXXYour XXXX XXXX Project Hi XXXX XXXX Your Wood Surface installation date is co
09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93306	Web	Older American
As we have not heard from you and / or your Home Office, I am re-sending this Official Legal Letter again dated originally on XX/XX/XXXX plus further updated serious matters dated today electronically through e-mail attachments including XX/XX/XXXX as Certified Letter, respectively and respectfully. We would like to recapture this continuous updated Serious Matters of Non-Integrity, Non-Honesty including Non-Quality plus Poor Merchant Workmanship / Un-Satisfaction to your Attention as follows systematically : 1. XXXX XXXX, Service Technician and his Service Manager of XXXX XXXX XXXX failure to provide the tested Pictorial Diagrams as agreed of my existing Gas Air Furnace of Induction Motor previously as " Irregular Motor Speed '' that was diagnosed dated on XX/XX/XXXX. Therefore, this is considered as Concealment of Material Facts subject to Fraudulent Diagnostic Deceptive Business Information. 2. XXXX XXXX as your Service Technician did not gain authorization to Flush the existing Water Heater as well as Improper Flushing of Water Heater causing to Potential Water Heater corrosions including Potential Voiding the Manufacturer Warranty as a result of Improper Water Heater Flushing from exist point to the Water Heater faucet and faucet attachments dated on XX/XX/XXXX. 3. XXXX XXXX XXXX as your Sales Designer of XXXX XXXX XXXX failed to mutually gain authorization between the Bonified Consumer / Customer identified as XXXX XXXX versus Greensky , LLC - the Loan Servicing Company for the Process of actual Consumer Loan - Credit Application through the requirements of On-line Registration and/or Mobile Application of Verbal and/or Written Transactions Process. This Error & Omissions which is an Unlawful Business Practices as well as Privacy Law Violations is non-tolerated created by XXXX XXXX XXXX Management Teams. Thus, the Utilization of only Generic Application to pull so-called Soft Credit Report minimally only is NOT an Acceptable Loan Process to gain Mutual Agreement for Lending Allowance with Greensky , LLC as Loan Servicing Company dated on XX/XX/XXXX. Therefore, I am attaching Greensky , LLC for the on-line Loan Servicing Consumer Installment Loan Application Form & Informational Blank. Unfortunately, Ms. XXXX nor the General Manager failed to provide and / or inform per instruction to the bonified Consumer / Customer for the completion of the on-line Log-in Consumer Credit Application with XXXX XXXX XXXX In Fact, Ms. XXXX had her Laptop Computer plus her Mobile Phones with her at Customers / Consumers Premise here at XXXX XXXX XXXX, XXXX, CA XXXX during her Sales Presentation. She could have done so as of extremely easy real-time accessibility as Due Diligence but unfortunately, she had failed to do so as of one of the said above Consumer Loan Application Process Transactional Options with Greensky , LLC as to act upon it. This is for the betterment of Better Business Practices plus the direct relationships with the bonified Consumers / Customers with the Mutual Authorization and Loan Application Agreement with the 3rd Party Loan Servicing Industry identified as Greensky , LLC. 4. Constructive of High Pressure Sales Attitude between XXXX XXXX XXXX ( XXXX XXXX XXXX Sales Designer ) and XXXX ( XXXX XXXX XXXX General Manager ) and Failure to providing the Customer - XXXX XXXX as the Consumer to Review the Work-Order per so-called Written Contract for Three ( 3 ) Business Days Provision Allowance and/or Recission Period Allowance thus, the Unpleasant / Unwanted Installation on the very Next Day - dated on XX/XX/XXXX of Monarch HVAC System into Customers Subject Property located at XXXX XXXX XXXX, XXXX, CA XXXX. At the same token, forcefully to request for the agreement via the Next-Day Installation - Schedule before the Work-Order Form Completion for mutual Understanding of the Work-Order Intent created by the XXXX XXXX XXXX Designer / Sales Personnel as Maliciously and Inducement Actions. 5. Subject Serious Concern as attached Pictures ( enclosed ) of XXXX XXXX XXXX XXXX XXXX major Equipment Systems area of Dented Damages / Inferior after unloading from your XXXX Truck during arrival before Installation at subject Property Address dated on XX/XX/XXXX. Therefore, these dented HVAC Systems of Equipment Components and Equipment plus excessive Crease lines for the Restriction of Airflow as of the HVAC Condensers Fins will subject to Potential Void the Manufacturers Warranty Provisions. In fact, the misrepresentation between the XXXX Brand of the HVAC Systems of the Floor Showroom in which XXXX XXXX XXXX represent routine basis at XXXX County of XXXX XXXX as upon careful cross-examination do not exhibit any nature of Dents nor HVAC Condenser of Fins Crease lines. Furthermore, failure to pre-Authorization nor Mutual Understanding per gaining Acknowledgement / Agreement during Sales Presentation as of the willfulness to remove from XXXX Manufacturer Brands Labels and / or XXXX Manufacturer Brands Labels to XXXX XXXX XXXX simultaneously in front of Consumers / Customers View and at Customers Premise is a serious Unfair and Deceptive Business Practices leading to unnecessary Mis-representation and/or Misleading Motion of Actions on XXXX XXXX XXXX Portion without gaining Mutual Understanding / Agreement again during Sales Presentations and / or Work Orders Notifications which is a Business Tort Infractions and Deceptive Business Practices. 6. In addition, to recapture the other Serious Concern Items as identified below recently from XXXX XXXX for immediate outstanding Corrective Actions and Actions Plan have NOT been resolved as of today yet : 7. Failure to Inspect and Reseal the remaining Nineteen ( 19 ) Air Vents / Subject Property Registers as agreed / promised out of 23 Registers throughout the subject premise of Bedrooms, Bathrooms, Kitchen, Family and Living Rooms in which the Sales Designer ( XXXX XXXX XXXX ) - had taken the extensive measurement plus delivered of the Floor Plan Drawings to the Installation Dept. of XXXX XXXX XXXX dated on XX/XX/XXXX and XXXX, XXXX respectively. In addition, unauthorized Modification in front of the Consumer / Customer View / Premise of the HVAC Equipment Components during Installation on XX/XX/XXXX without gaining mutual Notification of Understanding / Acknowledgement during the Sales Presentation dated on XX/XX/XXXX mid- afternoon is considered as an Unfair Business Practices subject to Deceptive Business Practices plus potential Violations of Federal Trade Commissions ( FTC ). 8. Failure to Utilize the said Tarps ( 2 ) which were brought to Customers Subject Attic on XXXX XXXX as agreed dated on XX/XX/XXXX during the said Sales Designer Sales Presentation for the protection of the existing Installed of the XXXX XXXX XXXX Blankets in XXXX, XXXX from XXXX XXXX XXXX USA for the Prevention of XXXX XXXX XXXX said Installers Traffic Tearing of the Microscopic and Sensitive Mesh Openings ( Reflection of Sunlight for Extreme Cold Weather Temperatures and Heat Gains ) which will potential Void the Warranty of the said XXXX XXXX XXXX Blankets from XXXX XXXX , USA in the near future. 9. Failure to wear Booties consistently specifically in the Subject Sensitive Floor of XXXX XXXX XXXX as agreed dated on XX/XX/XXXX during the said Designer Sales Presentation including the numerous said Installers to whom they had gained in the Bathroom and Family Room during accessible for the Utilization of Premise Customer 's Bathroom ( s ) as Personal means. 10. Failure to unload Properly ( some unloaded HVAC Equipment and Equipment Components were scrapped against the abrasive Concrete Floorings ) as well as Un-Sanitary Conditions for most of the " XXXX XXXX XXXX XXXX XXXX XXXX systems by use of the Subject Premise Lawn ( which is very wet due to current rainstorm in XXXX in the month of XXXX, XXXX ) in Light of the Concrete Slabs which is more preferred as Better Contractors ' Practices. 11. Potential of missing Monarch Equipment Parts / Components of HVAC Systems in the Attic due to NOT paying attention during Installation with extreme Loud Music from Installers Personal Cellular Phones dated on XX/XX/XXXX mid-afternoon. 12. Inappropriate Tone of Voice & Aggressive Behavior including Non-Productive as well as Non-Professionalism created by XXXX XXXX, your Installation Manager at XXXX XXXX XXXX on numerous subject Premise Visits. Refusal of wearing Medical Masks by this Individual as provided by the Customer. This individual who was very Rude and dis-Polite / dis-Respect due to severe Coughing from this Individual to whom he just got back from his business trips. The new Medical Masks were provided by the Customer at Customers Subject Property Premise but unfortunately this Individual refused to wear them as provided again : during the Pandemic Crisis of Novel Covi-19 which is against the Governmental Regulatory Compliance Orders. 13. One of the XXXX XXXX XXXX XXXXnstallers arrived later than the rest of the Installers. He was the only one to whom did not wear the XXXX XXXX XXXX Uniform. The Customers were not able to identify his name since he did not wear his company provided Uniforms. This Individual was very Rude to whom he had questioned about our Senior Citizens ages maliciously in which it was very malicious outside the Ordinary in which it was a profoundly serious concern plus questioning outside the Topics of HVAC Systems for intruding our Privacy dated on XX/XX/XXXX. 14. We as XXXX XXXX and XXXX XXXX, the bonified Consumers / Customers respectfully and regretfully that we disagree to pay in the amount of $ XXXX as a result of Poor Quality Installation Services plus Installed Poor Equipment Quality so far as Inferior / Dented Equipment with again excessive crease -lines of HVAC Condensers and Equipment Components ( Potential will VOID Manufacturers Warranty ) as attached including Poor Customers ' Services / Un- Satisfaction and Poor Relationship, Poor Workmanship including Omissions & Errors as well as Negligence as the Inducement for Credit Application Transactions, Non-Honesty and Non-Integrity Approach. 15. We as XXXX XXXX XXXX XXXX - the bonified Consumers / Customers may Settle with the Best Faith Final Agreement between XXXX XXXX XXXX in the amount of {$15000.00} with Four ( 4 ) years of Introductory Period at Zero ( 0 ) Interest- Rates and 5.99 % of Interest Rate after the 4th Year of Payment Plan as well as retroactive Ramification for further Validation Process Transactions with Greensky Consumer Installment Loan Application mutually. This will also be including the Ten ( 10 ) Years with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Plan at no additional costs at this time. Respectfully Submitted, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
11/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	WI 541XX	Web
On XX/XX/XXXX XXXX, a salesman from XXXX XXXX, came over and gave us a sales pitch and information regarding windows, patio doors, and doors. We went through all the options together. While XXXX was here, he offered us to finance half of the project through Green Sky, stating there would be no charge, payments or interest until the project was completed ( COD ). He stated that by financing through Green Sky we would receive a larger discount on the project. We agreed and XXXX applied for the loan for us on his phone through an application. We were approved and XXXX took all our account information to apply it to the contract. We paid the down payment of {$12000.00}, half the project, via our personal credit card and the remaining half of a little over {$12000.00} would be financed through Green Sky and charged on completion ( COD ). My husband signed a contract to purchase windows/door/patio doors through XXXX XXXX ( XXXX ). In XXXX we received a billing statement from Green Sky even though none of the work was completed. I paid the amount to avoid our credit being affected. My husband contacted Green Sky and he was advised that XXXX XXXX charged our Green Sky account even though none of the work had been completed. The Green Sky representative told my husband that we had to have XXXX XXXX contact them. My husband was finally able to get XXXX, the owner of XXXX, on the phone and XXXX stated he would contact Green Sky to have the charge reversed. XX/XX/XXXX was the install date, but the install date came and went and no windows were installed nor were we even contacted by XXXX. Later in the month of XXXX we received another billing statement from Green Sky. Again, my husband called Green Sky and again he was told that XXXX XXXX would need to contact them and let them know the project had not been completed. My husband contacted XXXX and XXXX again said he would contact Green Sky to have it reversed. Every month we continued to be billed even though the project hadnt started or even had an install date set. On XX/XX/XXXX, I contacted Green Sky and filed a dispute. The contract with XXXX states the portion that would be financed through Green Sky is COD, yet the XXXX charge from May for the final half of our project still remained. The representative I spoke with at Green Sky looked in history and saw we had called about the charge and wanted to know what we needed. I advised him the project had not even started and that I wanted to know why we were even being billed. The rep looked and said he was not sure why, but that XXXX charged the account in May. He found no certificate of completion and I advised him the project had yet to even start. He filled out a form for a dispute to be opened. On XX/XX/XXXX, I received a case acknowledgement letter from XXXX XXXX. I contacted XXXX for more information on how the case would proceed. XXXX was not available, so I talked to another representative who tried to tell me that XXXX could charge the amount to Green Sky for a down payment. I explained several times to the representative that we already paid a down payment on our personal card and that with the Green Sky payment, XXXX has actually been paid in full. The rep kept asking what I wanted, if i just want3ed and install date or to cancel the order. I advised her that if those were the only option then I wanted to cancel I guess, as I wanted the charge credited back. I advised her the account should have never been charged in the first place because the Green Sky portion is XXXX and the project had not even begun. The rep had XXXX call me back. XXXX called back a day later and she too tried to say that XXXX could charge to our Green Sky account already because XXXX needs a downpayment to start the project. I explained to her several times we already paid half the project as a down payment up front on our personal CC and that the Green Sky amount was to be financed and paid upon completion ( COD ). XXXX wanted to know how much of the project had been completed. I advised her absolutely nothing had been done yet and that there was no install date. I advised her XXXX just keeps pushing it back a month when we call, but the time comes and goes and hes yet to be telling the truth. I advised XXXX that with the Green Sky payment XXXX was now paid in full for a project that had yet to begin and possibly appeared to may never happen. XXXX asked that I send her proof that we already paid a down payment. I sent XXXX XXXX a copy of the contract which showed that we made the down payment with our CC and proved the amount charged to Green Sky is COD. I forwarded XXXX emails from the owner of XXXX proving the windows had not been installed. XXXX confirmed that she saw we made the down payment with our personal CC and was not sure why XXXX had charged the account already in May. XXXX stated she would need to reach out to WS and wait for a response. XXXX XX/XX/XXXX, I can not remember exactly, I contacted Green Sky to get an update. XXXX was not available, but the rep looked and confirmed that there was no response from XXXX as of yet. She also stated that XXXX had not worked the case since the Tuesday prior, on which she sent an email to XXXX and was still waiting on a response. It was confirmed that we had not signed a certificate that the work was completed. I requested that they make a permanent credit to the account since there was nothing left to need at that point. The rep told me she would let XXXX know I requested ACH and have XXXX call me. Monday, XX/XX/XXXX, XXXX called me and told me that I needed to wait XXXX business days for a response. XXXX stated she had no new information. I asked what she needed since she had the proof she needed. XXXX advised she still had to talk to WS and wait for them to submit a credit. XXXX advised that after 10 business days it would be escalated to another department. Today, XX/XX/XXXX, I contacted XXXX again. I asked her what the update was since it has been XXXX business days. She told me she had no new information. She was unwilling to tell me much of anything. I asked her if it had been escalated as she said it would be after 10 business days. XXXX stated it had already been escalated last Tuesday. I asked why she didnt tell me that it had been escalated, and she said she didnt call me or tell me because she didn't have any information to give me. I pointed out that the case being escalated was new information. XXXX continued to respond the same way to every question, stating that she has no new information. She informed me that it was escalated to another department and she didnt know how it worked from there. I asked XXXX for a time frame that I should wait for an update and she told me she didnt have a time frame she could give me. I asked her if it could be a year, and she said no. I said then you do have somewhat of a time frame. She informed me it is usually 45-60 days. I asked why she didnt just say that right away then.. She again just said because she had no information to give me until she heard back from the other department and that there was nothing she could do or tell me at that point. I advised her that I knew they were being investigated, that she was a terrible representative who seems to be annoyed whenever I call and seems to have no interest in helping or saying anything other than she has no new information to give. I asked to speak to her manager. XXXX put me on hold and came back to the line telling me that she would send a request to have her manager call me back. XXXX stated I should hear back in 24 hours. XXXX XXXX seems to care more about XXXX than about her customers. She has failed to show any sort of compassion or empathy for the situation. She fails to offer or provide information unless the right, specific questions are asked. We are out a large amount of money for a project that has not started and continues to be pushed back. Green Sky has all the information they need to permanently credit our account. I know of other people going through the exact same situation with Green Sky. XXXX is charging them before the project starts. I know of people fighting Green Sky to get their money back. I feel Green Sky and WS are working together to wrongfully provide XXXX funds up front for work that has yet to be done.
01/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77079	Web	Older American
This is what happened last XXXX, XXXX, I sent the following letter to Attorney General of Texas, and copies to XXXX XXXX XXXX and Greensky Loan Program. On XX/XX/XXXX, the office of the Attorney General referred this case to Texas Department of Licensing and Regulation, Air Conditioning and Refrigeration. The investigator assigned to this case was : XXXX XXXX, dated XX/XX/XXXX Re complaint XXXX XXXX. GreenSky case XXXX. I briefly talked to him twice, sent him various emails ( I have them on file ), and I have not heard back from him at all. Furthermore, XXXX XXXX XXXX did not even bother to contact me! . The following letter is a detailed description of my experience with XXXX XXXX XXXX and GreenSky Loan Program. : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX ( Home ). XXXX : XXXX ( Mobile ) Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, our air conditioning ( A/C ) in the ground floor of our home was not cooling. Based on the reviews and being accredited by XXXX XXXX XXXX XXXX XXXX ), I hired XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone : XXXX to fix the problem. I learned about that company through a so-called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX : XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX sent for the first time their A/C technician, XXXX XXXX XXXX During that initial visit, MrXXXX XXXX offered a payment plan via GreenSky Loan Program for a period of 18 months to which I signed in agreement. Then, XXXX XXXX inspected the A/C unit. After he did, he documented in his notes : XXXX with ice around it. Check systems pressures, and low side pressures are low and superheat is very high. XXXX has a restriction causing systems pressures not to flow properly through refrigerant lines. Under the category Immediate Repair, he wrote : 1 ) Expansion Valve ( XXXX ). One year parts and labor warranty. Cost {$1300.00} 2 ) Expansion Valve ( XXXX ). Cost {$65.00}. Total : {$1300.00} On XX/XX/XXXX, XXXX XXXX came back and he wrote the following : A/C not cooling/working. During inspection discovered condenser under charged. This caused system not to cool properly. Suspect a leak in system. Today we add needed refrigerant to system. Come back out to locate leak in system with electronic leak detector. Under the category Immediate Repair, he wrote : XXXX minimum refrigerant charge, up to 3 pounds. No warranty Cost {$370.00} Mr. XXXX came back on several occasions in the process of trying to repair the A/C unit. Below are the dates, and next to them, the charges associated with the work he presumably did. XXXX {$96.00} ( Charged to XXXX XXXX card, under my daughters and my name, XXXX XXXX and XXXX XXXX XXXX, respectively ) XXXX {$1700.00} ( Charged to GreenSky Loan Program ) XX/XX/XXXX {$370.00} ( This amount was charged to GreenSky Loan but in GreenSkys transaction report, it appears to have been cancelled. However, it was probably added to one or both of the service calls on XX/XX/XXXX and XX/XX/XXXX ) XX/XX/XXXX {$570.00} ( Charged to GreenSky Loan Program ) XX/XX/XXXX {$940.00} ( Charged to GreenSky Loan Program ) From the first to the last time of service, XXXX did not provide a definite diagnosis of the problem or an estimate of the repair costs. They only gave me handwritten notes with charges above mentioned. Notwithstanding recurrent visits, -- over a period of approximately more than one month, from the XX/XX/XXXX to XX/XX/XXXX, -- presumed identification of problems and application of remedies to those problems the XXXX technician claimed to have executed, the A/C remained broken. There appeared to have been a leak and instead of repairing it, the XXXX technician kept adding refrigerant which, in turn, kept leaking. And as he did, new charges accrued and were applied. I became aware of this situation only after I accessed the transaction history of the GreenSky Loan Program. All the while, the A/C problem remained unsolved. Later, and based on the diagnosis of another company, I learned that coil was the problem ; and XXXX did not identify it in spite of the leak. Due to XXXX inaccurate diagnosis, ineffective and expensive service, and no response to several calls I made to them to complain about the fact that the A/C remained nonfunctional, I sought a second opinion. Thus, in XX/XX/XXXX, I called XXXX XXXX XXXX and XXXX. This company was highly recommended by a friend. The owner, Mr. XXXX XXXX, ( 30 years experience in A/C field ) immediately identified the problem and solved it on XX/XX/XXXX by replacing a 3 ton coil. The total charge was {$1900.00}. Furthermore, on XX/XX/XXXX, I called XXXX to complain about their poor service and to demand a full refund of {$3200.00}, a {$69.00} finance charge, and an initial charge of {$96.00} posted on my XXXX XXXX card on XX/XX/XXXX ( already in dispute ). XXXX refused to refund the above charges. Instead, they offered and insisted to credit that amount toward the purchase of a new A/C system. I declined. I did not need a new A/C unit! They also offered to corroborate XXXX diagnosis and on XX/XX/XXXX, they sent XXXX XXXX, Senior SVAC technician. XXXX XXXX came to inspect the A/C and agreed with XXXX diagnosis. Since that visit, I no longer heard back from them. In the meantime, I kept calling them demanding a full refund. XXXX staff stated that the company would not refund the fees. On another note, I became aware that every time XXXX sent the technician to service the A/C unit, they added fees to the GreenSky Loan. Moreover, prior to seeking a second opinion, XXXX had come five times and the A/C problem remained. In contrast, during XXXX first visit, they identified and fixed the problem and charged a one-time fee. It is because of this difference in service, that I no longer agreed to continue working with XXXX. When XXXX refused to reimburse the payments, I called GreenSky Loan to explain to them my experience with XXXX and told them that I was not willing to pay for their services. GreenSkys response was that they understood my position and would talk to XXXX. However, GreenSky said that XXXX told them that they could have finished the repair job after XXXX diagnosisbut that I refused to continue working with them. Therefore, GreenSky concluded that it was up to XXXX to refund the fees. I assume that GreenSky has absorbed the debt and that XXXX has been fully paid for their deficient services. I am not willing to damage my excellent credit due to XXXX incompetence, and unethical and unprofessional business practices. Moreover, as an elderly widowed female who was had no knowledge of A/C malfunctioning issues, I believe I was targeted by XXXX predatory business practices. Finally, I am submitting all the evidence I was given by XXXX to demand a full refund of {$3200.00}. In the event this matter is not solved to my satisfaction, I am also filing a complaint with the XXXX XXXX XXXX ( XXXX ) in XXXX, TX. FYI : On another note, all calls made to XXXX and GreenSky were recorded by their system. No estimate was provided throughout the time that they serviced the A/C unit. And XXXX technician second visit, he indicated that because the A/C remained nonfunctional, that I could need a new A/C unit. Later, when I asked for a full refund based on my dissatisfaction with their inept services and deceptive practices, XXXX insisted that fees already charged could be used toward the purchase of a new A/C unit. I suspect that XXXX intention from the beginning was to sell a new A/C unit. After my experience with them, I researched that company more thoroughly and found that there were more than 60 complaints against them. Thank you for attention to this matter. Sincerely, XXXX XXXX XXXX XXXX : File XXXX XXXX XXXX GreenSky XXXX XXXX
09/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90045	Web
Company : Greensky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX GreenSky XXXX XXXX XXXX, XXXX GA XXXX Lender XXXXXX/XX/XXXX, A Mississippi banking corporation XXXX Greensky is trying to collect money from me on a bill that is not mine. They claim I owe them {$53000.00} for a series of home improvement type transactions recorded for businesses in the Southern States. Despite repeated conversations with them, letters to them etc. they continue to send me bills, call me and harass me about money that I don't owe them and never did owe them. After a lot of letters in which I asked them what the transactions were for, they did send some copies of transactions for home improvement type work at locations in the South. That is the only way I even know what the charges are for. Summary of Facts : 1. I did not apply for any type of credit with them or take out any type of loan. I did not fill out any paperwork at all. 2. I do not have a loan with them and never have not had any dealings with Greensky. 3. I did not fill out any applications for a loan, credit line or account or sign any paperwork dealing with them or with any of their partners like XXXX XXXX in Mississippi. I have never been in Mississippi. The last time I was in XXXX GA was about 20 years ago. The only place that I have been to in the South is XXXX Florida for work meetings and vacation within the last year. 4. I did not borrow any money from Greensky or XXXX XXXX. 5. I did not do any transactions with them at all. 6. I did not do the transactions for the home improvement bills they show- 7. I have never been in the cities where they show the transactions to occur. I was here in California seeing XXXX in my office. 8. I have not done any home improvements to my house related to their what they show for the work done. They claim the transactions were for home improvements. 9. I have invited them to inspect my house to verify that the type of home improvements they show on the transactions have not been done at my house. They have not responded. 10. I live in XXXX XXXX, CA and do not have property in any other state where I could do the work they listed. I do not even know anyone who currently lives in Mississippi or XXXX area. 11. I have asked them to show me a copy of a loan application, signatures on any transactions or any piece of paper with my personal data, or signature. They have provided nothing. 12, I have asked for a paper trail of these transactions and for an investigation of the people who received the money. They have provided nothing. 13. I have told them to find out who has their money because it is not me. They have done nothing-no response. 14. They do not have even one piece of paper, loan application, transaction, anything with my signature, other financial information required to get a loan like this etc. In other words, they do not have one shred of evidence that I owe this bill. 15. The first time I even heard of them is when I got a bill for transactions I did not do. 16. During my first correspondence to them, when I told them these transactions were not mine, I asked them to close the account and NOT give out any more money. I don't know if they did this. 17. There is no person who ever responds to my letters and calls. For example, if there was a loan, there would be a loan officer. Someone would have approved the loan. I have asked them for the name of this person. NOTHING is their response. 18. They call me at my office. Then when I do not give them my personal information, they claim they can not look up my account. On the last return call talking to XXXX last week, I asked her to record the call but she said she could not because I did not have my account number with me. This is after they call me. 19. They wanted me to send them all my personal information like social security number, a copy of my driver 's license etc. so they could forward it to " investigation ''. Since I never took out this loan in the first place. I told them in writing that I would not send them any personal information on myself. They could use this to manufacture fraudulent and false paperwork. Besides, If I had filled out any documents to get a loan, they would already have this. CAUTION TO ANYONE READING THIS : IF THIS HAPPENS TO YOU, DO NOT GIVE GREENSKY ANY OF THE PERSONAL INFORMATION, INFORMATION THAT THEY SHOULD ALREADY HAVE. BOTTOM LINE : THEY HAVE PRODUCED ABSOLUTELY NOTHING TO SHOW THIS BILL IS MINE AND DO NOT HAVE ANY PAPERTRAIL, NO LOAN APPLICATION, NO SIGNATURES ON TRANSACTIONS, NOTHING AT ALL WITH MY SIGNATURE OR PERSONAL INFORMATION TO SHOW THIS BILL BELONGS TO ME. OTHER INFORMATION : They have been sending me bills for over 6 months. I have talked to them repeatedly. I have asked them not to contact me by phone, yet they called me twice at my business in the last week. I have sent them multiple letters : The last letter was very detailed - sent on XX/XX/2019. After this letter, they adjusted the amount they say is due to XXXX a month ago. I thought we were done. The next bill showed the amount owed adjusted to XXXX but with interest and fees still owed. Now really, that doesn't make any sense, does it? They adjust the charges to XXXX and then send me a new bill for interest and fees on an amount that is XXXX. When the bill is adjusted to XXXX it makes sense that a person would also not owe interest and fees an an amount that was XXXX. They adjusted the bill but didn't take off the interest charges. They should have adjusted the bill to XXXX and then removed the interest charges and fees also. This was most likely a computer error or someone was not thinking or paying attention, This week I get a new bill. The adjustments are gone and the amount has gone back up to the full amount. There is no explanation for how or why that happened. Frankly, I do not know what to do. There is no one there to talk to-there is certainly no one there who is listening. They may be pleasant and nice people, but they are totally incompetent or they are doing this intentionally. What I fear most is that this has happened and is happening to other people. Other people who may be intimidated by their overbearing efforts-who might actually pay bills they do not owe. In light of the fiasco of news generated by institutions like XXXX XXXX, I would think that financial institutions would be more careful and actually read and review correspondence sent to them, or would investigate the facts more completely. I would also like to know what my other options are : Should I contact the attorney general for their states? Should I contact anyone else? Should I proceed with legal action against them? Other than CFPB, do they have any other regulatory agencies statewide or nationally? How can I encourage their regulatory body to launch an investigation into their practices? Who should I talk to? I have wasted a lot of time and effort to try to get this cleared up and am getting absolutely NO RESPONSE. I feel the burden of proof is on them. If you want information ask them first. Naturally I would be more than willing to share my letters to them with you or any other facts you might deem helpful. Frankly I can not think of anything else to say other than what is above. PLEASE PUBLISH THIS LETTER FOR ALL TO SEE. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX
02/21/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32935	Web
My home sustained roof damage as a result of hurricane Irma and was in need of a complete roof replacement. I had contacted a local roofing contractor XXXX XXXX to come to my home and provide an estimate on roof replacement. On XX/XX/XXXX a Mr. XXXX XXXX employee of XXXX XXXX met with me and my wife and provided an estimate to tear off the damaged roof replace any plywood or framing the was not in good condition and install a Class 90 hurricane resistant metal roof engineered to withstand a Category Five Hurricane with a lifetime warranty. The cost of this tear off and replacement roof was {$27000.00}. XXXX XXXX works with a financial company named Green Sky located in XXXX Georgia and they are often used by XXXX customers to finance their roofs. A credit check was ran by XXXX finding that my wife and I do qualify for the loan to replace the roof at which point we signed a contract and made an agreement with Green Sky for a home repair loan at 6.99 percent interest. We then signed a contract with XXXX XXXX to do the work. The expense of the roof was high however since it was a Class 90 roof engineered to withstand a major hurricane and came with a lifetime guarantee I believed it was a good investment since I reside so close to the Florida coast. I wanted my residence to meet the higher wind load standards of XXXX Florida ( XXXX County ) rather then the lower standards of XXXX County where I live. Work started about the first week of XX/XX/XXXX the old roof was removed plywood and fascia was repaired after which the building department inspected the framing and approved it. At this point a crew was brought in to install the metal roof. The metal roof was completed on XX/XX/XXXX however unbeknownst to me XXXX XXXX had contacted Green Sky and had already requested final payment several days before completion of the roof. On XXXX the roof was inspected by Building Inspector XXXX XXXX of the City of XXXX Building Department, at which point it failed inspection and received a red tag violation due to improper installation which did not match the plans submitted by XXXX XXXX to the City of XXXX Building Department. I spoke to XXXX who explained the issue was that they used approximately one half of the fasteners/screws needed to install the roof based upon their plans which had been submitted to the Building Department. XXXX further advised that the fasteners that were installed were not installed in the specific patter as on those plans. I contacted XXXX XXXX by phone that day and made them aware that the roof had failed inspection. On XXXX Inspector XXXX XXXX arrived for the second inspection of the roof however there had been no change/work done on the roof since the first inspection at which point the roof again failed inspection. I spoke with the XXXX concerning the reason that the roof failed inspection he explained to me that the plans submitted by XXXX XXXX required that the fasteners/screws should have been placed on both sides of the ribs in the metal to attach it to the roof. At this point it appeared obvious that something was not right being concerned that I may have been the victim of a scam I started doing some investigation into what paperwork had been submitted for the roof. The plans submitted by XXXX XXXX contained information from a structural engineer named XXXX XXXX XXXX XXXX XXXX XXXX, in this documentation there are two methods of attachment indicated method one is similar to what XXXX XXXX used to install the metal on the roof. Method one is engineered to provide the roof with the ability to withstand up to 52.5 pounds per square foot of uplift on the metal roof. Method two was engineered to provide the roof with the ability to withstand up to 105 pounds per square foot of uplift. XXXX XXXX had indicated that method two was the instillation method they planned to use. The roof installed on my residence was method one which is not engineered to withstand a Category Five Hurricane. I contacted Green Sky via phone speaking to one of their Customer Service Reprehensive and requested that my account be frozen to insure that XXXX XXXX did not receive the final payment. At this point I learned that XXXX XXXX requested payment on XXXX, and received payment on XXXX. It should be noted that XXXX XXXX did not complete the instillation until XXXX. They had requested and received payment while construction was underway and prior to the job passing inspection. I did not give authorization or even have knowledge that the final payment had been made. I had authorized the first payment to XXXX XXXX who assured me that all payments would require my authorization before funds were released. Upon receiving the contract from Green Sky it explained that in order to authorize payment I would need to provide XXXX XXXX with my loan/account number combined with the expiration date for the load window of the contract. I never shared this information with XXXX XXXX or any other person. Later I would learn that when XXXX XXXX submitted the information to Green Sky that he receives the loan/account number and the expiration date. At the time I did not know that all XXXX had to do was logon to Green Sky via a computer with said information and receive payment. I was under the impression that I would have to contact Green Sky to authorize the release of funds/payment. As such they did not install the roof according to the plans they submitted. I had the opportunity to discuss over the phone the engineering information with Mr. XXXX XXXX XXXX at which point I discovered that he has no association whatsoever with XXXX XXXX. XXXX further advised that the method of installation used by XXXX XXXX was not a Class 90 Roof and was not engineered to withstand a Category Five Hurricane I contacted Green Sky financing and filed a complaint with them by phone ( XXXX ) my compliant was assigned case number XXXX. I explained to Green Sky that I did not have any knowledge and never gave authorization to release the final payment / draw to XXXX XXXX. I requested that the final payment / draw be removed from my account and the balance be adjusted to reflect only the first authorized payment / draw on my account. As of the date of this compliant I have repaid Green Sky {$6300.00} on my account I am not try to cheat them out of their money, however they have refused to correct my account balance and are holding me responsible for the unauthorized final payment / draw. By supplying XXXX XXXX with the information needed for them to get paid XXXX XXXX had the ability to obtain full payment at any time during or before construction. This leaves me with no leverage to compel XXXX XXXX to correct their work, and I am burden with a loan I did not authorize. I had contracted for a roof that met XXXX County, Florida standards which are higher then the standard required in central Florida where I live. Regardless of the roof installed on my residence I NEVER AUTHORIZED THE FINAL PAYMENT / DRAW TO XXXX XXXX and I will not be held responsible for it as stated in the contract with Green Sky. In addition to not receiving the roof I contracted for the life time warranty is in question sine the Owner / Operator XXXX XXXX is currently in XXXX after he engaged in a XXXX XXXX and is XXXX with XXXX XXXX XXXX XXXX XXXX. Thank you for any assistance you may provide with this matter.
01/29/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98178	Web
In late XX/XX/XXXX, I engaged a general contractor, XXXX XXXX, to perform both electrical and HVAC services at my home in XXXX, Washington. As part of the hard sell, the company offered a 0 % loan for 2 years through GreenSky , LLC financing, which I decided to apply for and use to pay for the work being completed. The contractor did not complete the work agreed to - and still has not - and what work they did attempt to finish did not pass required local inspections. Additionally, because of unfinished work, additional damages occurred. I had begun making payments to GreenSky , LLC financing, but contacted them in early XX/XX/XXXX when I was unable to convince the contractor to return to finish the work after repeated attempts at getting them to do so. Eventually, GreenSky accepted a document which the contractor sent to GreenSky as 'proof ' that I had signed off that the work had been completed. I told the GreenSky employee that I had never signed such a document and asked to see it. They sent it to me which is when I discovered that the contractor had applied an electronic signature to a document that I had never seen. The contractor also applied a date to the document, that was a date during which I was still attempting by email to schedule with the contractor to finish the unfinished work. I furnished GreenSky , LLC with these emails and numerous other items indicating that the document the contractor had supplied to them was never signed by me, but they refused to investigate it. Over the course of the remainder of XX/XX/XXXX, I had filed a complaint with the XXXX XXXX XXXX ( XXXX ) against the contractor still attempting to get the contractor to finish the work. During the course of the XXXX interactions, the contractor submitted yet another electronic document that the company had altered as a different attempt at 'proving ' that I had signed off that the work was completed. I pointed out the fraudulence of this document as well to the XXXX who followed up with the company who refused to address that particular issue.In the meantime, I arranged with the city of XXXX to conduct inspections on the work the contractor performed, of which both inspections failed. Through the course of the interactions with the XXXX, the contractor essentially acknowledged that they had not conducted the inspections and thereby not finalized the work. I informed the contractor of the failed inspections and gave them the opportunity to finalize the work, or refund the money for unfinished work which was now well documented. They did not respond at all. At this point, I hired other contractors for estimates and have begun having the work finished because leaving the work unfinished was a fire and safety risk, as well as was causing more damage. In accordance with the language on the back of GreenSky 's billing statement, On XX/XX/XXXX, I submitted documentation of roughly 70 pages by certified mail precisely as they requested to their disputes department showing clearly that the contracted and agreed upon work had not been finished including the two fraudulent documents and supporting documentation including failed inspections and the record of interaction between the XXXX, the contractor, and myself. I went above and beyond good faith to resolve the issue and GreenSky LLC, refused to acknowledge even receiving the packet of materials. After numerous phone calls in which I was still never transferred to anyone other than a low level customer complaint person, they sent a letter threatening to send me to collections. I responded to this letter with a second letter and essentially the same documentation, again exactly as stated by GreenSky , LLC. by certified mail on XX/XX/XXXX. Since that time, I have had a few interactions with GreenSky , LLC representatives, but rarely the same one. At one point, I submitted a paid invoice showing that I had had to engage a new electrical contractor to get at least the electrical work to pass city inspections because of the safety risks involved. In an email dated XX/XX/XXXX, a GreenSky representative responded to the invoice stating that the contractor was required to remove the dollar amount that I had to pay to the other contractor to have the electrical finished and that they had 3 days to do so. I was also asked to submit additional invoices or estimates for other work that was required for the original work to be completed to requirements - which I promptly did. GreenSky never acknowledged these receipts or estimates and to this day, my account has never been credited the $ 1800+ dollars that the company had already agreed to credit. I have repeatedly emailed and called GreenSky , LLC for status of the account and for the credit to be applied. GreenSky , LLC either refuses to return emails or refuses to address the exact concerns I've had. In short, GreenSky , LLC was presented with clear evidence that the merchant through which I was offered their loan, never completed the work that they had contracted with me to perform and had created fraudulent documents in an attempt to manipulate GreenSky LLC, and GreenSky , LLC continued to bully me for payment. Additionally, they have not applied a credit that they have already stated in an email that they would apply to the account, and they also have not responded to additional documentation that they said they would review of additional expenses I've incurred to finalize the work. I have spent literally dozens of hours providing GreenSky , LLC with documentation and being on hold with their company. After almost a year of interactions, they still will not allow me to speak to a person that has any authority to take action on my account. The contractor very clearly did not finish the services that they entered into a contract with me and caused additional damages and I documented it well, yet GreenSky LLC refused to take any action against their merchant. That they have not credited my account the amount that they said they had already authorized is reprehensible. I've attached some documentation to illustrate the points I've made here, but have much more additional documentation if helpful.
05/15/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92505	Web
My boyfriend and I hired a contractor XXXX XXXX XXXX XXXX XXXX, and signed a contract on XX/XX/2019 to remodel our kitchen. Then we signed a second contract on XX/XX/2019 to install a sliding glass door. We needed to remodel our kitchen, due to water damage. We told the contractor that we were waiting on the money from my home owners insurance, and that there might be a delay in starting the job. The owner of XXXX XXXX XXXX XXXX XXXX XXXX, offered us a finance option to pay through XXXX financial. XXXX said that we wouldn't have to put a down payment, no interest, and no payments for 18 months. I applied, and was approved for {$25000.00} dollars. XXXX advised us that, he couldn't charge the account until the job was complete. He said he would do a walk through, and at that point if were satisfied. That we would sign a authorization form, giving him permission to charge the account. We agreed to proceed with the job. Before starting the kitchen, XXXX ordered an XXXX XXXX door. It took about 2 1/2 weeks, and we set an appointment to install the door on XX/XX/2019. His crew did not show up on Friday XX/XX/2019, nor did we receive any phone calls for the no show. We called XXXX, and he told us it was a communication error. He said he was firing the crew, and sending out another one on Saturday XX/XX/2019. The new crew came out on XX/XX/2019, and installed the door. We noticed the door that was installed, was not one we had ordered, and it was a less expensive door. We confronted XXXX over the phone, and sent him pictures on XX/XX/2019 of the door labels the workers had throw away in our trash can. The labels indicated that, the door was a cheaper XXXX XXXX door, not a XXXX door in which we had ordered. We advised XXXX that we wanted to cancel both of the contracts. XXXX said that, it was a human error. And that, he would charge us a 25 % cancelation fee, and put a lien on the property if we cancelled the contracts. We told XXXX to go ahead and proceed, and that we would contact the XXXX, XXXX, and post our experience on XXXX. He asked what he could do to resolve this, and if he could order the right XXXX door and install it. We agreed to let him order and install the right door and pay him cash, if he let us out of the contracts without charging us the 25 % cancelation fee. We all agreed, and the new door was ordered. While we were waiting for the new door to come in, we received an email from XXXX financial on XX/XX/2019 that the account had been charged {$21000.00} that morning. We contacted XXXX that same day XX/XX/2019, and reported that this was fraud. We indicated that, our contractor charged the account without my authorization. XXXX not only chared the account the total amount of both contracts which equal {$16000.00}. But also charged an overage charge of {$5100.00} dollars, which totals {$21000.00} dollars.They said that they would investigate our claim, and contact the contractor to try to resolve this matter. A XXXX representative named XXXX, informed us that if XXXX does not provide an authorization that we signed to charge the account. Or provide receipts for the product ordered, we will not be responsible for any charges. And that XXXX can charge back XXXX the merchant, to credit the account to zero. XXXX put an account manager named XXXX, in charge of the investigation claim on the account. We spoke with XXXX on a weekly basis to get updates and to try and resolve this as matter as quickly as possible. XXXX was very rude, and always talked over us. The XXXX account is now frozen and blocked. to prevent any further charges to the account from the contractor. She treated us like we were in the wrong, not the contractor. We still do not have our kitchen started, other than the wrong door that was installed. XXXX has provided an invoice to us and XXXX, for {$5000.00} dollars for product that was ordered, for our job. We gave XXXX the opportunity to complete the job, with the product he ordered. But when we asked where the product was, he said because we cancelled the contract, he doesn't have the product anymore. We never cancelled the contract in writing, only verbally. The only credit to date as of XX/XX/2019, is a partial over charge of {$5000.00} dollars. Which still leaves both contract amounts of {$16000.00}, a left off balance of the over charge of {$120.00} dollars, which equals {$16000.00} left on the XXXX account. We have offered to pay XXXX in cash and keep the wrong door, only if he credits back the XXXX account in full first. XXXX said on a recorded line by XXXX, that he has spent the money charged to our account. He said he is a small business, and needs time to pay the account back and make payments. XXXX denied his request for time to pay back the account, and XXXX said it was going to another level of upper management. XXXX informed us that, XXXX in upper management would be taking over the claim. We tried reaching out to XXXX multiple times, and then we were informed that XXXX was not upper management, only another manager. XXXX then told us, XXXX in upper management will be taking over the claim. And that she is in charge of credit and charge backs. We were assured once again, that XXXX would get the charges on the account reversed. After speaking with XXXX multiple times, and conference calls with XXXX and XXXX. There still is no resolution to my claim, other than a partial over charge credit of {$5000.00} dollars. XXXX informed us that once again, the claim was being passed on to upper management. When we asked her, we were told you were upper management. She replied no, that she was just another account manager. To date XX/XX/2019, this is where my account stands. As we see it, there is no resolution in the near future. My account with XXXX still has a balance of {$16000.00}, and we have not received the goods and services for which my account was illegally charged.
05/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	NY 11566	Web
During XXXX 2021 a merchant took out a loan with GREENSKY , LLC for an amount in excess of the cost of the materials/labor. The Merchant was XXXX XXXX XXXX XXXX XXXX and the salespersons name was XXXX XXXX. This loan was being considered for potential work that would have been done on the exterior of our home ( updating siding ). There was no transparency into cost with XXXX XXXX XXXX XXXX XXXX through XXXX XXXX. I was unable to obtain as requested an itemized receipt for services ( with breakout of all material costs ( gutters, siding, windows ) and then labor etc. The original amount was higher than the ending amount agreed on due to a change in the materials and quantity. Originally we planned to do the entire house in a more expensive siding. Then, as agreed with XXXX XXXX and his associate, we decided to go with a different material ( masonry ) for the front of the home and chose the cheapest siding for the remainder of the home. XXXX as an agent of XXXX XXXX XXXX somehow applied for the loan without my consent. I never provided him SSN or other info and did not sign anything with regards to a loan with Greensky. Original amount of loan was approximately {$68000.00}. After alterations it was {$46000.00}. We even asked for a breakout of the {$46000.00} because we believe that he forgot that we were no longer doing the front of the house so he ordered excess materials that we had to pay for ( because the installer kept asking us are you sure we're not doing the front because there is a lot of materials here ). XXXX denied ordering in excess and also refused to provide us proof. We also asked for a cheaper siding but he chose one that was more expensive so as to not loose out on commissions of his sale. He reported on my credit the {$68000.00} even though I pointed out to him that after alterations the new price was {$46000.00}. This never got reflected on my credit report and if it did it did not change my monthly payment amounts that I expected to be lower and if it was changed on the credit report it wasn't changed to the correct amount. When I asked him about this he simply told me to contact Greensky and fix it ( even though he was fully responsible for applying for and doing everything with the loan from Greensky. I attempted to contact and rectify the situation with Greensky but was unable to get ahold of the proper person to fix my report, lower my monthly payments to the correct amount and report the correct amount on my report. I'd like to file a complaint for Greensky which already has a consent order issued for XX/XX/2021. My issues with both Greensky and XXXX XXXX occurred in XX/XX/2021. I would like to seek help correcting/cleaning my credit report, ensuring that I wasn't fraudulently charged for additional materials, and that when asked loan details were correctly changed by XXXX XXXX because as previously mentioned I never applied for the loan myself. XXXX acting on behalf of XXXX XXXX did so I had no insight on how to update this matter or fix it. And I also received no answer from either XXXX XXXX or Greensky as to why my monthly payments did not decrease as expected. But I never received an answer from either party. XXXX XXXX engaged in origination and servicing activities for a loan to that I did not explicitly authorize. I simply inquired about financing options and said I would discuss it with my husband and let him know what we decided to do as we weren't sure if we wanted to pay out of pocket for all or half or none of the project. Additionally, we would have liked to discuss the amount of the total loan and the monthly payments before accepting. Neither opportunity was give to us. XXXX XXXX simply applied for the full amount on our behalf and when the amount changed he failed to update it with Greensky and the credit bureaus appropriately. This caused me substantial injury to me by causing : ( 1 ) new unauthorized credit lines/amounts to appear on my consumer reports adversely affecting my credit profiles and lowering my score significantly ; I made payments on an unauthorized loan amount in order to avoid negative impact/report on my credit profile from nonpayment ; and I spent a lot of time and money attempting to rectify the loan amount, reverse charges, update for alterations and verify the correct amount for which to this day I do not have transparency or proof that the amount of {$46000.00} is correct. I had a neighbor re-side their entire house ( more sq footage than mine for only {$12000.00} ) so because of lack of transparency on XXXX XXXX 's part and the ability to simply apply for a loan without my explicit consent this caused a significant detrimental impact on my credit and monthly budget. Greenksy and XXXX XXXX after work was complete refused to talk to to me or help me. I also did not learn of the loan until well after it was funded in XX/XX/2021 by XXXX when work and materials weren't in until XX/XX/2021. I only found out about such loan on my report through a personal credit monitoring app that I have. Also the result of the loan inquiry hit my credit in XX/XX/2021 without me having to do anything and then in XXXX I receive an invite to register for the loan that I did not know I applied for. See doc attached
06/15/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 480XX	Web
On Sunday XX/XX/XXXXof this year, my wife and I stopped into a hot tub and spa expo. We ended up purchasing a hot tub for {$9500.00}. The sales people at the expo used a finance company named GreenSky. Per the contract and sales agreement there were to be no cancellations or refunds. The contract also stated that the hot tub was to be delivered on XX/XX/XXXX, the next day. The hot tub was never delivered on the XX/XX/XXXX. I was in contact with the sales person who sold us that hot tub all day long on the XX/XX/XXXX and they were no help.I got nothing but excuses as to why the tub was n't delivered. I started to have a bad feeling about the entire transaction.I did some research online of the hot tub company in question ( XXXX XXXX ). I found a ton of negative reviews of the tub and the company. I attempted to cancel the hot tub, because of the breach of contract on their part by not delivering the hot tub on the specified date on the contract in conjunction with the poor reviews and over all bad feeling I had about the entire transaction. First I attempted to contact The hot tub store ( The local retailer of the tub in question ) to attempt to cancel my order. I attempted to contacted them and the actual sales person on at least 5 different occasions over the coarse of the next two days. I did get in touch with two different people at the brick and mortar store. They both told me that they would " have someone contact me ''. No one ever did. The sales person would not answer their personal cell phone. I left voice mail for her to contact me back and she never did. At this point I got in touch with the financing company, GreenSky and submitted a dispute. I would like to preface this by saying that GreenSky approved me for XXXX and gave me a deadline of XX/XX/XXXX to spend the credit. They sent me their terms and a card that could be used like a credit card up until that date through email. I spoke with XXXX XXXX ( a supervisor ) about the dispute. I informed her that I never received the hot tub and that I was unable to get in touch with or make any other arrangements with the merchant. XXXX sent me an email with a dispute form to fill out and some other information that was requested such as names, times and conversations I had with the merchant, as well as any contracts that were signed as part of the agreement to purchase the hot tub. I sent her this information back the same day. Once they received the dispute, there was a two week period of time that went by. I logged into my GreenSky account online, and I could see that the charge had been taken off, and I could see a dispute transaction. I checked on this frequently for a few weeks and I assumed that the issue was resolved as I did n't hear anything from GreenSky, or the Hot tub store. Please keep in mind I still have n't received a hot tub or had anyone contact me about delivering one. Then I checked it again a few days later, and I saw that there had been a provisional credit reversal. I then contacted GreenSky again by phone. I spoke to another supervisor, who 's name I do n't recall. She informed me that because the contract said no cancellations that they could n't do anything about it. I tried to explain to her that the hot tub store breached their own contract by not delivering the tub on the date specified in the contract, but she refused to help me. She referred me back to XXXX, because she was the original supervisor that investigated my complaint. XXXX was unavailable at that particular time, so I asked for her direct extension and her business hours. I attempted to call her the next day, and got her voice mail. I left a message, and of coarse did not receive a call back from her. At this point I decided I wanted to file a complaint here. Neither party involved in this transaction is willing to help me resolve this. I am starting to wonder if I out right got scammed. As of now, 6 days away from a month that the original transaction took place, here is were we are at. I have XXXX owed to a credit company, and no hot tub. They have n't even contacted me to ask when they can drop off the tub. I feel like they got their money and ran. I will not under any circumstances accept delivery at this point of the hot tub in question, I also will not pay a dime to GreenSky. I have a XXXX credit score, and I do n't want it ruined by these shady companies. Please help me resolve this.
12/10/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	VA 23235	Web
I applied for and was granted a Home Improvement Line of Credit from GreenSky Financial to cover cost of replacement windows. The home improvement company ( XXXX ) collected my information and completed the application process with them so the obviously work closely together as many home improvement companies have financial affiliates. About 4 weeks after the XXXX was granted - I noticed the Home Improvement Company had charged the window manufacturing cost to the card - without any authorization from or notification to me. I just suddenly was getting a bill. But - they were building my custom windows - so as odd as I found that - I set up my payments and began paying. When the window installation was in progress ( XXXX ) - I was not satisfied with the windows - and there was a window cracked that needed to be re-manufactured and re-installed. Due to the charge mentioned above - I contacted GreenSky onXX/XX/XXXX and I spoke with XXXX ( sp? ). I told him of my dissatisfaction ... and of the first " surprise '' charge and requested protection that would REQUIRE me to review and authorize any subsequent charges to the XXXX. This would be my only leverage to hold XXXX accountable. He said he could put a PIN on the account and asked what I wanted the PIN to be which I provided. He assured me that for subsequent attempted charges, I would receive text notification and would have to enter my PIN to authorize the transaction. This to me seems only proper - as it is my line of credit - and my credit rating on the line. However - when I received my next statement from GreenSky - I saw the remainder amount for the windows had been charged to the XXXX and my minimum payments went up. I never received any opportunity to authorize or decline the transaction. When I called to complain - the 2nd representative told me mine was not an account type that could have a PIN so I never should now have been given that opportunity. However - I was given it - and I relied upon it. I viewed it as a protection against what I am now fighting against which is an inferior product, a job that has STILL not been fully completed ; a Home Improvement company that will not return my calls and further has no incentive to do so - since they have not been fully paid by GreenSky. Additional attempts to contact GreenSky about the issue have been fruitless. Promises to call me back are not fulfilled. Except that oddly - one of my complaint calls WAS returned within 15 minutes - and amazingly the GreenSky manager ( XXXX ) spoke directly to the XXXX sales rep who had visited me -- called him by name and indicated the rep was going to provide alleged signed documentation from me that authorized the XXXX charges to the XXXX. I assured the XXXX that I had only signed off that the install team had completed the installation - with my added annotation re : the broken window and my concerns with the actual product. That notice ( also attached ) contained NO mention of authorizing payment. XXXX promised to share that documentation he received with me, but that has also not been fulfilled. Having not heard from anyone - yesterday XXXX I called again. Once AGAIN I explained the situation. I was placed on hold - and then hung up on. I waited for someone to call me back - but no one did. Given the timing of some of the above described events - and the difficulty / reluctance on BOTH parties part to engage with me, it feels the home improvement and finance companies are directly affiliated - although when I asked that question directly of XXXX - he assured me they were not. But something does not seem right. Worth noting is the loan agreement ( attached ) mentions in the fine print - that disputes must be made in writing - within 60 days of noticing the disputed transaction. I was not advised of this by anyone during my repeated calls. It is interesting that the 60 days would likely expire in a few days - as the transaction in question was on a statement that was issued XX/XX/XXXX. ( Though having never received the text / PIN authorization promised - I did not believe ANY activity had taken place on my account - so was not aware of the additional charge until opening the statement early XXXX ). If they could have stalled me just a few more days - my 60 days would have expired.
08/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43147	Web
On XX/XX/XXXX, I filed a dispute/complaint with GreenSky on a loan they granted to XXXX XXXX XXXX, for XXXX XXXX XXXX they provided to me. I filed because I tried reaching out to XXXX XXXX XXXX and come to find out they are no longer in business and I was scammed. GreenSky Customer Resolution Center assigned my dispute to XXXX XXXX, who responded on XX/XX/XXXX. After several emails with XXXX ; he stopped responding and would not provide any information on his findings. I received a generic letter stating my case was closed, but nothing was provided on what the resolution was. I ended up getting multiple phone calls from multiple numbers ( not being recognized ), which ended up being from GreenSky 's " internal collection agency. '' I spoke to Supervisor XXXX ( ID XXXX ) " twice '' and explained to him that I was still waiting for XXXX to provide his findings. XXXX stated he would reach out to XXXX or someone else to get my info. While waiting, I received several more calls from different numbers from GreenSky, trying to collect the remaining payments. GreenSky 's main emails ( XXXX ) & ( XXXX ) ended up blocking my email, which I verified by sending a request from another email account. XXXX XXXX, Executive Response Specialist with GreenSky, reached out and we went back and forth, and yet I still did not receive the info. I ended up getting a notice from XXXX/XXXX that GreenSky reported my payment being 30 days late. From this, I filed a complaint with the XXXX. XXXX reversed the claim, but XXXX did not, which I just provided supporting documents today and now waiting on another response. I have never received any info from XXXX, but when trying to access my account, I got an error, and the Supervisor stated that they can not remove the error, and I would " never '' be able to access my report online and that I would have to request this via mail ( I'm still trying to find a corporate number or email to request help ). On XX/XX/XXXX, XXXX responded to my XXXX complaint and mentioned : " This matter has been resolved. We investigated your concerns regarding the services and determined that you did received them and that you are not satisfied. GreenSky can not dispute the quality of goods or services that you received from the provider. If you are having any issues with the services please reach out to the provider for assistance. GreenSky has closed this matter and encourage you to work with the provider on this matter. On behalf of GreenSky we apologize for your experience with the dispute process and your customer service experience. '' " The balance on your account was restored and you are obligated to make monthly payments. '' " I will send you an email later today with your resolution letter for this matter. I cant speak to GreenSkys merchant review process. I can share that every complaint case that comes in is cataloged and reviewed. '' I never did receive any info from XXXX as promised, and I emailed him on XX/XX/XXXX requesting this. I have yet to receive a response. The fact that GreenSky provides services to companies such as XXXX XXXX XXXX ( whom I got scammed ), make me feel that GreenSky doesn't research any company 's legitimacy, and the consumer gets screwed paying the bill. So, GreenSky seems to loans its services to any business. They send you to credit bureau 's while disputing and filing a complaint with GreenSky/XXXX. Their customer support is horrible and they bombard you by calling none stop and even block your email address. And they do not provide any findings from their investigation. I was loaned {$8900.00} for XXXX XXXX XXXX from XXXX XXXX XXXX, which was not a legitimate business, and GreenSky doesn't care, as " services '' were provided. I had paid back {$5300.00} and stopped while disputing. I just paid {$1500.00} on XX/XX/XXXX. As a side note : Being scammed, I should not be held liable for the loan and GreenSky should be the one going after XXXX XXXX XXXX, and not me. But since it seems I have to do this, I wanted the investigation and the resolution info that GreenSky found/performed, so I could use this info to go after XXXX XXXX XXXX ( which I never received ). Any help on who I can contact to go after XXXX XXXX XXXX would be greatly appreciated ...
07/06/2019	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	FL 33626	Web
On XX/XX/19 I entered into an agreement with Home Depot to purchase an Air Conditioning Unit ( contracted through XXXX ). The sales person communicated that financing would be available ( should I qualify ) and quoted terms of 0 % for 36 months. The sales person came to my office to finalize the deal and I decided to accept / apply for the financing at 0 % for 36 months. He called the finance company affiliated with the promotion via Home Depot and the representative asked to verify and confirm my information via the telephone. I asked for him to verbally communicate all required disclosures and terms which he did. After a hold while he checked my credit, he came back on the line and communicated I was approved for a XXXX credit line ( The XXXX representative was present and on speaker phone through out the entire exchange and communicated to only take the amount of the AC unit XXXX in connection with the installation ). I however was interested in completing a few other small projects and inquired about the utilization with other products and services via Home Depot since I was approved up to a XXXX amount which was much higher than the amount of the air conditioning unit I was purchasing. The representative assured me that I would be able to purchase additional items as long as it was withing 30 days and that I would be able to do so with my " project pass '' and / or card to be issued within 7 to 10 business days from XX/XX/19. After speaking with my wife and wanting to take advantage of the favorable financing offered, we decided to purchase a 4-piece kitchen suite on sale during a XX/XX/XXXX promotion expiring on XX/XX/XXXX. Approximately one week later we went to a nearby Home Depot to purchase the kitchen suite ( see attached quote ) under the assumption we could include the cost of purchase with a portion of the remaining credit line. During a 2-hour visit at the Home Depot located on XXXX XXXX the Customer Service representative could not complete the purchase using the credit line and recommended I wait for the actual card that was in the mail to later come back and complete the transaction. It had been communicated to me that I would receive a physical card to do so within 7 to 10 business days from the date of may application ( XX/XX/19 ). On XX/XX/19 I called the financing company and communicated I had not yet received the card and due to upcoming travel plans an the expiration of the XX/XX/XXXX pricing on the items we wanted to purchase, was wanting to consummate the purchase. The service representative ( after verifying my information and reviewing out agreement ) assured me that I could use the " project pass '' ( without the card ) at the store and to go back to the store and complete the transaction. I rushed to the same store and and saw the same representative I had spoken with days before who assisted me and explained the above. He called a representative at the finance company who after a long wait communicated to him that the actual terms of the agreement did not permit additional purchases and she asked to speak with me. Over a 15-20 minute phone conversation I communicated all of the above with that representative and communicated that I was offered a XXXX credit line by her company at 0 % and need to complete purchases at those terms within 30 days in order to take advantage of the offer. She communicated ( for the first time ) that the specific loan plan I was eligible for was only in connection with the Air Conditioning Unit I purchased. I was verbally told something different as evidenced by their approval of a higher credit line to begin with and at the point of sale. This financing incentive was the primary reason I went with The Home Depot for the Air Conditioning service ( which has not been completed to my satisfaction either ) and now they are not allowing me to purchase additional items per the terms disclosed in their verbal or written financing agreement. That representative also communicated that I would not be receiving a card when it had been communicated to me on several previous occasions that I would and as recently on the afternoon of XX/XX/XXXX from " XXXX XXXX '' with her organization.
08/07/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA XXXXX	Web
Greetings, The following statement of fact will provide detailed account of what happened : The solicitation of new services, accessing of an unauthorized {$20000.00} credit line, and the processing of unfavorable loan terms resulting in predatory lending by XXXX XXXX, ( XXXX XXXX XXXX ), and Greensky LLC. What Is Predatory Lending? Predatory lending includes any unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan : I.E. Approaching and enticing an impaired senior during a routine service check on a heating/ac unit purchased within the past ten years that did not require replacement. Let us look at this ; a routine service check with one Tech who checked the unit and waited on someone else to arrive before leaving. Another truck arrives with XXXX who is coming to verify control. According to him, this was checking to make sure I am receiving a balance of air flow on both levels throughout the house. While talking to me, I was asked for my social. I paused, but I provided it not knowing the individual was checking to see if I could be approved for a line of credit. I never authorized the credit check because if I needed a new unit and required a loan, I would have used my own institution to provide me with the funding. Once XXXX had determined I was a viable credit source, I was told about some fantastic promo that I should take advantage of and that it was the last day so I had to move quickly on the deal. Question : why did two employees from XXXX show up at my home on that day? Was it to lure me into this situation I am currently in? Was it really the last day for the promo? Did I really need to move quickly and why was this such a great deal??? that they otherwise are unable to pay back reasonably. In many cases, a predatory loan is often one that carries high fees, a high-interest rate, strips the borrower of equity, or places the borrower in a lower credit-rated loan to the benefit of the lender. I.E. XXXX initially had intentions to sign me up for XXXX XXXX but this was quickly switched over to Greensky for the loan agreement after receiving a call from him the very next day requesting that I use Greensky to obtain the promo. Since the inception of the loan, Greensky has sent numerous notices creating confusion about payment deadlines, switched the payment address multiple times, imposed excessive late fees, high interest, unreasonable loan terms for {$7200.00} unit to be paid back in ten years as well as accessed a {$20000.00} line of credit against my credit. The terms of the loan were predicated based on an extensive line of credit and not on the actual amount borrowed. So, I am locked into a deal for {$20000.00}, but I only utilized {$7200.00}??? I was approved for a line of credit that I never had access to, as all communications of this credit line were negotiated and controlled directly between XXXX XXXX XXXX and Greensky??? As with most things of a dishonest nature, new and different predatory lending schemes frequently arise. I.E. The above statement is true, as Greensky has been cited for unscrupulous acts before in other states. And, once again they have taken advantage of a Senior with the assistance of XXXX XXXX XXXX XXXX Bottom line, there was no apparent or urgent need to purchase a new heating and cooling unit. Based upon the terms of this unwarranted loan, I will be close to XXXX years old before it is paid in full. In addition to this, I will have paid well over the {$7200.00} and will I need another one by then??? This situation is merely padding the pockets of individuals who care nothing about the needs of the aging community but more about increased profits and market growth. I was never given time or opportunity to clearly review and to accept or deny the offer but was rushed into a purchase for the purpose of sales/profits. Thank you for your understanding and immediate resolution in this matter.
12/20/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 212XX	Web
Green Sky, LLC ( https : //www.greensky.com/ ) lending in corporation with XXXX XXXX ( XXXX XXXX XXXX ), an XXXX ( XXXX XXXX XXXX ) authorized provider of consumer security systems, had me sign paperwork to enter into an agreement with GreenSky , LLC for an extensive line of credit worth thousands of dollars without my knowledge under the pretense that I was only financing two smoke detectors for {$190.00} each ( not including tax and installation ). The XXXX/XXXX XXXX provider indicated that XXXX does not " sell '' smoke detectors. Instead GreenSky , LLC lending purchases the smoke detectors and finances the purchases, while XXXX does the monitoring. I was told by the XXXX XXXX representative that GreenSky , LLC lending would send me a monthly bill for {$11.00} for 36 months at 0 interest either online via the GreenSky portal or I could request a paper copy of the monthly bill through XXXX. This {$11.00} would cover the cost of financing for the two smoke detectors. So, I financed the purchase of XXXX smoke detectors. Within an hour after installation, I got a congratulatory notice via email from GreenSky stating that I got approved for and entered into an agreement with them for an {$8500.00} line of credit at a monthly billing cycle of {$230.00}. Additionally, within the same hour, I also received a bill from XXXX XXXX for {$420.00} for the two smoke detectors. Several things were wrong with this marketing : 1. I was only told about the cost of the two smoke detectors, not the line of credit nor its amount. The line of credit GreenSky took out on me was {$8500.00} ; however, the cost of the two smoke detectors was {$420.00}. The disparity clearly takes advantage of a consumer 's ability to preserve his/her financial liquidity. 2. GreenSky determined the amount of the line of credit. During the XXXX XXXX marketing discussion, I was not able to negotiate the line of credit GreenSky took out, nor did I enter any numeric dollar amount on the keypad which would have allowed me to control the amount of the line of credit. 3. The line of credit GreenSky took out was extensive and would clearly impact on the amount of available credit I would have access to for other issues moving forward in the future. 4. When I contacted GreenSky, their representative stated that the agreement I entered into with did not allow me to lower my line of credit comparable to the purchase of the two smoke detectors. The representative stated, " by law '' I had to take out a line of credit totaling {$3500.00} dollars based on the loan product. Within the hour of purchasing my agreement, I immediately cancelled my loan, notified XXXX XXXX and XXXX headquarters. I forwarded documentation of my double billing to a XXXX XXXX representative and manager and communicated my concern to two other XXXX managers, one of which was at headquarters in the XXXX XXXX XXXX, CA corporate office. I also had to call GreenSky twice because the first time I called, they merely deactivated my account instead of actually cancelling it. The second time I called, I stayed on the phone until I received an email from a GreenSky representative stating that my account was indeed cancelled. When I researched GreenSky on the XXXX XXXX XXXX website, there was a pending Government Action regarding fraudulent behavior against consumers. If I had not cancelled my line of credit and loan agreement with GreenSky, both XXXX XXXX and GreenSky would have double billed me. Moreover, the {$230.00} invoice from GreenSky looked like a bill, so savvy consumers would have difficulty distinguishing between a monthly invoice for a line of credit ( that may not even be used ) and the $ XXXX monthly bill for the two smoke detectors. It was communicated to me by a XXXX XXXX manager that this scheme was being implemented via partnership between GreenSky and XXXX XXXX as a " pilot program. ''
04/28/2020	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 604XX	Web
On XX/XX/XXXX of this year ( 2020 ) we needed a new furnace, not able to pay for one out of pocket we found a company with a great price {$12000.00} and proceeded with the financing. We financed through GreenSky and were approved for {$14000.00}. While doing the financing process and hearing the parameters of the financing I explained to the finance person on the phone that the terms that she informed me of ( XXXX financing, the first five months were INTEREST FREE and the remaining 79 months would be interest and principal ) was the only way my fiance and I could financially afford this. The first 5 months of payments after her configuration were $ XXXXmonth and then the remaining 79 months were going to be $ XXXX/month. I explained everything to my fiance and we decided that it was something that was manageable for us. We gave the HVAC company the go ahead and set up for installation 2 days later. Everything is all said and done and about 2 weeks later on XX/XX/XXXX we received our first statement in the mail. After reviewing the statement my fiance and I decided that there was something very wrong. We were charged {$100.00} in interest charges and it said the balance due was {$210.00}. I made a call to GreenSky that night and explained to the customer service representative over the phone everything that we were informed of when we did the financing and the representative that answered the phone and along with his manger both agreed that there was something very wrong with our statement. Unfortunately though I was calling at almost XXXX CST so there was no one in the finance department that they could transfer me to and suggested I call back on Monday and explain everything to them again just as I had done in my call that evening. Monday comes and I call again and explain to another customer service representative exactly what I had relayed on Saturday night and she started looking into the account as well. She came back and said yes, our statement was incorrect. The interest charge should have been {$210.00} and said that it was a printing issue on our statement. I asked to speak to someone above her because she started telling me that the " plan '' we signed up for did not exist. I then get transferred to a finance case manager named XXXX, and he begins to tell me that I was mistaken, there was no plan like I was describing the only 84-month financing they offer had a 5 month interest ONLY promotion and that was what I was signed up for. I explained to him that I was informed that these phone calls are MONITORED AND RECORDED and to find the recording from the date I applied for the financing and to listen to what their FINANCE OFFICER explained to me.In the mean time my fiance and I filed a dispute in writing against this company and mailed that off to them. About 2 or so weeks go by and I finally get another phone call from XXXX explaining that yes, I was correct in what I was told, I was not mistaken or confused, BUT as it happens his finance officer was using an OUT DATED finance program! They had also received our dispute letter in the mail and our account was now going to go under investigation. Well over a month later, bringing us to today/ XX/XX/2020 I received ANOTHER phone call from XXXX the case manager at GreenSky . He said that unfortunately yes, even though we were given the wrong information and loan agreement explanation that there was nothing that they could or would do. I told him that since his company lied to me, and he heard it for himself in the recording that they recovered from my date of application and there was no way for them to revert my loan to the original terms agreed to then LEGALLY they should forgive the loan. We've filed a second dispute claim that will be mailed off tomorrow as a result of their dispute investigation findings.
12/30/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46304	Web
In XX/XX/XXXX an account was opened thru GreenSky for windows and siding with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. with differed interest for 18 months acct ending XXXX. On XX/XX/XXXX GreenSky allowed an unauthorized draw to the merchant for {$16000.00} vs {$11000.00} for an overage of {$5000.00}. Through the dispute process GreenSky admitted their error and credited the account back the {$5000.00} as a payment on XX/XX/XXXX vs backdating to the draw date of XX/XX/XXXX so that interest accrual for the differed interest would be correct. I was informed that they could not back date and all deferred interest would be waived. On my statement of XX/XX/XXXX it reflects deferred interest of {$640.00} is still listed. I have questioned it and no reply. It has also been found that GreenSky did a change in terms on this account when they changed the Complete Purchased by date from XX/XX/XXXX to XX/XX/XXXX without my authorization to allow the merchant to request an additional draw. That draw was not acknowledged or approved. On XXXX XXXX while reviewing the account on line I found a second account ( XXXX ) listed and documents with my name with a new account number, different rate, different term and different lender than the account I signed for in XXXX but for the same amount of {$32000.00}. I immediately contacted GreenSky and I was told in an email by XXXX XXXX she would investigate and would close and block the unauthorized account immediately and a letter of confirmation would be sent. It has not been received and the account is open and active. The next day when I checked the account it had a {$21000.00} balance owning and the original account showed XXXX. She assured me that no activity would happen on the account and to disregard the texts and emails requesting I confirm and authorize this fraudulent account. I did not. I was then told that a GreenSky Sales person created the account with completely different terms dated XX/XX/XXXX on the " impression '' from the merchant that I was in agreement with a new loan. I was not contacted by GreenSky or the Merchant about a new account. Many texts and emails were received requesting activation of this account, I replied to none of them as she stated that they were system generated. The next day XX/XX/XXXX the account has a balance owing of {$21000.00}. The account portal provided copies of the documents with totally different terms and rate. I was informed by XXXX that the salesman " rebooked '' the account. There is no rebooking, the original loan is still active and open, the balance is now XXXX, but terms and conditions of this unauthorized fraudulent loan are from a different lender with totally different terms and conditions. I noticed that my credit was also ran again. When I questioned it I was told no that it was not and they used the original report from the first loan that was initiated in XX/XX/XXXX but the credit disclosure states XXXX was ran on XX/XX/XXXX. I have asked for clarification on all of the irregularities and mis information and asked them to provide documentation for the loan that shows why this account was created on " intention and assumption vs proper authorization by the customer. Unauthorized Accounts created and transacted upon are not legal and are fraudulent. The additional inquiry and established account will hurt my credit scores and I am told that they are working on it and given the excuse that it is a staffing issue. I see that GreenSky was fined by the CFBP for this exact type of behavior in XX/XX/XXXX. This is proof that it is till happening. I am not sure why Greensky sales staff would create unauthorized loans on the " intention '' that they received by talking to a merchant. This type of lending is still happening is still happening with them today even after your findings.
01/20/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98115	Web
I am filing a complaint against Greensky Credit for failing to comply with repeated requests to have my name removed from an account that was opened fraudulently. In XX/XX/XXXX, I was a victim of identity theft. Over 20 credit cards/loans were fraudulently applied for in my name. Every single one has since been cleared except Greensky Credit/Home Depot, who has refused to clear my name from the account despite receiving multiple disputes, letters, phone calls, and clear proof that I could not have been responsible for any of the charges. My personal information was used to apply for a project loan from the Home Depot on XX/XX/XXXX. Purchases were made with this credit card/loan over 5 consecutive days at 4 different locations, totaling {$14000.00}. I did not make these charges and have never visited any of the cited Home Depot locations. I am a XXXX and was working on the 5 days during which the charges were made. My attached absence report from our school secretary shows that I was only absent from work on 2 days in XX/XX/XXXX and XXXX, proving that I was at work on the days when the purchases were made and could not have been responsible. Additionally, none of the Home Depot locations are within a plausible distance of my home or work. The nearest Home Depot to my home in XXXX, WA is 2.7 miles away. The nearest Home Depot to my work in XXXX, Washington is 2.9 miles away. Yet the identity thief spent 5 days shopping at 4 different locations very far from my home and work. Home Depot # XXXX is 36 miles away from home. Home Depot # XXXX is 27 miles from home. Home Depot # XXXX is 30 miles from home. Home Depot # XXXX is 20 miles from home. This alone should have been flagged as suspicious activity. Greensky Credit insists that the debt is my own because they have a " 100 % verified phone call from my home phone number on XX/XX/XXXX during which I called to verify that the loan had gone through. '' I did not make this phone call, and I have not lived at the address corresponding to this landline for 11 years. I have a XXXX phone record from that landline to prove that no such call was made by me ( or anyone else at that location ), as there are no incoming or outgoing calls to or from the Home Depot or any related entities on XXXX. The email associated with the opening of my account, XXXX, is not my own. The phone number used to open the account is not mine. One of the bills collecting debt is addressed to XXXX at XXXX, which is not me. Despite all of these clear and significant discrepancies, my requests to have my name cleared of all charges on this account have been denied multiple times by Greensky Credit, who handles the Home Depot 's accounts. For the past 14 months, Greensky credit has refused to comply with my requests to clear my name from this account or release my records in writing to me. As you can see from my communication log ( starting XX/XX/XXXX when it became clear they would not cooperate ), they do not return my phone calls and have failed to provide any real service to help me with my identity theft case. For my part, I have been very cooperative and have provided Home Depot/Greensky with two dispute processing forms which include a detailed explanatory letter, two police reports, an IRS identity theft letter, and letters from 15 other creditors involved in this case who have helpfully and promptly cleared my name. This information, along with my XXXX phone record from XX/XX/XXXX, absence report from my employer which shows that I was at school during the days when the charges were placed, and notarized Identity Theft Affidavit should be sufficient proof to remove my name from this account. However, the attached communication log indicates the blatant lack of customer service and support for victims of identity theft.
06/27/2018	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91744	Web	Older American
On XX/XX/XXXX I disputed the {$16000.00} amount charged for the roofing job including fixing some rotten wood areas, to The XXXX XXXX Project loan managed by Green Sky and XXXX XXXX XXXX, a temporary credit was issued for the amount paid from XX/XX/XXXX to XX/XX/XXXX, now the companies mentioned above reversed the credit on XX/XX/XXXX forcing me to pay but the problem is why should I pay if XXXX XXXX has not done the re roofing job. Facts : My daughter and I signed roofing job contract with XXXX XXXX XX/XX/XXXX, a crew started to work on XX/XX/XXXX in one afternoon they removed the old shingles and piled up the new materials on a naked roof and left it for almost a month, at the end of XX/XX/XXXX two people came back to work and took them, close to 4 weeks to finish the roofing job, the compromise was that once they remove the old shingles the job will be done in one week and that was not the case with us. After job was done the roof shows uneven parts, shingles lifted and the metal ridge was also uneven, ad when the rain came in XX/XX/XXXX we have a large water paddle in the garage and in the patio cover area, in other words a no professional roofing job, a complain was issue with XXXX XXXX but the XXXX XXXX manager in charge responded that based on the XXXX XXXX standard, the job was well done, after a year we filed a complain with California Contractor State License Board. XXXX XXXX offered me to hire a forensic independent roofer inspector, stipulating that they will reimburse the cost of the inspection. Based on the inspection report, XXXX XXXX offered to Re Roof my home, an agreement was signed on XX/XX/XXXX, it was verbally stated that it will take a week for them to gather the material, probably they still gathering the material because until now the re roof has not been done. There have been some incidents with XXXX XXXX, Since XX/XX/XXXX to XX/XX/XXXX there was no communication with XXXX XXXX and no response to an email I sent 3 weeks after the agreement, earlier XX/XX/XXXX I sent to all parties involved a notification via e mail that due to family matters I was going overseas from XX/XX/XXXX to XX/XX/XXXX, on XX/XX/XXXX without notification a man came to my doors stating that he was sent by XXXX XXXX to do the roofing job, that was two day before my departure I did not allow them for the following reason, first for my departure and second I was not informed by XXXX XXXX. Same goes with Green Sky they called me left message when I respond the person I suppose to speak not is his or her desk they don't take message. The same person shows up without notification on Saturday XX/XX/XXXX, nobody at home my sister in law arrive he approached my sister in law and told her that he had my authorization to go into my home due to that he was allowed to go inside went on to the roof took pictures and left, Let me be clear I did not authorize anybody to come to my home, on XX/XX/XXXX same person no notification came I was at home he introduced him self as the person that will do the roofing job he went to the roof again and took pictures after a conversation he ask me to clear the drive way that in the next morning he will come with the new material and a truck to dispose the old material, 40 minutes later he came back stating that XXXX XXXX installation manager told him not to do the job. This has been my ordeal with XXXX XXXX and The XXXX XXXX Loan project managed by Green Sky and XXXX XXXX XXXX. Based on the new agreement signed on XX/XX/XXXX to XX/XX/XXXX more than seven months XXXX XXXX Breached the contract the first time XX/XX/XXXX and the second time on XX/XX/XXXX this situation has been going on for two years now and it is time to ended and I will appreciate your help on this matter.
10/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web
I noticed an account on my report by the name of XXXX/GREENSKY back in XXXX of XXXX. I saw it was a fraudulent account and I sent in my identity theft affidavit to all 3 credit bureaus and letter explaining what was happening and the account was removed on XX/XX/XXXX. On XX/XX/XXXX, I saw the same account reported back on my credit report as updated and showing negative. I immediately reached out to the company and one of the representatives was suppose to reach back out to me and send me some forms by mail to fill out and send back. I never received anything from them. As time went on and many disputes later the account still remained on my credit report. I have sent this company so many dispute letters showing this was fraud and asking for proof of this debt and I never received anything. As soon as this company receives the dispute they update the account within the same day or a day or two later. They never send over any proof or anything. On XX/XX/XXXX I had a XXXX XXXX reach out to me stating they received the dispute letter but needed me to sign a authorization from my healthcare provider to share information with them. As the disclosure of medical information by my provider is protected by federal law I would need to sign the form as soon as possible. I informed her that I wouldn't sign anything due to the fact that they haven't provided me any information about the account and this is a fraudulent account. I communicated with XXXX XXXX back and forth to email asking her to send over any information she had pertaining to this account because it was a fraudulent. It was basically back and forth and the company stalling me about sending this information over to me. On XX/XX/XXXX I heard back from XXXX XXXX sending me over a one page letter showing a transaction form and a signature that was not mine and asking for the affidavit and police report. I sent that over to her via postal service and never heard anything back from them. I disputed the account again only to have them validate it the same day as a valid account. So I emailed them again only for them to tell me they investigated my concerns and determined the loan was valid, and this came from a XXXX XXXX. So emailed her back asking exactly how did they verify and what did they verify, and never head anything back. Upon doing some research I reached out to the owner of GreenSky financial via email, XXXX XXXX, and informed him what was going on. On XX/XX/XXXX I received an email from a XXXX XXXX, in the email it contained the documents I had been asking for. Upon checking the documents, I see the Drivers license used to obtain this loan is actually not my drivers license. I informed XXXX XXXX of this via email that this is not my Drivers license. I was told to send over a copy of my police report and a copy of my ID. I sent my ID over via fax and I sent another copy of my ID and a copy of the police report via USPS certified mail, tracking number XXXX. I followed up with XXXX XXXX to see if they received my information, she informed me they did receive the ID via fax and she was forwarding it over to the right department. Well a couple of weeks went by and I hadn't had a update. So I reached back out to XXXX XXXX via email to see if there was an update, she informed me that they weren't able to see my ID clearly and I needed to send a better copy. By now I'm livid because this has been going on too long and Greensky is really non compliant with this account. They don't care that this is a fraudulent account and I have sent over all necessary paper work and they still are giving me the run around and it's a issue with everything I send over. I want this account removed from my credit report.
05/26/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	ME 046XX	Web
On Sunday XXXX XXXX, 2016 I applied for the Home Depot Project loan and got approved for {$10000.00}. On Friday XXXX XXXX I got the Project Loan card in the mail and planed to use it on Saturday XXXX XXXX. While at the XXXX XXXX XXXX in XXXX I swiped my new Project Loan card to use and it was declined. I went up to the customer service desk to see if they could help. They let me use their phone to call the Project Loan customer services. After being bounced around and put on hold for about 20 minutes I was transferred to XXXX. XXXX asked for my cell phone number and asked if I had any other cell phone, I answered no. About 5 minutes later XXXX informed me that my account was closed and that was all he could tell me. I asked for his supervisor and he told me that he did not have one. I argued that it was ridiculous that I could not be told the reason why the account was closed when it was just opened, he still refused to tell me why. After hanging up the phone I decided to call the cards customer service back. After about 10 minutes the woman on my account told me that I was being transferred to the fraud protection department. After I finally was transferred the woman on their side told me that my account was closed because the phone number on my account did n't match the number I was calling from. The first time I called I was using the XXXX XXXX phone. I also forgot that my cell phone has XXXX phone numbers, my XXXX voice number and the number that was assigned to my phone. I asked if that was the problem and the woman still could not fully tell me why my account was closed. I asked her if I could reapply for the loan and she said that she could not advise me on that. I decided to reapply for the loan through the store. I applied again and put both cell phone numbers on the application. I was approved again for {$10000.00}. I had to call the card customer service again to activate my card. I had to answer several questions to prove my identity such as what vehicle is registered to my address, my brothers age, and my hair color. The card was activated and I was able to put {$420.00} on my loan account. On Friday XXXX XXXX I received my me card in the mail. As soon as I received the card I called the card customer services to ask if the card had to be approved. They said that since I already used the card that I did not need to activate the new card and that it should work at the store. On Saturday XXXX XXXX I went to the XXXX store again to try and get some supplies for the house I 'm renovating. Swiped the card and it was declined again. I called the card services again and the gentleman told me that my application could not go any further until I had a landline phone number in my name. I thought that was ridiculous because many people I know do not have land line phone numbers. While I was on hold the gentleman from the loan services called my mothers home in XXXX asking for me. She told them that I did not live there and that I had n't lived there in 10 years. When the gentleman took me off hold and told me that he had contacted my mother I was livid. I asked him why on earth he would call my mother or even have her number. He informed me that my mothers home phone number is XXXX of the XXXX numbers that I can contact him from in order for my loan application to be approved ( I already was approved ). The other phone number he would except was a XXXX phone number I had over a year ago. I feel that it is a bit ridiculous that they will only allow me to use the loan I was approved for if I called them from my mothers phone number. I asked why they could not accept my phone number and they said that it was not a legitimate phone number.
02/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CO 801XX	Web	Older American
This is the body of my letter to Greensky which describes the fraudulent business practice of the company. XX/XX/XXXX Greensky XXXX XXXX XXXX XXXX, Georgia XXXX Gentlemen, I am in receipt of your letter XX/XX/XXXX, where in you indicate I had not paid my account in full on or before the expiration of the amortization period ending on XX/XX/XXXX. As a result, you state I have a remaining balance, consisting primarily of finance charges, in the amount of {$900.00}. I dispute this amount and suggest that your business practice of returning funds to me that were had previously been paid is fraudulent. A complaint is being filed with the United States Consumer Financial Protection Bureau seeking redress to myself and other consumers who may have been negatively impacted by a pattern of practice meant to create an appearance where their loans were not fully paid, resulting in the collection of interest and fees that should have been waived upon payment of their accounts. My assertation is based on the following : XXXX XX/XX/XXXX, I contracted with XXXX by XXXX to purchase windows in the amount of {$10.00}, XXXX. This was to be financed through XXXX with all interest being waived is the principal balance was paid in full within XXXX year. The schedule of payments, see page XXXX, demonstrates consistent periodic payments of between {$250.00} and {$1000.00} between XX/XX/XXXX and XX/XX/XXXX. A total of XXXX payments were made using New York XXXX Bank and XXXX where electronic payments were made and confirmation numbers were generated upon payment to XXXX. Payments totaled {$10000.00} in this period. The final payment had fulfilled the terms of the account with payment of the entire principal prior to the end of the XXXX year period. XXXX generated check XXXX, dated XX/XX/XXXX, in the amount of {$250.00} and payable to XXXX XXXX. An image of the negotiated item was recovered from XXXX XXXX XXXX XXXX and is attached to page XXXX herein. XXXX provided no explanation for this check. Thus, the implied purpose was refund of an overpayment. XXXX XX/XX/XXXX, I reviewed my XXXX statement and saw what was purported to be an outstanding principal balance of {$250.00} as well as interest now owed. I contacted XXXX by telephone at ( XXXX ) XXXX to seek a better understanding of my account. I was told the account had not been paid in full and interest was due. I asked why a check in the amount of {$250.00} had been issued to me by XXXX. I advised them that that check appeared to create an outstanding principal and would then appear to negate the full payment of my account prior to the end of the XXXX year period for which all accrued interest and fees would be waived. The XXXX representative said there was no evidence in her file that any funds had been sent to me. A grace period of 30 days was said to exist for full payment to be made. What appears to have happened is that I paid the full principal of my account on XX/XX/XXXX, which would have warranted the waiving of interest and fees in the amount of {$650.00}. Thus, XXXX generated a refund payment of {$250.00} to create an unpaid balance in an effort to collect funds that should have been waived. This appears to be a fraudulent business practice, involving the mail service of the United States and XXXX be subject to other criminal/civil remedies of the XXXX XXXX XXXX Therefore, I ask XXXX to recognize their actions, waive all outstanding interest and other charges and fees and to remove any negative or derogatory information that XXXX have been submitted to any credit bureau or credit reporting business. Your prompt response is appreciated. XXXX XXXX XXXX
07/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NV 89128	Web
On XX/XX/19, I applied for a Home Improvement loan in order to finance the installation of a new HVAC system. I was referred to GreenSky Financial by the vendor of the HVAC system. ( GreenSky uses home improvement pros to offer and effectively market their home improvement loan services. ) I was approved for the loan of {$4400.00} ( the amount I needed for the HVAC system ) the same day, XX/XX/19. In fact, GreenSky emailed to me the notification of my account being activated and also emailed to me the " Shopping Pass '' - which looks like a Master Card - to give to the HVAC vendor in order to pay for the HVAC system - on the same day, XX/XX/19. ( Copy attached to this complaint ) After obtaining this approval, the account activation, and the Shopping Pass, I contacted the vendor ( XXXX XXXX XXXX of XXXX XXXX, NV ) to arrange for the HVAC installation to be done. The installation was done on XX/XX/19. Six days later - on XX/XX/19, XXXX 's XXXX called me to say that GreenSky was refusing to pay them and I needed to call GreenSky to try to rectify the situation. This seemed very odd to me since everything was approved by GreenSky. ( I had even spoken on the phone to a GreenSky Rep on XX/XX/19 to insure the account was activated and ready to use! ) This was quite embarrassing. I went on the GreenSky web site and attempted to log in to my account - which I had been able to previously. Instead, the web site said that I had to call an " XXXX '' number to activate the account. I called the number. The Rep said that they had to ask me more questions to activate my account. I told them that my account was already activated on XX/XX/19 and that my vendor ( XXXX XXXX XXXX ) needed to be paid IMMEDIATELY in accordance with the approval and activation documents I received on XX/XX/19. I asked WHY they needed any more of my confidential information since I had already been approved? They provided no answer. They said they just needed to ask me a few more questions in order to activate the account. I was beyond irate. They asked if I had any " Professional Certifications ''. Huh? They also asked about my sister-in-law, who lives a few miles away from me in XXXX XXXX. They wanted to know her birth date and social security number. In response, I asked them what kind of a SCAM they were running and if they were using their position at GreenSky in order to defraud me and/or others. Finally, they relented and said that they had " re-activated '' my account. I asked if this meant that my vendor would now be paid - as they had previously promised on XX/XX/19. They said yes. I then called XXXX XXXX XXXX and told them to try the " Shopping Pass '' again. Needless to say, not only was I embarrassed, but was ... .and still continue to be worried ... .. that my confidential information might be used by GreenSky ... or those that they employ ... in a financial scam. Furthurmore, despite my concerns being very forcefully explained to GreenSky on the phone ... .and in writing ( via their emailed " Survey ), I have heard NOTHING from GreenSky . No apology, no acknowledgement, NOTHING. Please contact them and find out the story. I have no idea if they are running a scam - but they CLEARLY could care less about my very real concerns. THIS is the worst part of it - acting like this never happened. At the very least, whoever decided to say " Just Kidding '' to both me and my vendor ... should be FIRED.
02/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91030	Web
On XXXX XXXX, XXXX, a staff from XXXX XXXX XXXX emailed me a revised invoice for an amount of {$6700.00}. I responded to her on XXXX XXXX, XXXX stating that I was traveling during the holiday season and would be back home XXXX XXXX, XXXX. I would issue a personal check for the payment since the amount could be over my credit line. In her email on XXXX XXXX, XXXX she wrote, Your GreenSky has reached its limit. Upon your return please send us a check for the balance due of {$1700.00}. This new payment amount alarmed me, and I checked my GreenSky credit account to see that XXXX XXXX XXXX withdrew {$5000.00} with neither my authorization nor any prior notice on the same day they emailed me the invoice. I contacted the staff from XXXX XXXX XXXX on XXXX XXXX, XXXX reminded her it was unlawful to charge money without customer authorization. She apologized and told me that the staff member who conducted the activity is no longer working at the company because of this. She asked me to advise her if I would like the money to be refunded to my GreenSky account. On XXXX XXXX I notified her to refund the {$5000.00} to my GreenSky credit account. She agreed and told me she would pass it on to the accounting department, as stated in her email from XXXX, XXXX On XXXX XXXX, XXXX, I emailed her that I checked with GreenSky that there was still no refund inquiry from XXXX XXXX XXXX XXXX my account and requested her to make the refund once again. A different staff from XXXX XXXX XXXX responded to me on XXXX, XXXX. She intended to ignore the incorrect charge. Without making any refunds, she asked me to send a check of {$1700.00} instead. Also, while it isnt directly related to the GreenSky situation, Id like to let them know the circumstances that brought this on : XXXX XXXX XXXX performed foundation remediation work on my house. There are 7 piers, which they installed incorrectly according to the engineering plan. The contractor did not remove the footing of the stem wall before installing the bracket, which meant the contractor did not follow the instructions or meet the requirements of the plan. It is currently undergoing investigation by the Building Department of City of XXXX XXXX right now. The job is not finished yet. I have emailed and notified XXXX XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called GreenSky Customer Service to request a dispute on the unlawful {$5000.00} charge. The supervisor, Mrs. XXXX, answered and made a 3-way conference call with the staff of XXXX XXXX XXXX. I explained the situation as mentioned above and confirmed that I did not authorize the XXXX charge, with which the staff of XXXX XXXX XXXX.agreed, and she emphasized that the employee who allowed the charge to be made ( Ms . XXXX. ) left the company because of this. However, the supervisor of GreenSky rejected the dispute request. She agreed with the staff of XXXX XXXX XXXX, who said, the job is done and did not mention GreenSkys policy which protects its customer from such unlawful charges as this : YOU HAVE XXXX LIABILITY FOR TRANSACTION THAT YOU DO NOT AUTHORIZE. Regardless of the incorrect installation of XXXX XXXX XXXX did, which did not meet the satisfaction of the customer, did not meet the requirements of the engineering plan, and is now under investigation of the Building Department of City of XXXX XXXX, it is an illegal charge without customer authorization.
12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web	Servicemember
To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA '' ), Fair Debt Collection Practices Act ( " FDCPA ), Fair and Accurate Credit Transactions Act ( " FACTA '' ) I am exercising my lawful right to request removal of any trade lines of this account on my credit report including inquiry records and collection notices being reported to the four XXXX XXXX XXXX XXXX ( " CRA '' ) : XXXX, XXXX, XXXX, and XXXX. This request is due to the fact that the above-referenced account is fraudulent and a case of identity theft. I did not put this in writing sooner because I was unaware of the fraudulent activity until I contacted the original creditor. I also received, in writing, a partial debt validation from your agency. Besides, I did not know what recourse was available to me as an identity theft victim. I HEREBY AFFIRM 1. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods, or services described in the account listed above ; 2. I did not receive any benefit, money, goods, or services as a result of the events described in the account listed above ; 3. I don't know how this fraud happened ; 4. I don't know who is responsible for this fraud. The XXXX amendment to the nationally approved FACTA ( effective XX/XX/2004 ) will require compliance with this request within 30 days. Further, credit issuers must provide that documentation and information to a police agency designated by the impersonated party. In lieu of a police report, an official affidavit filed with the Federal Trade Commission - Case Number : FTC Case Number DEMAND 1. Stop the debt collection activity that abusing and harassing me ; 2. I am a victim of identity theft, and I am requesting that the tradeline be removed from my credit report. All inaccurate information, invalid marks and collection notices reported by your agency to any of the National Credit Reporting Agencies, has to be deleted immediately by your offices. Once resolved, I expect a letter of clearance to be issued within fifteen ( 15 ) days ; 3. Do not sell, distribute, trade, exchange, share, donate, giveaway, and/or transfer information about this fraudulent account with any other entity ; 4. Finally, remove all of my personal information from your company records. Please be advised that continued reporting of this account to the CRA 's as collection items is considered a violation of the State and Federal laws in accordance with the FCRA, FDCPA, and FACTA. If you fail to comply with my demands, I will not hesitate in bringing legal, lawful, and administrative actions against your firm as well as the individuals responsible for damage s to my person. I believe you know if I sue your company in Small or District Court, I can recover actual damages '', including court costs, attorney 's fees, intentional infliction of XXXX XXXX and other diminishes of the quality of my life. In the case of truly outrageous behavior, I can recover " punitive damages '' meant to punish malicious and/or willful conduct. I declare under penalty of perjury that this declaration is true and correct to the best of my knowledge. Knowingly submitting false information on this affidavit could subject me to criminal prosecution for perjury. I am waiting for your immediate action to my demands within fifteen ( 15 ) calendar days from the receiving of this letter.
02/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 432XX	Web
On XX/XX/XXXX, we entered into an agreement with Greensky to accept funding for a {$25000.00} project to renovate our basement with XXXX XXXX of XXXX. Work was scheduled to begin XX/XX/XXXX. Greensky offered a promotional financing plan that provided 6 months of no payments on the loan after the project is complete and XXXX XXXX of XXXX is paid upon the completion of the work. On XX/XX/XXXX, XXXX XXXX of XXXX, without consent from the homeowner, accessed the Loan for services unknown to us and did not appear on property until XX/XX/XXXX. XXXX XXXX told us the job would take 5 days to complete. For the first 4 days, there was a crew of 5 men working on the project. On the 5th day, when it was evident the project would not complete, a crew of approximately 12 men were on premise rushing through the project. At the end of the day, XXXX XXXX left the project and acknowledged additional work was to be completed and that it would be scheduled for the following week. On XX/XX/XXXX, we contacted Greensky and filed a formal complaint that the work was not completed and not satisfactory and provided a number of photos to show the poor and incomplete work. Greensky notified XXXX who sent another 2 men to finish the job. After a day on premise they announced that they could not complete any more work and that a supervisor would have to come and look over the job. The supervisor arrived on XX/XX/XXXX and confirmed the work was not completed properly and was inadequate for what we purchased. XXXX then attempted to schedule the crew to finish the job on XX/XX/XXXX which we refused and told them they needed to finish the job in XXXX. On XX/XX/XXXX, XXXX returned and completed what would be arguable a really poor job by taping the wall together. On XX/XX/XXXX, without consent from the homewoner, Greensky released the full {$23000.00} for the loan to XXXX despite the knowledge that we were not satisfied and that the job was utterly incomplete. On XX/XX/XXXX, we received a statement from Greensky that concluded our promotional period ended on XX/XX/XXXX 6 months after the first draft was taken against the loan. Greensky, in the statement, shows that we owe {$1500.00} in accrued finance charges as Greensky applied interest on the full loan amount starting on XX/XX/XXXX despite the fact that neither we or XXXX had possession of the funds - they charged us interest on a loan that they held the money on. XXXX committed in their agreement that the work will be done within 180 days from XX/XX/XXXX and they finished the job 213 days later on XX/XX/XXXX. Greensky, in their notice to us told us that the purchases had to be complete by XX/XX/XXXX and at no time did we authorize Greensky to continue beyond that point. Greensky is illegally charging interest on loan amounts where no funds were dispersed to either the contractor or the homeowner. Greensky and XXXX Waterproofing fraudulently advertised a 6 month no payments period AFTER THE COMPLETION OF THE WORK. Greensky knowingly distributed funds for an incomplete job and is now trying to charge interest on the full amount of the loan to XX/XX/XXXX. XXXX knowingly requested payment with the knowledge the job was not complete. XXXX spent a total of 5 days in XXXX on the job and another 5 days in XXXX and XXXX.
10/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 221XX	Web	Older American
On XX/XX/2018, I signed a contract with XXXX XXXX XXXX XXXX to replace two front doors of my home. The contract was for a total of {$9400.00}. At the time of signing the contract, I immediately paid {$5000.00} and left an outstanding balance of {$4400.00}. XXXX XXXX offered me a promotion to pay the balance in 6 months without interest or penalties. I accepted that facility, but at that time XXXX XXXX did not give me any details of how that facility would work. On XX/XX/2018 I received an email from XXXX XXXX informing me about the person who would be the Coordinator of my project, the instructions for the day of the installation of my project and the instructions for the final payment. For the final payment, XXXX XXXX informed me that I would have to pay the total balance through a personal check or through a financing with XXXX or XXXX ( I interpreted that they were financial firms that XXXX XXXX uses ). In the meantime, I received an email directly from a GreenSky company, unknown to me, mentioning my operation with XXXX XXXX and offering me a line of credit for {$10000.00}. This GreenSky company even already assigned me an account number to activate the line. I was confused. I did not know this GreenSky company, nobody in XXXX XXXX had informed me and it was not either of the two companies ( XXXX or XXXX ) that appeared in the final payment instructions sent to me, in writing, by XXXX XXXX on XX/XX/2018. On XX/XX/2018 I wrote an email to XXXX XXXX asking them to inform me who GreenSky was, because I was offered a line of credit and what was the relationship of that firm with XXXX or XXXX. No one from XXXX XXXX answered anything. On XX/XX/2018, I wrote back to XXXX XXXX an email asking about the payment method of the final balance and nobody answered me. On XX/XX/2018 XXXX XXXX installed the doors in my house and that same day the Installation Team Leader, at the end of the work, requested the final payment that I made with a personal check following the instructions, in writing, that I received from XXXX XXXX on XX/XX/2018. At no time did the XXXX XXXX Installation Team mention or inform me of any type of financing in my project for anyone, therefore I had to pay the entire balance. After the installation of the doors and my final payment, I was telephoned by an official of the XXXX XXXX Financial Department to inform me that in my project they had " two final payments for the same amount of {$4400.00} ''. One that corresponded to a personal check of mine and another paid " in my name '' by GreenSky. I requested that my personal check be used since I had never activated or authorized any transaction with GreenSky. On XX/XX/2018, GreenSky sent me a receipt to pay {$51.00} for " Interest Charged for this Statement '' (? ). It strikes me that I must pay interest for an operation that never activates, authorizes, or disposed of a penny and that according to the " offer '' that " sold '' XXXX XXXX was exempt from interest and penalties. It seems totally unfair to me that : ( a ) a firm like XXXX XXXX offers me a financing facility and does not correctly inform me how it works ; and ( b ) the GreenSky company wants me to pay {$51.00} in interest for an operation that was not activated, authorized and not even a penny was used.
02/24/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	IA 503XX	Web
On XX/XX/XXXX a cashier 's check was mailed to the address listed on my statement representing payment in full of my Greensky Trade Credit account. I called and checked my online account in XX/XX/XXXX and early XX/XX/XXXX and was told by Greensky they didn't have record of the payment and it should be reissued ( In the meantime I incurred additional finance charges and fees and had to make additional payments ). on XX/XX/XXXX an updated cashier 's check reflecting the current payoff was mailed to Greensky Trade Credit to the address listed on my statement. On XX/XX/XXXX the cashier 's checked mailed XX/XX/XXXX posted to my account, and because a new cashier 's check was issued as directed by Greensky, the XX/XX/XXXX cashier 's check had a stop pay on it and payment was reversed. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made additional monthly payments on the account and incurred additional finance charges. On XX/XX/XXXX I called Greensky and they requested a copy of the cashier '' s check which I faxed to accounts receivable department on XX/XX/XXXX. I called on XX/XX/XXXX and was told the payment had been sent to a different address for processing ( which was NOT the payment address listed on any of my statements ) and added my wife as an authorized user to this account. My wife called on XX/XX/XXXX and was told by a manager at Greensky that they received the fax and payment would post to my account within two business days. My wife waited until XX/XX/XXXX and called Greensky and was told they were still looking into it and would receive a call back from the manager she originally spoke with. On XX/XX/XXXX my wife called and was told she would receive a call back by Friday XX/XX/XXXX and the payment should post. She did not receive a call back and called again on Saturday XX/XX/XXXX and was on the phone for over 30 minutes and was told the manager is still looking into this matter and requests are handled on a first come first serve basis and could not provide a time frame for this to be resolved and payment mailed XX/XX/XXXX to be posted to our account. My wife was told payment was mailed to the incorrect address ( we pulled all statements which show the mailing address for the payment was correct ; however the XX/XX/XXXX statement o the last page, not the payment remittance page, shows the address will change for payments as of XX/XX/XXXX but we have been told payments were already being rerouted by Greensky. The next payment will be due on or before XX/XX/XXXX and we will continue to incur additional finance charges if payment does not post to our account which was mailed almost two months ago, and the payoff process began XX/XX/XXXX. Greensky is in the process of having a/r purchased by a different loan servicer ( we received a letter from a different lender indicating payment needed to be made referencing our account number ). I should not have to wait this length of time to have a payment that was properly mailed to be applied because of their internal issues. Each telephone call ( at least eight calls fromXX/XX/XXXX through XX/XX/XXXX ) to Greensky Trade Credit to resolve this issue has taken between 15 and 30 minutes with no resolution.
03/03/2017	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	TX 76135	Web	Older American
XXXX, XXXX. company representative XXXX XXXX visited my home on XX/XX/2017 at XXXX for an in-home solar system consultation. Once I seem insterested in the solar system, XXXX XXXX requested my information to run a credit check. He then had me sign a contract but insisted there was a 3 day concellation period prior to moving forward. That evening I contacted XXXX XXXX and told him I was n't comfortable with the contract and would like to cancel it until I could get further details on the pricing. XXXX XXXX said he would call and cancel the contract, but would like come to my home on Sun XX/XX/2017 to answer any questions I had, and to possibly do another contract. I asked XXXX XXXX for detailed invoice of the items that were included in the contract, which he said he could not provide. XXXX XXXX stated it was company policy not to provide detailed invoicing. On Friday evening I felt like I was getting the run around, and went back through the paperwork XXXX XXXX me sign. At that time I noticed the paperwork included a Cancellation Certificate that had to be completed within 3 business days. I printed and filled out the Cancellation Certificate and took it to XXXX on the morning of XX/XX/2017 at XXXX. The Cancellation Certificate was submitted by facsimile at XXXX and notorized by the clerk at the store. On XX/XX/2017 XXXX XXXX and I could n't reach an agreement on the pricing and billing practices of XXXX, XXXX. when he came by home. XXXX XXXX once again assured me that my contract with XXXX, XXXX. had been cancelled. The Cancellation Certificate that was sent by facsimile stated : " To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a facsimile to XXXX by XX/XX/XXXX. '' I received a letter dated XX/XX/2017 from GreenSky, XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/2017 that stated : " Thank you for Financing your XXXX Project with GreenSky. When you agree to the terms of the Loan Agreement and are ready to make your purchases, give your account number, expiration date, and photo ID to your contractor. Use of the Shopping Pass or the associated Installment Loan to make a purchase constitutes acceptance of the terms of the loan. After your first purchase you will receive monthly statements. You have zero liability for transactions that you did not authorize. Please monitor your statements and contact us at XXXX to notify us of any unathorized transactions. '' Next I received a statement from GreenSky on XX/XX/2017 for the period ending XX/XX/XXXX which showed a new balance of {$22000.00}. The statement listed a purchase on XX/XX/2017 with a description of " GreenSky Direct Transaction - XXXX, XXXX ''. The statement also listed a interest charge of XXXX. I never authorized GreenSky send a direct payment for {$22000.00} to XXXX, XXXX. I never signed a contract with XXXX, XXXX. I cancelled the contract with XXXX with in the 3 day period. I contacted GreenSky and was told someone would contact me within 3 business days. I do n't understand why they GreenSky would send any funds to anyone without authorization.
06/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	CA 934XX	Web
On XX/XX/XXXX, we entered into an agreement with XXXX XXXX XXXX ( XXXX ) to replace XXXX windows and doors in my house and with costs including any work to resize existing window openings to accommodate XXXX available window and door sizes, plaster and paint inside and outside wall openings to match existing walls for a total contract amount of {$110000.00}. The salesman induced the affordability by offering me XXXX interest for 18 months with installment payments beginning after 18 months. The job was estimated to be complete on or around XXXX week. On XX/XX/XXXX, a technician returned and took measurements. We were informed that it would be necessary for them to order the front door and master bedroom door from an affiliate of XXXX and presented us with a tablet for our signature for authorization. We were assured again that we would not have to lift a finger for any moving of furniture nor plaster or paint and that the new windows and doors will be perfectly installed and matching to the house. On XX/XX/XXXX, the salesman came to apologize for the delay and that he had missed ordering for the garage window. By XXXX, XXXX can not give estimate date of delivery of the XXXX and XXXX XXXX doors. On XX/XX/XXXX, I was notified by Greensky ( the loan provider ) that I owe them {$78000.00} which had been disbursed to XXXX. On XX/XX/XXXX XXXX started the installation. Two days later, they left without completing any plaster and paint work to finish the installation. The 2 doors were never ordered nor delivered. I called Greensky on XX/XX/XXXX and gave them specific instructions that no more disbursements out of my credit line should be made without my specific authorization as I am losing faith in the job being completed since my multiple attempts to contact XXXX by mail and phone produced no response. I called XXXX on 2 separate occasions in XXXX and once in XXXX to assure XXXX has my instructions on file not to disburse anymore funds from my credit line while I am trying to reach XXXX. On XX/XX/XXXX, without my authorization or knowledge, XXXX disbursed {$33000.00} to XXXX because it is the last date to utilize the line of credit. In XXXX, I received a new balance owe amount of {$110000.00} in the mail. At this point, XXXX has yet to re-plaster or repaint to complete the window installation nor deliver XXXX major missing doors. I had no choice but to go ahead and order the XXXX doors with a different manufacturer ( unmatching to the series ) and contract a painter to complete the window installation for a total invoice of {$37000.00}. Greensky completely ignored my instructions and disburse the last payment to XXXX against my specific instructions putting me in a difficult position to hold XXXX to their performance and get reimbursed for the cost I had to pay to finish their job. When I called Greensky and asked for their explanation, they claimed they have received authorization from XXXX signed by me. This is blatantly against my will to incur debt to pay for goods and services not delivered. I hold Greensky responsible to delete the final payment and credit my account for {$33000.00}.
06/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30265	Web	Older American
On XX/XX/XXXX, my sister in XXXX, AL called me to ask if I would be willing to co-sign a loan with her so that she could get new windows and siding for her home ( work to be completed by XXXX XXXX XXXX ). I spoke with a sales rep, XXXX, by phone, who asked if he could run a credit check on me to see if I was eligible to co-sign with my sister. I gave him verbal permission to do the credit check. My credit was okay, so I agreed to co-sign a loan for {$21000.00}. I told my sister she could sign my name as CO-BORROWER. It is my understanding that XXXX and my sister discussed an arrangement in which she would be the first line of contact for billing statements related to loan servicing. In XX/XX/XXXX, I began getting repeated calls from GREENSKY, which I later found out was the loan servicer, not XXXX XXXX XXXXXXXX. On XX/XX/XXXX, XXXX informed me that the loan payment was 13 days past due. I assumed they had also contacted my sister since we were to be co-borrowers, but they said that I was listed as the SOLE borrower on the loan, so they could not talk to my sister. At no time during the XX/XX/XXXX phone call with the sales rep, XXXX, had I been informed that I would be the SOLE BORROWER on the loan. In early XXXX, I called XXXX XXXX XXXX and spoke with XXXX. I explained the situation to XXXX. She said she would have XXXX call me back. After several hours, XXXX had not returned my call, but he contacted my sister. My sister sent me a text which said XXXX had called her to say that I had given permission to be listed as the SOLE borrower on the loan. Im not sure why he called my sister instead of me, since the loan had been put in my name, and I was the one who called him. Immediately afterwards, I again called XXXX XXXX XXXX and spoke with XXXX. This time XXXX called me back. I asked him to explain how the loan ended up with me listed as the SOLE borrower on the loan. He said I gave permission. I did not give permission to be listed as the SOLE borrower on my sisters loan. I agreed to co-sign with her on the loan, but I would not have taken the responsibility of being SOLE borrower if I had known that Greensky did not want my sister listed as a co-borrower. This information was not clearly communicated, if at all. As a result, I did not have the opportunity to make an informed decision about whether or not I wanted to be a participant in the loan agreement. It makes sense to me that if I had agreed to be SOLE borrower, then all loan paperwork would have come to me for signatures. After the XX/XX/XXXX loan date, I did not get any paperwork, sign any paperwork, or get copies of any paperwork showing me as SOLE borrower. I had to request the paperwork completed on XX/XX/XXXX from XXXX XXXX XXXX. XXXX was emailed to me in XX/XX/XXXX. I had not been informed that Greensky would be the loan servicer. I only found that out later after repeated calls for XXXX collection. I submitted written complaint letters concerning this matter to Window World XXXX on XX/XX/XXXX and to the Alabama Attorney Generals office in XX/XX/XXXX. Neither entity helped me to resolve the matter.
06/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MI 48150	Web
On XX/XX/2018 I went to the dentist who said I needed 2 urgent XXXX XXXX. I had already put over $ 3k on my credit card, so the office manager said she could apply for a Greensky loan for the {$3.00}, XXXX for the procedures. I verbally agreed. I found out that I only had 1 XXXX XXXX and did not have any permanent crowns..yet was charged. I did not get a refund and Greensky would not investigate. I was then told I needed a treatment costing $ XXXX. I told the office manager I could not afford it. On XX/XX/18 I was emailed by the office manager " We can start your uppers Monday at XXXX or XXXX ''. Thinking that the office made me a case study or were going to put me in a payment plan ( that I was never offered before ), I went in ( while in pain, unable to chew solid food for 2 years and desperate ) and was presented with 2 sets of papers. She said they secured me a loan. They did so without my permission whatsoever. I signed the paper under coercion while medically compromised and with the threat of removal of care. The dentist then took 8 months to totally destroy my mouth, and left me with a possible hairline fractured jaw, trigeminal/occipital neurologia, and a mouth that could not function ... he then sent me a " box of teeth '' in the mail and said there would be no refund since he completed his work ( I am still in temp plastic with no bite ). I called the loan company to tell them that services were not rendered, and they were already aware that the loan was not taken out by me, but since I was paying, that means I approved of everything. ON XXXX XXXX XXXX the $ XXXX was applied for ( not by me ) and then funds removed by the dental office in less than 1 day ... before I even got paperwork in the mail. Greeksky will not freeze the account until matters are rectified, and they refuse to request receipts from the DDS. XXXX XXXX loan was also applied and taken out without my permission, but they have been helpful in obtaining receipts that do not violate any HIPAA laws. Greensky should not allow offices to apply for loans on the patient 's behalf while they are in a medical condition, nor should they allow an amount that high to be extracted. I do not know what information the DDS used to secure a loan in the first place, since I am barely working. The DDS has brought down my credit score by applying for the loan, and since the payments are not what they were told me to be, I will be looking to file bankruptcy. This is a medical based loan. Services and care was not rendered, yet I am left to pay off over $ XXXX tXXXX XXXX , XXXX XXXX XXXX. I have asked for Greensky to freeze the payments, they will not. I asked that they request receipts of lab fees, etc ... ... but they will not. This company should not be in business with professionals committing fraud and then not be willing to help the patient when the law has been broken. GreenSky states that all participating providers must make available a payment plan to patients ... I was not offered anything of the sort. Just an illegally obtained loan and then $ XXXX being wiped out in one day..just from that 1 account.
09/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76137	Web	Older American, Servicemember
1. ) XXXX - Misled by door-to-door salesman with XXXX XXXX XXXX ( XXXX ) that he was using our information to " pre-qualify '' us for a loan for windows. We told him we would most likely use our own financing. He assured us we were only " pre-qualifying. '' 2. ) When XXXX XXXX left, he stressed we would get a packet from GreenSky and to just " ignore '' it. 3. ) XXXX - Due to " numerous '' discrepancies and red flags described in an attachment. We canceled the XXXX agreement and requested XXXX email ALL signed documents. 4. ) XXXX - Discovered email w/subject line " Credit Application '' that upon opening was a GreenSky Shopping Pass in our names for {$46000.00}, with funds payable to XXXX. 5. ) XXXX - Contacted GreenSky, they " closed account '' at {$0.00} balance 6. ) XXXX - Concerned for identity theft, requested GreenSky explain HOW did they email XXXX a loan w/Shopping Pass, we did NOT authorize, for {$46000.00}. 7. ) XXXX - GreenSky would produce simplistic 1 page credit applications from XXXX with our signatures. 8. ) XXXX - Informed by GreenSky representative that the unauthorized loan agreement in a CLOSED STATUS - COULD POTENTIALLY BE REOPENED. She stated, In case we should change our mind. In spite of my explaining I did not authorize this loan. 9. ) Discovered verbiage in loan agreement on pg. 8 & 9, gave GreenSky INDEFINITE ACCESS TO CREDIT FILES and TO SHARE OUR PII. 10. ) XXXX XXXX XXXX - Filed XXXX complaints with XXXX and GreenSky trying to get loan agreement CANCELED and VOIDED OUT. 10. ) XXXX says through XXXX there is no loan agreement with them and talk to GreenSky if there is any line of credit. 11. ) GreenSky REFUSES to CANCEL OUT the unauthorized Loan agreement and GIVE US WRITTEN VERIFICATION. 12. ) GreenSky stated through XXXX that they gave us written verification the account was closed and blocked and THIS IS NOT TRUE, they have NOT. 13. ) This account remains in a CLOSED status only, giving GreenSky the continued right through the loan agreement to SHARE AND ACCESS OUR PII INDEFINITELY. 14. ) GreenSky states our signatures on the XXXX document make the agreement valid. 16. ) However, Texas Bus. and Comm. Code 12. Ch. 601. Sec. 601.153. - States that a merchant " may not negotiate, transfer, sell, or assign a note or other evidence of indebtedness to a finance company or other third party '' before the 5th bus. day. Yet WE CANCELLED the unauthorized loan agreement on the 3rd bus day. 17. ) XX/XX/2021 - We have given GreenSky and XXXX the following information from the TX Attorney General - and they still REFUSE to CANCEL AND GIVE WRITTEN VERIFICATION : The Texas Bus. and Comm. Code 12. Ch. 601. Sec. 601.153. TRANSFER OF INDEBTEDNESS DURING CERTAIN PERIOD. A merchant may not negotiate, transfer, sell, or assign a note or other evidence of indebtedness to a finance company or other third party before midnight of the fifth business day after the date the contract pertaining to a consumer transaction was signed or the goods or services were purchased.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28601	Web
Im writing to provide the details of my dispute with XXXX XXXX ( the provider of services ) and My Green Sky ( the credit lender ). Since XXXX, I have had an open claim with Green Sky regarding the amount that I am being charged. They put me on disaster relief status, which gave me a reprieve from payments while they investigated my claim with XXXX XXXX. The claim was due to the XXXX XXXX stores being closed and me not being able to receive services. I wanted an adjustment on the total amount owed before I paid any additional funds. I have called them back weekly or bi-weekly for updates regarding the status of my account. Each time, describing the claim to a new representative and ending with them telling me that they would let my case manager, XXXX, know that I had called. I was never able to get in touch with XXXX and have never received a phone call from him. I repeatedly requested a time that was best for him to schedule a call, or have him leave me a voicemail, or email me. I never received any of this information. I also repeatedly asked if there would be any repercussions of waiting while they investigated my account in regards to my credit score and they said no every time. After seeing my credit score today ( XX/XX/20 ), I called Green Sky and the first person I spoke to couldnt even locate my account using my social security number or my account number. She also told me that she would have someone call me back. I still didnt hear from anyone so I called again today and spoke with a manager and for the first time they let me know that they closed the claim citing that XXXX XXXX said all services had been rendered. This is a lie. I have only received 5 services to date. Every time I called they said someone would call me back within 48 hrs and no one ever did. I spoke to a Green Sky representative in late XXXX/early XXXX and she never let me know that the claim had been closed, she only said that she would again talk to XXXX about it and they would call me back with an update. I also asked her if I was still under the disaster relief and that no payment would be due at this time and she said that was correct. This was a clear indicator to me that no payment would be due until this investigation and adjustment was concluded, and I was informed. I called XXXX XXXX today ( XX/XX/20 ) and they confirmed that I received the following services on the following dates : Date Service Price XX/XX/20 1 treatment {$150.00} XX/XX/20 2 treatments {$500.00} XX/XX/20 1 treatment {$150.00} XX/XX/20 1 treatment {$340.00} Total Cost {$1100.00} I want to have my account adjusted appropriately to reflect the services that have been provided and I want to pay in full immediately upon receipt. In addition to the adjusted bill, I require in-writing that any negative credit reporting, including the 2 late payments and any future late payments or derogatory that may be assessed, will be removed upon payment and the account left in good standing to all 3 credit bureaus. Thank you,
11/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 281XX	Web	Servicemember
I received an email in my spam box on XX/XX/2019, stating I had received an unknown account from a copmany named ( Greensky ). I called a 1 800 number to the company, and the representative advised me, I had signed -up for a loan through a third party? I informed the representative I had dealings with a roofing company and paid the company/contractor up-front cash therfore my involvement with the on-line company was unknown and fraudlent. The representative advised the alleged Merchant was no longer a part of the company and would XXXX balance the account. I ask for the company to take the inquiry from my credit report. I informed the representative, that I did not give consent to the on-line company, nor didnot have agreed in writting on verbally to their involvement. The company ( Greensky ) later has had a representative in the dispute department ( XXXX XXXX ) call me for information on the company/their merchant. I advised her I would indulge them with a paid contract to show- I had not involvement with their company ( Greensky ) but in return they need to provide me with the supposed contract that I had with the Company Greensky since I have, nor seen such paperwork and for aribrtration purposes for burden of proof on this alleged agreement ( Court purposes- since I know I did not give permission ). The representative ( XXXX XXXX ) stated she only worked in the dispute department and could not provide me anything. My response was " I have spoken to two of your representative and the Bank that your compnay is third party and they stated, the company ( XXXX XXXX ) does not exist '' I also advised Ms. XXXX that I had filed a police report reference to my credit and information being fraudlently used without my permission. Ms. XXXX stated she only work for the dispute department of Greensky and need more documentation from myself such as : payment to merchant : my involvement with merchant ; personal text message and emails ( Which at this point giving more of my information to an unknown entity was refused- { the company wanted information from me but did not and can not not provide information to give to me }. After speaking with an attorney, I am willling to move forward with court proceedings to show proof of these preditorial third party lending organizations and daily their operations. There is no such thing as verbal consent or no contractual/ without written agreements in the state of North Carolina . In fact- the third party BANK XXXX, stated they do not service personal or installment loans for North Carolina . I currently have an investigative report on the contracting company, but it seems I will have to do the with this company named Greensky, for their tactics of trying to strong arm or scam me into paying for a loan at the hands of a predator contracting company. I do realize, the company may have scammed them too, but for the rest of the consumers who can not afford an attorney, the FTC may need to help with looking into thier lending process.
10/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NY 113XX	Web
On XX/XX/XXXX, we signed a contract for two bathroom renovations through XXXX XXXX of XXXX for an agreed upon price. We were told by the salesperson that the price quoted for the bathrooms " included everything '' and there was nothing else to pay. This signed contract also states " subject to management approval '' as we live in a co-op. On this same day, the XXXX XXXX salesperson set up the financing for us through XXXX XXXX XXXX/an affiliate of XXXX XXXX XXXX of Georgia. About a week later, XXXX XXXX charged approximately {$13000.00} to our Green Sky account after ordering the products for the renovation PRIOR TO receiving approval from our co-op management group. Two and a half months later, XXXX XXXX contacted us to advise that the plumbing required by our co-op will raise the price of each bathroom {$5000.00} each ( {$10000.00} ), which they can reduce to {$7000.00}. We advised him we were not in a position to do this. We have no bathroom renovations and consider all of XXXX XXXX XXXX actions to be a breach of contract at this point, so we looked to Green Sky to help us. When we called Green Sky and spoke to XXXX XXXX in Customer Service, he assured us that Green Sky advocated for us and referred the matter to the " special agent '' for XXXX XXXX, XXXX XXXX who, instead of viewing this matter as a vendor breach of contract, decided that it was a " cancellation because it took too long. '' XXXX and Green Sky have shown clear bias as evidenced by a sentence in her email to XXXX XXXX representatives, stating " I am hoping that once the customer sees the amount responsible for [ cancelling ] that the customer will change their mind and move forward with the project '' and to us, stated " the merchant has the right to seek relief for any expenses incurred as a result of this cancellation not taking place in the required time frame ( 3 days ). The merchant could request that the contractual agreement is fully upheld and enforced. '' This contract should be considered null and void based on these issues : XXXX XXXX of XXXX breached the contract by ordering products prior to getting management approval. XXXX XXXX raised the price after contracts were signed, boxing us in a corner ; and Fraudulent billing - XXXX, on behalf of XXXX XXXX, just emailed us a bill purportedly from XXXX XXXX for " custom ordered merchandise. '' The bill of {$1600.00} ( " Measure - {$200.00}, Drawings - {$650.00}, Materials - {$800.00} ) is dated XX/XX/XXXX and is on the letterhead of XXXX XXXX XXXX XXXX certainly no one we signed a contract with. To the best of my knowledge, XXXX XXXX XXXX does not have a business relationship with XXXX XXXX XXXX XXXX to finance their jobs. This is all sounding like a scam we have already alerted the Better Business Bureau of New York and now appeal to you for assistance. We 've attached our contracts with XXXX XXXX ( dated XX/XX/XXXX ), e-mails with XXXX XXXX XXXX and bill from XXXX XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX and XXXX XXXX
03/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AK 99577	Web	Older American
I am being charged interest on the original amount of my loan, even though the balance has been declining for months. Here are the details : the company " XXXX by XXXX '' sells windows and uses " Green Sky LLC '' to provide interest-deferred loans that are interest-free if paid off by the end of a promotional period ( otherwise, in my case, it's a 24.99 % rate ). The promotional period for my loan through this process ( to purchase new windows for my home ) was 2 years. While monthly payments are recommended, none are required. For several months I didn't make any payments, but eventually I did. My original high balance was {$12000.00}, and the first month ( XX/XX/2021 ) it reached this balance my account was charged {$250.00} in deferred interest. Fast-forward to my XXXX statement : my unpaid balance is now down to {$11000.00}, and the deferred interest charge added is ... {$250.00}. Green Sky has been charging me that amount on every single statement, even as the unpaid balance has diminished. I called Green Sky customer service to point this out. I was told that that's just the deferred interest for my loan, and also that it wouldn't matter unless I went past my promotional time period and had not paid off the loan. The actual contract has 2 items that indicate charging interest on the original loan amount regardless of the unpaid balance amount is wrong. The first is this ( from a Q & A section ) : '' ... it is a good idea to make regular payments to minimize any deferred interest you might owe if the purchase balance is not paid in full before the end of the promotional period. '' The second is an element of the contract itself : " For value received, you agree to pay us : ( a ) so much as you may actually borrow from time to time by initiating transactions under the Loan Agreement, plus ( b ) periodic interest at an annual rate of 24.99 % on the unpaid Amount Financed outstanding '', and " We calculate the interest charge on your account by applying a monthly periodic rate to your outstanding principal balance on the first day of your first billing cycle and thereafter to your outstanding principal balance on the first day of each billing cycle. '' The operant wording indicates " unpaid balance '' or " outstanding principal balance '' is the amount interest is to be calculated on, and even the Q & A statement indicates a lower balance will result in lower interest owed. In Green Sky 's actual practice, you are charged interest on the original loan amount for the entire length of the loan, regardless of remaining balance. My balance of {$12000.00} was charged {$250.00}, and months later, my lower balance of {$11000.00} was charged the exact same amount of interest, {$250.00}. Directly complaining and explaining this to customer service resulted in no change or acknowledgement that anything was being done incorrectly, even though it's an obvious contract violation and morally ( and no doubt legally ) fraudulent.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 200XX	Web
During XX/XX/XXXX, I ordered home security devices through XXXX XXXX XXXX. The purchase of the devices used in the home security system were purchased through XXXX using an installment loan offered through XXXX XXXX XXXXGreenSky. The payment terms of the agreement were 12-months same as cash with no minimum payment, but payment must be made within 36-months. I think that in XXXX of XXXX, Greensky began reporting negative entries on my credit reports. I made a payment of {$110.00} on XX/XX/XXXX in an attempt to resolve the credit entries. Then sometime during XXXX and early XX/XX/XXXX they reported the account as written off. I made a payment of {$480.00} on XX/XX/XXXX. As of XX/XX/XXXX, payment was paid in full. GreenSky refuses to remove the negative entries from my credit report. I have repeatedly requested that either GreenSky remove the negative entries. In response to my inquiries XXXX and those of the credit agencies ) GreenSky has stated that they have properly reported the account to the credit agencies. I think the negative and late payment entries are inappropriate, inaccurate, and should be deleted given the following : ( XXXX ) The note is 12 months same as cash, but no more than 36 months. Thus, as long as the note is paid in full prior to the 12-month period, it will be considered to be paid in full and on time. I paid off the loan within the 12-month period. Therefore, all payments should be considered on time. ( XXXX XXXX My understanding is that the loan agreement does not provide for minimum payments. This is evidenced by how GreenSky ORIGINALLY reported the loan to XXXX as GreenSky reported the amount owed was {$0.00} per month. Obviously, if I owe {$0.00} per month, I can not be delinquent if I pay {$0.00} per month. ( XXXX ) Additionally, I made a payment of {$110.00} on XX/XX/XXXX. Even assuming mandatory minimum payments, this would have brought my account to full so that all amounts were paid on time. ( XXXX ) Furthermore, I made a payment of {$480.00} on XX/XX/XXXX XXXX payment receipt attached ). As of XX/XX/XXXX, payment was in full. I have also requested GreenSky provide me with a copy of the loan agreement. However, GreenSky has not provided me with a copy of the loan agreement or proof of mailing of the loan documents to support that the amounts were past due. I also contacted the credit reporting agencies regarding the incorrect reporting of the information. They reported that GreenSky " confirmed '' information was correct but did not provide any supporting information. In performing research, my understanding is that GreenSky participates in predatory lending practices as a result of their business model. Although they provide interest free loan terms. However, if they claim that your account is delinquent or not paid in full during the introductory payment period GreenSky charges all accrued and uncharged interest on the account.
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 310XX	Web	Older American, Servicemember
This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. Next thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. My issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. I have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. I would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. Thank you.
04/24/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	WI 54304	Web
XXXX merchant, XXXX XXXX, came to my house for a roof estimate, furnace and water heater. After salesman wrote up a form that showed what products and prices he was quoting us we said okay we would think about it. The salesman said that he was sure his company was great and the best price, etc. He also had another gentleman with him from XXXX XXXX. XXXX, salesman, sat at our table and got out his tablet, which neither I nor my husband could see. XXXX explained to us that XXXX did have their own financing available to customers and he would be able to have us apply right now. XXXX said it was very easy to use their company 's financing. The finance company Summit Contracting uses is Green Sky and the lender is XXXX XXXX XXXX. My husband and myself are on XXXX so our income is not over {$3000.00} per month. Now the price XXXX XXXX quoted us was {$35000.00} for everything. XXXX then did some magic on his tablet and said to my husband that you have been approved for a {$25000.00} loan from Green Sky. Well that was very unbelievable to us as I said our income is very limited. Then he did some more magic on his tablet but said I had not been approved for enough to cover the other {$10000.00} of the needed loan money. XXXX seemed that no matter what he was going to get me a loan from their finance company for me. XXXX had asked us some questions before he applied for these loans so he knew our income. XXXX said well I will just tell Green Sky a different income for you, they won't check. Then we'll I was approved for {$25000.00} also. XXXX said that if we just signed here and here on his tablet that then XXXX XXXX would send our credit application to Green Sky for us. Well then I guess the lender XXXX XXXX XXXX gave the money to Green Sky for us to buy stuff from our merchant XXXX XXXX that same day. Because what really took place is that when XXXX had us sign the application for financing we were really signing papers that said we agreed to finance through XXXX XXXX XXXX and Green Sky and XXXX XXXX. But we were supposed to get paperwork from Green Sky to activate our shopping pass to buy stuff from XXXX as they did our project. Instead XXXX activated our passes on XX/XX/2019 and then Green Sky wired them the whole {$35000.00} without us knowing. So this bank financed {$35000.00} to their lender who wired {$35000.00} to XXXX XXXX all by the next day and we knew nothing about it. I will attach more information but I have tried more than four times to have this taken off our credit report as I told green sky that this was fraud by wire transfer and bank fraud by unfair bank practicing to consumers. Green Sky always investigation and says some excuse why it's not their fault and we owe them this money. I am mentally becoming exhausted with this whole ordeal and I am not the only one in XXXX Wisconsin this has happened to.
10/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 790XX	Web
I purchased windows from XXXX XXXX XXXX from XXXX, Texas on XX/XX/2020. The representative XXXX XXXX told me the windows would cost XXXX. I ordered a total of 9 windows and the representative quoted me XXXX for the following : 6-double hung windows measuring approximately 31.5 inches by 52.5 inches. 2-double hung windows measuring approximately 36 inches by 52.5 inches 1-picture frame window measuring 27 inches by 52.5 inches. The rep stated that picture framed windows were cheaper than double-hung windows. I asked if I would receive an invoice and he said yes. I measured the windows myself because I never received an invoice from XXXX XXXX XXXX even though I asked numerous times. The representative completed the forms for financing through Greensky. I was approved and I was told that I would have to start paying in 4 months. The windows were installed in XXXX and when the installer came to install the windows there was a mistake with the windows I ordered. Instead of getting a picture frame window for the window measuring 27 inches by 52.5 inches, I got a double-hung window and 1 picture framed window measuring 36 inches by 52.5 inches. I told the installer to just leave the smaller-sized double-hung window and since they already had to order another window I requested to just replace the larger double-hung window to match the picture-framed window. I received an email later the next week from Greensky asking me to accept the charge of XXXX. I declined because I did not get an invoice from XXXX and I should have received an adjustment for the cost since I received 2 large picture-framed windows because of XXXX XXXX error. Greensky representative said she would investigate the matter. After a week, a Greensky rep told me that they closed the investigation and I had to pay the XXXX because that is what I agreed. I feel like Greensky did not try to dispute the charge on my behalf. I did call XXXX and I spoke to someone in finance and they stated that no one had inquired about the charge and they would let me know. As of today, no one from XXXX XXXX has contacted me. I just want to be billed correctly. I feel like I am paying more than what I should and I'm in the dark of what the charges because I never received an invoice. Today I received a billing statement from Greensky and it indicated that I had to make my first payment by XX/XX/2020. My issues are with both XXXX XXXX XXXX from XXXX, Texas, and Greensky. In my statement, they ran my credit for a purchase of XXXX. I never approved that much to be run on my credit. There were several inquiries into my credit. This also needs to be investigated. The statement indicates that I was credited XXXX.
03/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	CT 06457	Web
This is a multifaceted problem. I took this loan out for emergency repairs to my home, approximately {$25000.00}. As I had just purchased my home, my credit options were limited. The contractor I hired offered Greensky as a financing option. ( My issue is not with the contractor ). Prior to accepting the loan, I carefully read the terms, however, since accepting, I'm finding some of their practices to be deceptive, predatory, and unethical. First of all, the loan is presented as a " credit card. '' I believe this is a loophole to avoid usury laws. The terms of the loan are essentially that I have one year to pay off the loan in full. If it is not paid off within that time, I automatically owe the interest for the full term of the loan, regardless of how quickly I pay it off. This will result in automatically being charged approximately {$29000.00} in interest on a {$25000.00} loan, again, regardless of how quickly I pay off the loan. The payments I make now only go toward the interest, but if I pay it off within the promotion period, those payments are applied to the principal. As such, my credit report reflects that I have not made any payments on the loan. It still shows the full balance. In fact, it often shows that I am over the {$25000.00} credit limit, because although it is zero percent interest for 12 months, they are still billing me as though I'm paying monthly interest. My plan from the beginning was to refinance the loan at the end of the term. The real issue arises in that because the company is reporting 1 ) that the balance has not decreased, and 2 ) that I am over limit, this loan is having substantial negative impact on my credit score, thus eliminating my chances of qualifying for a loan to refinance. Since taking out this loan, my credit score has dropped 80-100 points. My score went from about 755 to about 628, despite paying off a credit card, and several hard inquiries dropping off my report. I believe this company does this on purpose, in order to keep customers trapped in this loan. Additionally, I'd like to point out that although I was truthful in my application, I was shocked that this company gave me {$25000.00} without asking for a single piece of documentation. It seemed absurd to me, especially in light of the fact I had just taken out a mortgage a month or so before. This leads me to believe this is a predatory lender that gives out loans with no regard for the customer 's actual ability to repay. There are many shady, deceptive, predatory things going on with this loan. I'm hoping the CFPB will address this to save me and many other potential customers the heartache of dealing with this company.
01/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	IA 503XX	Web
In XX/XX/XXXX I ordered custom window from XXXX XXXX and chose to finance the project through greensky. My account was charged a deposit before the installation was scheduled and my payment because due without receiving any communication from the Greensky. I was assessed a late fee that was not reversed. The installation was delayed over a month past the date that was discussed and when the installers finally installed the windows they broke one and were unable to complete the installation. I called Greensky initially to request my account documents and monthly statement, which was sent after the second request. I called Greensky a third time in XXXX after the a second statement said the account was delinquent after I made my initial payment. XXXX XXXX payment was already paid, so I asked the representative what payment I should be making to get the account current and paid through XXXX. I was advised to make an additional payment and I sent the check 3 days later. In XXXX I received another statement indicating my payment was due and showed the entire balance had been charged to my account but the installation was not completed until XX/XX/XXXX. I called again to request a complaint be opened for each of the issues : 1. To have the misapplied payment applied to XXXX XXXX to have the {$11000.00} balance posted on the date of completion rather than XX/XX/XXXX. The agent told me to not make a payment in XXXX until they had reviewed the account and advised they would call back before the XX/XX/XXXX due date. I called again on XX/XX/XXXX and the agent told me the complaint or complaints I was told would be opened, were in fact not open. I requested that they be opened immediately so I can pay on time if I needed to. The agent told me that someone would call me the following Monday XX/XX/XXXX at XXXX and again advised that I not make a payment. I advised that Monday was a national holiday but the agent confirmed that someone would call. No call was received or missed on XX/XX/XXXX. I called again today, XX/XX/XXXX, and was told the complaint manager XXXX was not available and was offered to be transferred to his voicemail. I said that is completely useless and then the agent got XXXX on the line. I asked XXXX why no call was made and was advised that the complaint was not assigned to him until yesterday. I asked how the complaints would be resolved and the agent hung up on me. I called back requesting to speak with XXXX and requested his identification information and the agent refused to provide it. I requested that XXXX call me back in 30 minutes and hung up. No call had been received and no resolution has been provided.
05/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 161XX	Web
XXXX XXXX ( aka XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was solicited to install a window wall unit with ( XXXX ) sliding glass doors at my home. During the initial visit, part of the " sales pitch '' was offering 24-months, 0 % financing through GreenSky/XXXX XXXX XXXX. We accepted the XXXX XXXX proposal and decided to move forward with the project. Immediately following the install, we discovered that the wall unit was leaking water from the outside into the living space on the inside. In addition, the wall unit was beginning to break apart XXXX door handles were falling off and the doors were coming off track regularly XXXX. We contacted the installer ( XXXX XXXX ) and reported the issue. We were unsuccessful at getting them to make a repair call until we reached out to the lending institution, GreenSky. Upon multiple attempts to work out a repair plan with both the installer and the lender, we've been unable to get the leaking issue resolved. In fact, the situation continues to worsen and collateral damage is now resulting due to the length of time that the leaking has been going on. A " transcript '' of our communication with GreenSky containing photos has been attached to this dispute. Since GreenSky paid the installer XXXX XXXX XXXX XXXX in full upon XXXX XXXX request with no communication with us the lendee before making said payment, we now have no " leverage '' to get this resolved other than threatening to not pay on the loan. GreenSky has now reported us to the credit bureau and is attempting to ruin our credit in an effort to " strong arm '' us into paying. We've chosen this path not in an effort to avoid paying, but rather as a way to try and " force the issue '' so that we can get this leaking resolved. In addition, on the back of each GreenSky monthly statement are Dissatisfied Rights outlining our right to not pay if we are unsatisfied with the purchase given that we follow the steps that they have outlined. We have followed this process for over a year with no end in sight. It is our opinion that XXXX XXXX and GreenSky are mutually beneficial of each other, therefore, neither of them has a want to resolve the issue. Since XXXX XXXX " sells '' GreenSky as a way to finance a project, why would GreenSky do anything negative that may impact that relationship? GreenSky has now taken to calling us several times a day trying to collect on this debt rather than working with XXXX XXXX to resolve the problem. In fact, my last conversation with GreenSky ended by their representative stating they'll just continue to call until I give in.
12/14/2016	No	Consumer Loan Installment loan	Managing the loan or lease	NY 148XX	Web
I obtained a Home Depot Project Loan card through XXXX Financial in XX/XX/2016. The loan was interest only for XXXX months, then balance would convert to a fixed payment for XXXX months at XXXX %. The XXXX month 's invoice dated XX/XX/2016 showed that I owed {$130.00}. After the promotion expiration date of XX/XX/2016, I received a " XXXX of Account at XXXX '' showing that my principle balance was {$20000.00} and finance charges of {$130.00}. Copied verbatum from this statement " The new monthly payment was calculated as follows : XXXX of {$20000.00} amortized over XXXX months at XXXX % : {$320.00}. XXXX of {$130.00} divided by XXXX payments : {$1.00}. New Monthly Payment : {$320.00} ''. Statement dated XX/XX/2016 states that my new monthly payment is {$320.00} with a due date of XX/XX/2016. I received a call on XX/XX/2016 stating that I was XXXX days late for not making the {$130.00} interest charge from the XX/XX/2016 statement. I feel that I did n't owe the {$130.00} because it was added into my loan. I was told by XXXX, supervisor, that the {$130.00} was still owed whether it was or was n't added into the loan. I then was transferred to XXXX in the complaint department. He told me that the {$130.00} that was owed was n't interest, but a " conversion fee. '' I repeatedly read the " XXXX of Account at XXXX '' to both XXXX that stated the {$130.00} was divided by 84 months. XXXX told me at it did n't say " divided ''. XXXX stated " After you received this statement, the {$130.00} was waivered. The statement was sent in error. '' I never received a corrected statement. I feel like I 'm being charged {$130.00} twice. Either I owed it from the XX/XX/2016 statement or it was added to the monthly payment. NOT BOTH After about XXXX minutes of this nonsense, I asked what the payoff would be. The answer was {$21000.00}, which is {$140.00} more than the principle balance of {$20000.00} and interest of {$130.00}. I told him that I would be paying it off in full on XX/XX/2016, but did n't have the money to pay the {$130.00} before it was XXXX days late and reported on my credit report. I asked him if he would n't report to the credit bureau and I was told that it was federal law that I be reported. I had to borrow the money to make the payment to keep the late payment of my otherwise clean credit. XXXX told me that he did n't need to see my statement because every loan was done the same. This raises a red flag. Is everyone being charged the last month 's interest twice?
06/01/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA 020XX	Web
SUMMARY OF EVENTS ( Please see Appendix for more detail. ) XXXX XXXX XXXX was hired to replace 5 double hung windows and 1 pic ture window. XXXX installed the 5 double hung windows however the correct picture window was ordered incorrectly by the company. The company scheduled an install date for the correct picture window however XXXX went bankrupt before the installation took place. Green Sky financed the job and is trying to collect the full debt although the job was never complete. I 've gone through the proper steps to dispute this debt ( twice, Green Sky lost it once ) with Green Sky because they are aware of XXXX 's closure. They " reviewed '' the dispute and denied any correction. They never provided verification to proof the debt and they are reporting my debt to collections even though it is under dispute and they have been notified by my lawyer of their representation. As you can see in the attached References - the total cost of the window installation was {$7200.00} ( REF 'A ' ). Reference 'B ' illustrates the upcoming planned transactions outlined by XXXX . The plan was followed correctly and the down payment of {$720.00} ( 1 0 % of XXXX ) was made on XX/XX/XXXX ( as shown on REF 'C ' ). T he first GreenSky transaction was to take place at the time of " Scheduling '' ( as shown on REF 'B ' ). As you can see, the transaction took place on XX/XX/XXXX ( REF 'E ' ). The final transaction of {$2800.00} was to take place upon " Installation '' ( as shown on REF 'B ' ). As you can see, the final transaction was {$1600.00} ( not {$2800.00} ) and took place on XX/XX/XXXX ( REF 'F ' ). XXXX XXXX , Supervisor at XXXX , negotiated {$1000.00} off of the total purchase price as a result of the FIRST failed attempt on ordering and installing the correct picture window. There was an additional {$200.00} reduction ( total of {$1200.00} ) because we opted not to wrap our window sills in aluminum. {$2800.00} - {$1200.00} = {$1600.00} ( REF 'F ' ). This is the final obligation of funds even though the work was not completed again on XX/XX/XXXX on the second attempt of installation ( REF Eve nt 7 ). The third installation attempt was scheduled for XX/XX/XXXX ( REF 'G ' ). This event never took place and we were notified on XX/XX/XXXX of XXXX 's apparent closure. The correct picture window was never installed by XXXX XXXX XXXX because the company went bankrupt.
04/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78245	Web
On XX/XX/18 we purchased a water softener system with local company that offered interest free for 6months a payments of {$35.00} for 3 years at 9.9 %. Supposedly on their home improvement card that turned out to be a regular credit card. The company sent a copy only after the unit was installed but I was shown an XXXX disclosure stating the terms. The purchase was {$3600.00}. It states that the finance charge will be {$3600.00}. Thats very close to 50 %. The term was NOT 3 years it was 12 years and the finance charge is the same amount as the purchase with total payments being {$8600.00} for a water softener. Very close to the amount of the purchase. The payments were not {$35.00}. There were laddered payments going up to {$60.00} until XX/XX/XXXX. We made minimum payments of {$35.00} during interest free period. When we received the statement after the 6 month period we were surprised to see that the amount owed went up not down. I called I was first told I didnt understand. My wife is a retired banker who is over XX/XX/XXXX. When the sales person found that out he arranged to put the transaction in my name. I would not have agreed to the terms if fully disclosed per regulations. My wife was present to see the approval. We received the full disclosures only AFTER the unit was installed. Turns out Greensky is a front for XXXXXX/XX/XXXX, an XX/XX/XXXX XXXX XXXX subject to federal lending regulations. 14 months later the amount owed has gone down {$5.00}. I sent an email to customer service to Greensky customer support and requested an explanation of exactly how they were calculating the interest. I received a phone call saying they were happy to talk about it but they were not allowed to answer anything in writing. More recently I sent an electronic payment showing it was received the same day it was sent. They processed it for 7 days and then charged me a late fee requesting two payments. This company is not disclosing per regulations. It is cheating seniors and new home owners. The correct interest rate being charged is not 9.9 % for 3 year term. The idea that this term was changed to 12 years with altered payments by the time any written disclosure was issued is scary for any consumer. I urge you to take action. We would never apply to some undisclosed out of state bank disguising its subprime lending under a Greensky consumer finance company. I will be happy to send any documents requested.
11/22/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	AZ 85138	Web
I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.
11/25/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	DC 20020	Web
I applied online for a Home Depot Home Improvement Project Loan in the amount of {$20000.00} on XX/XX/XXXX which was approved for {$10000.00}. At that time I accepted the loan and electronically acknowledged the loan approval and was provided a loan number with my loan approval amount. The system notification also stated that I could request an increase through the company 's XXXX number. On XX/XX/XXXX when I received my kitchen project final quote from Home Depot, I attempted to increase my loan to {$20000.00} but was told by the rep that an increase could not be approved but that the original approved amount of {$10000.00} would be available. On XX/XX/XXXX I presented the loan document and a cashier check for the project difference to the store and the loan was blocked. I spent over 90 minutes in the store at the register talking to the loan customer service department Account Supervisor who stated that the previously approved loan was loan was blocked for " income verification '' and that I would have to provide proof of income. The options offered were check stubs for the last thirty days and income statements. I am self employed and happened to have with me copies of XXXX checks paid to me by the consulting company that I work. I was told that those checks were unacceptable because they could not see any taxes being withheld from the payments, and that if I was self employed I would need to provide my XXXX or tax returns for XX/XX/XXXX. I asked the loan customer service rep repeatedly ( more than three times ) why I was approved for the loan but never informed that it was contingent upon " income verification '' until I came to the store to make a purchase, only to be denied credit at the time ( 5 days later ) of my purchase. I received no phone call, email or regular mail to notify me of this situation. Ironically, when I returned home from the store the home improvement project loan card had arrived via fedex to my home. The following day I had to provide copies of my tax returns to the loan customer service department, and only then was I granted access to the credit for which I was originally approved on XX/XX/XXXX. I still was not given a reason for the block on the original approval. I am deeply concern that there was no notification policy or real approval process for actually obtaining credit offered.
12/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77042	Web	Older American
XX/XX/2022 Applied for a {$28000.00} one-year loan for house repair through GreenSky. Even though outstanding credit report rating XXXX and perfect payback history, GreenSky would only approve {$3500.00} and would not say why given credit history and rating. Asked them if we were being discriminated against given our ages, they would not respond, but just only approve small amount, which was just over 10 % of the amount need. XX/XX/2022, Received in XXXX XXXX mail letter from GreenSky that they 'Post Dated ' XX/XX/2022 -- see attached -- where they said 'to call or write to received specific reasons as to why they did not approve credit limit increase. ' Plus, they wrote 'they will provide a statement of reasons within 30 days of receiving this request. ' XX/XX/2022 called Greensky 's XXXX line per their letter and was told they would not comply with the letter as they don't give out that information. I repeatedly read them, 'their letter, ' but they would not comply with the document and give me any information or the statement promised. Said they would escalate to XXXX. XX/XX/2022 : someone claiming to be from Greensky called but would not identify themselves and their function. They and started asking for personal information -- such as birthday, which I refused, and they would Not say why they were calling or give their first name. They hung up. XX/XX/2022 : I called the GreenSky XXXX number again and talked to XXXX in Customer dept., who refused to honor the letter from Greensky and provide information as to reason for the credit limit and provide a statement. She repeated ignored what was in the company letter. Her refusal to cooperate and fixation with requesting my date of birth, which should not matter, clearly showed this was an age discrimination matter. XX/XX/2022 : Received in the XXXX XXXX mail a letter dated XXXX XXXX, 2022, from GreenSky acknowledging the complaint, but saying we were not responding. This is a lie. If it was they, GreenSky, who called on XX/XX/2022 they should have not asked for personal information without confirming it was them returning my call and giving a first name. The XX/XX/2022 letter ignores my contacting them and their failure to provide the information promised in their letter. I have the phone records of when I called on my XXXX if needed.
05/29/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 190XX	Web
In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.
07/25/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	WA XXXXX	Web
An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.
08/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	MN 557XX	Web	Older American, Servicemember
On XX/XX/2022 I was approved for a loan through Greensky LLC. I received email stating I was approved. The loan was for work I was having completed on my home. Once the work was completed, I contacted Greensky to submit funds so I could pay for the services. On XX/XX/XXXX, I was told the loan was no longer approved and had to contact the fraud department for additional information. I contacted the fraud department and was told I needed to submit a copy of the front and back of my drivers license in order to be reconsidered for the loan. I submitted a copy that day and received an email that it was received. I was told this is requested for all customers. I also requested that the line of credit be decreased since we did not need what was originally approved. They stated once the loan was reactivated it could be decreased. I then received a letter dated XX/XX/XXXX from Greensky ( attached ) that the loan and request for a credit limit increase was declined. It also stated that our credit was ran through XXXX and information received was the reason for the decline. When I called on XX/XX/2022, I was put on hold for over 25 minutes by the associate picking up the line and placing me back on hold several times. I believe this was done intentionally hoping I would hang up because they did not want to talk to me or approve my loan. When I finally did talk to a manager, I was told I was not declined but they needed an additional copy of my drivers license. Between XX/XX/XXXX and XX/XX/XXXX, I did not receive communication that any additional information was needed. I inquired why we received a decline letter if the loan was previously approved and if all that was needed was a copy of the license that they already had, I should not have received a decline letter for that reason. I also inquired why my credit was pulled additional times. Greensky could not explain why I received the letter and stated I was not declined and could not verify if my credit was pulled multiple times. I am worried that my credit was pulled multiple times and is now affecting my credit and credit score and that they did not want to approve the loan because I am elderly. I believe Greensky has insufficient business practices and is practicing disparate treatment towards the elderly.
02/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77073	Web	Older American
I called XXXX XXXX for plumbing service on or about mid XXXX. XXXX XXXX came out said he could not do the work under my leaking kitchen sink because his work required some electrical work before he could proceed. He makes a phone call and an electrician sales and service guy appears telling me I had major problems in my panel box ;, geckos, gecko urine and that sent a surge and caused my electrical outlet under my kitchen sink to short out. I needed a new panel box and a surge protector. I am XXXX years old and all I could think about was animals, urine, wet, electrical, not good. He arranged for my electricity to be turned off, the electrical guy came out to replace my panel box. He said there were No geckos, no urine, and wanted to know why I was having that work done. I contacted XXXX XXXX to tell them the salesman sold me an electrical panel and a surge protector on a lie and I wanted it back to the way I had it before. They sent out a manager about two weeks later to, what he said, gather information. A lady by the name of XXXX called a few days later to tell me that they could remove the surge protector but they could not remove the panel or I would not have electricity. and wanted to know how much I thought I should pay for the panel since they could not remove it. I said nothing since it was sold to me on a lie. Long pause. Then I asked, well how much do you think I should pay for it and she said she would have to see and get back to me. They have not removed the surge protector. I have called several times and have talked to XXXX, XXXX, XXXX and XXXX and nobody returns my calls to let me know whats going on. In the meantime I chose to finance, interest free for 18mos. I got no written paper work, no idea who was going to do the financing. Soon after I get bill from a GreenSky Program Loan Account for a balance of {$5600.00}, interest rate 24.99 %. I sent them an email to tell them its in dispute but they are sending me letters saying if I dont pay they will turn me in and report me to the credit bureau. I have very good credit and do not want that but at this point I do not know what to do. If XXXX XXXX would answer my calls I would pay them for the work that I did need. I do not want to deal with GreenSky, they are about to ruin my credit.
10/15/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WI 53029	Web	Servicemember
We entered into a contract with a window company on XX/XX/2021. GreenSKy was the finance company they used. We were qualified and put a down payment of {$3600.00} on Green Sky account and {$4500.00} our XXXX rewards CC. The remainder was to charged per contract upon 1 ) completion of job 2 ) full inspection with customer 3 ) formal consumer approval 100 % satisfaction per contract language. On XX/XX/2021 the final amount XXXX was charged to our Green Sky account. The job was not completed and as of today, XX/XX/2021 we have no windows. After numerous phone calls to the window company and also GreenSky that amount was finally credited back on XX/XX/2021. After this happened we did a lot of investigating, We contacted the XXXX and XXXX and both have a file of complaints with this window company and also with GreenSky. After months of being told that the windows are not done and the manufacturer was behind, we contacted that manufacturer to find out that our windows had been done since the end of XXXX. They even sent us pictures of our windows sitting in their warehouse. The window company owed them money and they had many many orders basically being held hostage until they paid their debt. At this point both the XXXX and XXXX sent a letter to the window company asking for our down payments back and out of the contract. He did not respond to them. We also disputed the down payments with both credit companies. GreenSky did take the {$3600.00} off. Our statement on XX/XX/2021 showed a XXXX balance at which time we closed our XXXX account and received a letter stating it was closed.. Today we were notified that they, GreenSky reopened our account, without our approval and put that amount back on stating that the window company had receipts showing the money they have spent on our windows. Seven months since signing the contract we have no windows. We have been lied to, our money was taken without our approval. Our windows were also ordered incorrect and according to the manufacturer were reordered 5 weeks ago, they are still not made and in a cue according to time stamp. We are GreenSky 's customer they have not defended us but backed the window company. We also know from the XXXX in Wisconsin we are not the only one Thank you
08/05/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MD 21117	Web
False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.
08/21/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 94550	Web
XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.
05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08618	Web
My name is XXXX XXXX. I financed windows with the merchant XXXX XXXX XXXX on XX/XX/XXXX. The total finance charges were {$17000.00} which is currently is good standings/repayment. I am listed as the sole buyer on this account. My roommate XXXX XXXX XXXX did a separate finance with XXXX XXXX XXXX on XX/XX/XXXX for a storm door for {$1900.00}. I ( XXXX XXXX ) was involved with this purchase. The storm door was installed and I was not present nor did I sign any contractual agreement. After my roommate never receiving a bill for the storm door, it was later discovered that XXXX had sold the account to Greensky and placed the delinquent account on my credit report. After review of the contract, it has the buyer 1 as XXXX XXXX and buyer 2 as XXXX XXXX which was never agreed upon as I was the individual responsible for the account regarding the windows. Both myself and XXXX spoke with the merchant who stated they would resolve the problem and start issuing bills in XXXX XXXX 's name. However, since then I have not heard back from the merchant but was later informed that the individual who wrote up the contract is no longer working for XXXX. I initially had the account removed from my credit report. Strange enough, Greensky has XXXX 's phone number which they call frequently and when he answer the call and explains the situation, they state they can not discuss the matter with him as he is not the account holder. This is incorrect as he is clearly listed as the buyer/buyer XXXX on the contract they as well as myself have. We eventually spoke with Greensky on multiple occasions and the account was remarked multiple times prior to them informing us they would look into the matter to resolve the issue. In addition, I was instructed to file a police report, which I did with XXXX Police Department ( police report # XXXX ). However, today XX/XX/XXXX I received notification that my credit score dropped 74 points as Greensky has put this account back on my credit report. I am very frustrated and tired of the run around that I am getting from the merchant and Greensky. XXXX is willing to pay the account, however, I want this out of my name and off of my credit as this is fraudulent and affecting my credit score.
07/23/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MA 01702	Web
MY COMPLAINT IS WITH GREENSKY ONLY, PLEASE DO NOT CONTACT THE OTHER ENTITIES I opened an account with Greensky to finance a new roof on the house through XXXX XXXX XXXX XXXX. The roof they did was not done properly and i put a freeze to prevent the merchant of putting a the final payment charge on my account, however what i didn't know was the charge already happened and had not posted yet. The charge went through and i was livid. The contractor did not finish the job properly. The contractor eventually refunded the final payment in the amount of {$3600.00}, and that charge is going to wind up in court. The initial payment was the down payment for the job was charged to me at {$1800.00}. However that charge of {$3600.00} was fraudulently charged. The fact that it was refunded, does not make it right and I want documentation on what happened. Greensky requires the contractor to get authorization from the borrower before any charge is processed. I never gave my authorization to the contractor. There was no communication that authorized the final payment, because at that time, I made it clear that elements in the home improvement contract was not complete. Additionally the building inspector has furnished a letter stating the roof is not built to code. Per Greensky, an electronic signature was put in under my name authorizing the final payment/transaction. I have demanded whatever documentation they have on that transaction, and they have refused. I want whatever documentation there is in relation to the charge itself. I want to data entered into the terminal, app, or system, a copy of my signature, or whatever box was checked showing my agreement to that charge. Greensky openly acknowledges that it is a technology company and not a financial instituion. My loan is through XXXX XXXX, XXXX XXXX refuses to talk to me because I do not have the bank account information due to a Greensky " error ''. Greensky refuses to give me my bank info so I can complain to the bank itself and not Greensky who is not bound by consumer protection laws in regards to finance. I demand my bank account so when I say the word " Fraud '', it is to a bank and not a technology company, and that action will be taken.
09/20/2017	No	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	CA 92126	Web	Older American
I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. Thank you for your help.
04/13/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	FL 33487	Web	Older American
I had to have emergency electrical work done in my home. I am a XXXX year old single woman who lost my job due to Covid19. The amount of the bill for the electrical work was {$10000.00}. I told the company that I didn't have that kind of money and they offered to get me financing. They called GreenSky to get approval for a credit loan. I was given a line of credit exceeding the amount needed. The work took place the week of XX/XX/XXXX but was and is not completed, and the fixed payments to GreenSky are to start @ 40 days thereafter. On XXXX I was notified via email, that there was activity on my account. GreenSky paid the electrical company, Mr.XXXX, the full amount. The contracted work has not been completed. I then called GreenSky and asked them if I was their client, of course was their answer. I then told them that any credit card company calls their client when there is a large charge that is not usual and asks for authorization for the charge. I asked them why I wasn't notified? I asked them if they were aware that the job was not completed? I asked them if they pay for services in full when a job has not been completed? I told them that they left me holding the bag in essence because Mr. XXXX is not responding to me regarding finishing the job and that now, why should they when GreenSky has now paid them in full. From their actions, it appears to me that they were doing what was best for Mr. XXXX, and not me, their client. It makes me question just who their client really is? I got no response and when I asked to speak to a supervisor I was told to take it up with Mr. XXXX. As I mentioned in the beginning, I am out of work because of Covid19 and now I have been notified by the Credit Bureau Agencies, that my credit has dropped over 30 points because of this. I called the Consumer Financial Protection Bureau and was told that of course I could lodge a Complaint but that it doesn't necessarily mean that action would be taken. I was told that there has to be many complaints before action is taken. In looking at your database, it seems that many people have complained about GreenSky. I hope adding my Complaint will result in action being taken. Thank you,
11/29/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	NY 14620	Web
Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. No phone call was received. I made do with my credit card. I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. I sent an email to explain that I would be contacting you. XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89044	Web	Older American
The problem with Greensky Financial or Greensky LLC has been ongoing since last year, originally the company opened a line of credit that was not asked for or authorized, I only asked that my credit be checked to see if I would be preapproved, this should have been done with a soft inquiry, not a hard inquiry, this matter was reported to the XXXX and the Attorney General 's Office, the company told XXXX that they would close the account, the company did not respond to the Attorney Generals Office, this year on XX/XX/2019 Greensky placed another Hard Inquiry on my credit report, I did not contact the company inquiring about credit, the company said that they would close the account and not make any more inquiries last year, I made another report to XXXX and filed another complaint with the State Attorney General 's Office of GA ; on XX/XX/2019, I faxed proof to the company from XXXX listing the hard inquiry done on XX/XX/2019, the company continues to say that they did not make the inquiry despite proof stating otherwise, I disputed the hard inquiry to XXXX and the inquiry was removed, Greensky did not remove the inquiry because XXXX removed it. I asked the company to stop calling me in my fax on XX/XX/2019, today, XX/XX/2019, XXXX called and left another voicemail asking to call her, I have spoken with her twice, I have returned both of her calls, my continuing to return the calls from the company are pointless, I asked the company to mail any information pertaining to this matter via certified mail, I advised the company yesterday, XX/XX/2019 that their continued phone calls and attempt to lower my credit score are acts of fraud, harassment and the entire matter would be turned over to my attorney, despite this, XXXX called again today, this is not only harassment, this is an attempt to defraud a vulnerable senior citizen, this has caused undue stress, anxiety and is costing me time and money to report these continued provocations. I want this company to leave me alone, close this account and make no further attempts to lower my credit score on an account that was fraudulently opened in the first place.
03/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 342XX	Web	Older American, Servicemember
On XX/XX/XXXX we met with XXXX XXXX ( XXXX ) of XXXX XXXX ( XXXX ) and agreed to purchase hurricane proof replacement windows for our home totalling {$30000.00}. We agreed to this purchase based on the financing offered through GreenSky Program Plan XXXX, where the first 18 payments would be reduced to " interest only '' or {$150.00}. After the initial period the payments would be {$300.00}. On XX/XX/XXXX XXXX called us by XXXX to say our loan was approved. After the windows were installed I received the consumer note that showed the full payment amount due for the length of the loan with no reduced payment for the introductory period. I contacted the bank customer service department at XXXX where I was informed my first 18 payments should be {$150.00}, which agreed with what we were initially told. That the paperwork we received was wrong and would be corrected. We received our first statement where the payment amount due on XX/XX/XXXX is {$340.00}! I contacted customer service where I spoke with " XXXX '' who informed me the plan XXXX we applied and was approved for ended on XX/XX/XXXX and our loan was approved on XX/XX/XXXX and there was no introductory period where the payment was interest only anymore. Sorry. I contacted the finance manager at XXXX XXXX. They were not informed of the change in the program and continued selling it for weeks after GreenSky made the change. They have complained to GreenSky without satisfaction as well. We are not the only consumers damaged by the lack of communication by the bank. I am a XXXX XXXX Veteran on a fixed income. We moved forward with this transaction after determining that the initial 18-month period of lower payments gave us time to sell and close on property we still own in Ohio. Now we are faced with financial hardship making higher payments than promised and budgeted for. I feel that XXXX XXXX and myself did our due diligence. Without information from the bank to the contrary, it was reasonable for us to believe the program was still in force and we were reasonable to anticipate the payment program we agreed to.
10/27/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94531	Web	Older American, Servicemember
GreenSky Financial is trying to collect a debt that I never agreed to, and that I cancelled within three days, and is ruining my credit. A salesman from XXXX XXXX XXXX came to my door to sell me solar panels. He told me a bunch of information that turned out to be false, including about whether the solar panels would save me money. The salesman told me the panels would power my house, but XXXX XXXX XXXX told me later the panels were not sufficient to power my house. I never signed a loan agreement, but in XXXX 2013 I received loan documents from Greensky Financial claiming I owed {$17000.00}. They sent a loan agreement without my signature, and I never signed any agreement. I sent a notice of cancellation on XXXX XXXX, 2013 to XXXX XXXX within three days of signing the application ( I never signed a loan agreement, only an application and paid an application fee ). But then I received a statement claiming I owed GreenSky {$17000.00}. Later I found XXXX XXXX installing solar panels on my house. I immediately asked that they stop, I asked the VP of the company for them to stop, and even reported them to the county, but they did n't stop. GreenSky is now reporting on my credit report and it has ruined my credit. I have been denied for refinancing my house as a result of the GreenSky reporting. I have asked them multiple times to remove the reporting and waive the debt since I never signed any agreement and they have refused. I disputed with the credit reporting agencies but they claimed GreenSky verified the debt. I found help from a legal services attorney, and GreenSky will not provide him with any agreement that they claim I signed. They are completely non-responsive but are still ruining my credit. I did n't agree to borrow {$17000.00} and I submitted a notice of cancellation as soon as I saw they were confused. Now my credit is ruined. The stress of this situation has caused my health to deteriorate. My XXXX has XXXX and my XXXX has gotten worse. I always took pride in my credit and GreenSky has ruined it.
05/07/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 91401	Web
Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.
09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80220	Web	Servicemember
An account with Greensky Trade Credit , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA was established for financing a home repair project via XXXX. I never received a bill for the completed project therefore, I had to personally contact the establishment to inquire. During my telephone conversation with Greensky, I was directly told the specific reason was directly due to an improper mailing address. They further stated that the correspondences had been returned to them a period of five months had elapsed. XXXX financed the project via Greensky. Therefore, there are two addresses listed on all documents. There are a physical address of the property and are my mailing address. These addresses were established at the initially from the onset of financing the construction. I repeatedly asked a representative of the company during my conversation with her why an invoice had not been sent. She justified action due to an incorrect mailing address. Prior to ending the conversation, I was told that an invoice would be mailed. To date, I have still not received the documents. A day after my conversation with the company representative I received an email alert notification of an adverse thirty-day delinquent credit report. In addition, a second adverse repot was listed on my credit report. An individual from the company whom identified as XXXX telephoned and left me a voice message in references to the account. The voice message directed me to return the telephone call. Upon retrieving the message I immediately returned the call. However, I did not speak with XXXX directly but another representative. I provided the reason I was calling and an email for any additional communications. The representative assured me that the message would be relayed and I left a voice message to ensure full communication of the issue. The company still refuses to provide me an invoice and any additional documents but they are being allowed to submit two adverse thirty-day delinquent credit reports.
09/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	AL 35242	Web
On XX/XX/XXXX we signed a contract with XXXX XXXX 's ( aka Great Day Improvements LLC ) salesperson XXXX XXXX to manufacture and install a screened in patio with " work to start approximately XXXX weeks from the date of the contract ''. XXXX XXXX finances their work through Greensky, so we took out a loan with Greensky on XX/XX/XXXX with the salesperson directing our application. We are now 21 weeks out from the contract date and no work has been started. We can not even get a firm start date of when to expect work to commence. So far the dates we have been provided are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. We have been charged {$4100.00} as a down payment that we are currently paying on. Whenever we call XXXX XXXX to get a status update, the only information we are provided is that the material is not in and they don't know when they will receive it. When we ask for call backs with further information, we never receive responses and have to follow up ourselves. Noone can provide a definite date when we can expect work to commence or even if/when they will get in our material. Meantime, it is obvious from online reviews that customers who put in their orders months after us have already had their patios installed. We had to get an approval from our HOA to get this patio installed and that approval expires XX/XX/XXXX. Last week I reached out to Greensky to either get the work complete by XX/XX/XXXX or cancel my loan and get a full refund since the company has not kept up their end of the contract. Greensky says they can cancel later installments, but can not guarantee a full refund of the deposit amount unless the vendor agrees. I'm not sure why a vendor gets to keep half of the total amount of the work when they have done nothing and are now over a month out from what the original contract said would be the completion date. Greensky should be protecting the consumer here when the vendor is not doing what they agreed to do.
04/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY XXXXX	Web
My business : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX We contracted with greensky , llc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX ( XXXX ) XXXX Our Account Executive : XXXX XXXX XXXX ( XXXX ) XXXX direct ( XXXX ) XXXX mobile We entered into contract with greensky to offer financing for our customers/homeowners. We are an XXXX company and sell XXXX XXXX XXXX XXXX XXXX. We sell XXXX equipment to homeonwers, and greensky finances the project. Greensky deposits the funds into our bank account less greensky 's fees. The fees are pre-negotiated and are contractual. Greensky is charging more in fees than we are signed up for, under contract for, obligated to. Greensky is ripping us as a business off. Greensky is 100 % aware of this ; they know that they owe us a refund. We have yet to see the refund. On XX/XX/XXXX we accepted the rate sheet sent to us by XXXX XXXX. Our first sale was processed XX/XX/XXXX. We emailed our rep XX/XX/XXXX because the fees were incorrect. We have since processed another loan on XX/XX/XXXX. On XX/XX/XXXX we emailed our rep because we were charged more than what the fees were supposed to be, again. What has happened since we signed up for greensky 's lending program : XX/XX/XXXX greensky funded a loan, and the fee should have been 4.5 % ( plan XXXX ) or {$240.00}. We were charged {$500.00} ( 9.35 % ). Difference of {$260.00} that they owe us. XX/XX/XXXX greensky funded a loan, and the fee should have been 7.75 % {$550.00} ( plan XXXX ), but greensky charged {$940.00}, a difference of {$350.00} that they now owe us. I have attached the rate sheet of what we signed up for, and you can clearly see what the merchant fee ( cost to my business ) should be. I also attached our current rate sheet that shows all the plans that we offer and what the merchant fees are. As of the date of this complaint, we are owed a refund in over-charged fees of : {$600.00}
08/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29418	Web	Older American, Servicemember
In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX
10/09/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NJ 08205	Web	Servicemember
XXXX XXXX, XXXX Rt XXXX XXXX XXXX Shade NJ XXXX, used my credit info/ss # to obtain a {$29000.00} loan from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. A XXXX Banking XXXX, XXXX, GA. I never agreed to any type of loan or did I agree to any contract with XXXX XXXX ( XXXX ) to install solar panels at my shop. I talked to a salesman from XXXX, and agreed to allow them to give me a quote on the project. They sent out a roofer to look at my roof, who claimed they needed to remove and replace new roof. The following day I received a bill from GreenSky ( GS ) with a interest only amount due of {$29.00}. I had never even heard of GS. I contacted XXXX, and told the I was no longer interested in having solar panels installed at my shop. I then received another bill from GS, with {$58.00} due a a {$39.00} late charge. After reviewing the bill it notice XXXX took a {$5900.00} draw from my loan of {$29000.00}. I never agreed to this installment, or did XXXX do any type of work at my shop. I contacted GS, who dispute what i told them said the need to look into my contract. XXXX than sent me a bill for {$790.00}. Claiming I owed them {$640.00} for bank fees paid on deposit. XXXX {$150.00}, for having a roof look at my roof. Assuming I 'm going to pay them money in advance to a signed contract for bidding on a job. They also did not return any phone calls fro GS, regarding the {$6000.00} dollars the received from loan. After spending countless hours on the phone with GS, they decided that I owned XXXX, {$150.00} in fees to XXXX, for work done. XXXX {$150.00} so a roofer could bid on my roof. GS gave me the impression that they had some type of ownership in XXXX XXXX. All along my credit report is showing I have an outstanding loan for almost {$30000.00} dollars. I was also in the progress of buying a new SUV for my shop. I believe GS outstanding loan hurt my credit report thus causing me to pay additional interest on the vehicle.
01/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 398XX	Web
Hello, I notice a fraudulent account on my credit report around XXXX of XXXX in the name of GreenSky financial. I immediately filed the necessary paperwork for the fraudulent account, sent everything to the credit bureaus the account was removed. On XX/XX/XXXX I received an email from XXXX alerting me about my credit report, I logged in to see Greensky added the account back to my credit report as accurate and it was a valid debt. I immediately called them, was transferred to a specialist and was told to send over the necessary documents which were the affidavit and police report. I did that the same day. I never heard from any one. The account was still reporting on all 3 credit bureaus. I sent over validation of debt again on XX/XX/XXXX and has yet to receive any paperwork. I sent another validation of debt on XX/XX/XXXX and it was received on XX/XX/XXXX and validated as accurate on XX/XX/XXXX. I still have yet to receive any paperwork from this company. I talk to a customer service representative by the name of XXXX XXXX after giving her the information if the account number provided by my credit report, I was able to ask her if she was able to send me the original loan documents, she stated she was not in the collection department or validation of debt department so shes not so sure if they could provide that. She also stated that they may not have those documents because it was electronically and they just dont have those on file, she also stated they can not provide certain documentation due to HIPPA law. Im waiting on a XXXX to reach back out to me about this. This has been a nightmare and GreenSky has violated the FCRA by not handling the dispute properly and also failure to send me any documentation pertaining to this account. I sent the validation of debt letter to XXXX XXXX via email today on XX/XX/XXXX. Im hoping to have this account off my credit report soon as possible.
09/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DC 20011	Web
In XX/XX/XXXX my husband and I purchased new windows from XXXX XXXX. The sales representative for this window company offered us interest-free financing for 18-months through them. We agreed that this was a good deal, made a down-payment and signed up for the financing. There were production delays and the windows were installed in XX/XX/XXXX. A few weeks later Greensky called us to say our account was about to be past due. We explained that we hadn't received a statement. Immediately made a payment over the phone and signed up for automatic payments. We called XXXX XXXX to report that we were about to be charged a late fee even though we didn't have a bill. At the time that we made the payment I confirmed with the Greensky representative that we had 0 % interest on our loan until XXXX. I asked what the balance was, divided that by the number of payments between that date and XX/XX/XXXX and set up automatic payments in that amount so that we could get the maximum benefit from the promotion. In XX/XX/XXXX I saw a statement for our loan from Greensky indicating we had paid {$52.00} in interest this month and {$200.00} since the loan originated. It listed an APR of 24.99 % while also saying in bold that we have a promotion until XX/XX/XXXX. I called Greensky on XX/XX/XXXX and a representative explained that to this company " promotional rate of 0 % '' means that we will pay interest for 18-months and then the interest will be refunded to us at the end of the promotional period if we have paid our loan in full before then. This is obviously not what 0 % interest means. No-interest does not mean that a company will charge you, invest your money, and then return you that money minus any profit they made off it. This is an unethical and irresponsible business practice. I appreciate your efforts to look into this and to stop irresponsible lending by this company.
02/20/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 27537	Web
SOMETHING IS SERIOUSLY WRONG WITH GREENSKY. I HAVE MADE THREE PAYMENTS WITH THREE DIFFERENT CONFIRMATION NUMBERS AND ALL ARE REFUSING TO POST TO CONTINUALLY TEXT AND EMAIL ME WITH HARASSING AND THREATENING WITH BAD CREDIT. ALL NEED TO DO THEIR JOB AND STOP HARASSING AND THREATENING ME. STOP TEXTING AND EMAILING ME WITH THEIR STUPIDITY. THEY NEED TO CHECK THEIR PHONE RECORDS AND POST THE PAYMENTS. THEY NEED TO DO THEIR JOB OR GET SOMEONE THAT IS CAPABLE. IT STATED THAT IT COULDNT FIND MY ACCOUNT BUT IT CAN CONTINUALLY TEXT AND EMAIL ME WITH THE INFORMATION ON THE ACCOUNT. I HAVE PAD THREE PAYMENTS WITH TWO BEING PAID BEFORE THE DUE DATE. I AM NOT BEHIND. I AM AHEAD WITH TWO PAYMENTS. SO, NEED TO POST THE PAYMENTS AND STOP HARASSING AND THREATENING ME. STOP CONTACTING ME WITH ITS INCOMPETENCE AND GET SOMEONE WHO KNOWS HOW TO POST PAYMENTS TO MY ACCOUNT. IT NEED JUST CHECK ITS PHONE RECORDS AND POST THE PAYMENTS THAT IT AS REFUSED TO DO. IF YOU CAN CONTACT ME YOU CAN POST TO MY ACCOUNT THAT IS WHERE YOU GOT THE CONTACT INFORMATION. JUST GET SOMEONE TO DO THEIR JOB AND STOP HARASSING ME. THE CONFIRMATION NUMBERS ARE XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. MY PAYMENT HAS NOT BEEN BEHIND BUT AHEAD. IT JUST WANTS TO HARASS AND THREATEN ME WITH BAD CREDIT. EMAILING AND TEXTING ME SAYING IT COULDNT FIND MY ACCOUNT FOR THE REASON IT COULDNT POST MY FIRST PAYMENT. YET, IT IS USING INFORMATION IN THE ACCOUNT TO CONTACT ME. AFTER BRINGING THIS TO ITS ATTENTION THEN IT TRIED TO BLAME IT ON MY BANK INSTEAD OF JUST DOING ITS JOB OR GETING SOME ONE ELSE TO POST THE TRANSACTIONS TO MY ACCOUNT.I AM TWO PAYMENTS AHEAD. I AM NOT BEHIND. I AM WARNING EVERYONE I KNOW NOT TO DEAL WITH GREENSKY, ITS PARENT COMPANY AND XXXX HOMES. ONE THING FOR SURE THERE WILL BE NO REFERALS FROM ME. NOW, IT NEEDS TO STOP HARASSING AND THREATENING ME WITH BAD CREDIT. THANK YOU,
11/21/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	ID 83301	Web
The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. XXXX XXXX
01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94566	Web
I opened an account with Green Sky Lending on XX/XX/2018. This is showing on my credit report as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX. Phone ( XXXX ) XXXX. This account was for the purchase/financing of a XXXX XXXX manufactured & distributed by XXXX. XXXX had promised to provide a monthly participation stipen for opting into a case study for how the water helped with health ailments. In the end, the XXXX case study & XXXX XXXX was a complete scam. I reached out to the lender Green Sky to help with the situation as they had partnered with XXXX. You can find many articles addressing lawsuits against XXXX, including a Green Sky suing them for fraud. I asked Green Sky multiple times to help with this burdensome monthly payment. Green Sky told me to go ahead & hold off on making payments as they had opened & investigated a potential fraud case for loan. Unfortunately, Green Sky did not find evidence of fraud to assist with the loan balance. I only asked for assistance because they were dealing with thousands of customers experiencing the same issues. While this investigation was ongoing, Green Sky was reporting to my credit delinquencies. These late payments added up over time. I eventually paid the balance in full. I asked Green Sky to delete the account from my credit as a sign of good faith & payment in full given the circumstances. Green Sky stated they would report the account as paid in full, but could not delete the account from my credit. The late payments have hurt my score & will continue to reflect negatively. I do not feel this is fair since a good amount of the time was Green Sky investigating the allegations on my account. Again, I have paid the balance in full & I am just looking to repair my credit by removing the account. It is the least I can ask for given the nature of the fraud. Thank you & I look forward to hearing from you.
02/10/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CT 06770	Web
I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?
01/02/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MI 48348	Web
We received a bill for {$14000.00} from " GreenSky '' on XX/XX/2019, with an interest rate over 25 %. However, we have never agreed to any loan from Greensky, we have never signed any financing paperwork or approved anything related to a " GreenSky '' account or loan whatsoever. We've never seen any loan information ( other than a bill, after the fact ). The account was fraudulently opened and fraudulently charged against, apparently by a contractor who did terrible work and never finished the job. I believe this as " XXXX XXXX '' ( the contractor ) is the only charge against the account. They apparently took our information and took out a loan without our knowledge or consent. We immediately called the company, " Greensky '', that day, and submitted a Dispute in writing per the directions on the bill. They told us they need to investigate and that they would get back to us. Someone then told us via telephone that we are responsible for the loan. We asked for proof, documentation, signatures, anything at all they have that would establish this loan is legitimate ( which we know it is NOT ) and they simply refused. They acknowledged that they did not have any type of loan agreement in their possession. They have not responded to any of our written inquiries or disputes ; we emailed their dispute department on XX/XX/2019 and XX/XX/2019, and sent a certified letter on XX/XX/2019 ( which they did receive ). They have refused our requests for additional information, or documentation supporting their belief that we are somehow responsible for this loan. When we call the " representative '' they assigned us, the call goes immediately to voicemail. When we call the XXXX number, we get re-routed to that same voicemail. They are refusing to speak with us or answer our correspondence, and continue to send us bills for this amount.
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29445	Web	Servicemember
In XXXX of 2020 I called XXXX XXXX XXXX because I have a critter in my attic. They came and tried to get rid of it. They were here a few times. Still critter is up there. They said that they can XXXX all the insulation out and I could get new rodent deterent insulation to go in. So I signed the paper work and they financed it through Green sky. On the fourth visit they said that the truck was on its way but it broke down on the road. I told them that they are not going to put in any insulation till they do what they were hired to do and that was get rid of the critter. The manager came over and went up in the attic and said he didn't see anything, but yet it is still up there. I asked him to refund Greensky since they already got the {$5000.00}, because I was not letting the insulate anything since they did not do the job they were hired to do. He said he was not going to refund their money and I needed to let them come put the insulation in. I told him they did not do what they were supposed to do. I went up in the attic and all I saw was them getting ready for the insulation and a smashed A/C duct that went to my A/C. I had that repaired at {$600.00} but they never refunded Greensky and my credit keeps going down and down. Mind you this was in XXXX and since then I have sent back all bills to Greensky. On my credit report it says I made a few payments, which I did not, and I had a few disputes started with them to no avail. Then I get a letter from Greensky stating that my account is paid in full and thanks for using them bla bla bla, and they are sending me bills and calling my home every week. Services were not rendered and they are killing my and my husbands credit. I also lodged a complaint with the XXXX and Federal Trade Commission.
01/27/2023	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34748	Web
Hello, My name is XXXX XXXX. I started this loan on XX/XX/22 with Greensky. I recently had my payment go up because of my 6 months promotion period ended The company never left a message that I had a past due payment of {$1.00} cents. I originally started autopay on my billpay through my bank from the beginning and have never missed a payment until this time when I was unaware of what was going on. The call I assumed was a scam call due to no voicemail being left. I recently them checked the statement online and noticed I was being charge 2 separate finance charges. 1 for {$68.00} and XXXX monthly. I was told from the very beginning that it would only be XXXX XXXX APR from the company that referred me ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) who said they partnered with greensky for financing for their Fences which i was getting at that time with superior fence. I called and asked about the interest charged and the associate told me theres interest charged on the total remaining balance which was {$8300.00} I did this loan to really just help my finance XXXX XXXX rebuild her credit. I couldve paid off this loan from the start if the loan information was correctly disclosed and when I asked the greensky representative to why I was never informed. They said they dont have to or need to disclose any loan information if I dont ask. What kind of loan company now owned by XXXX XXXX doesnt let their clients know about the loan theyre getting into. They is the worst experience Ive ever had with a credit related transaction and Im amazed how this company preys on consumers with high finance charged and NO transparency. I recently just paid this loan off in the lump-sum amount owed to greensky. I will never do business with this company again.
02/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NM 870XX	Web	Older American
On XX/XX/2020, I contracted with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' XXXX XXXX ) to replace windows and 2 doors in my house in XXXX XXXX NM. They set up 18-month same-as-cash financing with Greensky of XXXX, GA as part of the sales incentive. Payments were supposed to be 50 % to start and 50 % at completion. In XX/XX/2020, due to bad experience with XXXX, I asked for a hold to be put on the account to stop any more payments to XXXX. Greensky agreed, placed the hold, and has always agreed the hold was placed. However, on XX/XX/2020, Greensky paid XXXX the second 50 %. At this time, XXXX had not satisfactorily completed the work. I had not been contacted by XXXX claiming they had completed the work. There were still 2 significant problems with the work. I was not contacted by Greensky either, asking to lift the hold. After several failed attempts to fix this by phone, on XX/XX/2020 I sent an email to Greensky followed up by a letter on XX/XX/2020. XXXX XXXX of Greensky responded to my email and opened an investigation. On XX/XX/2020, XXXX called me to say that the investigation found that I had signed a document attesting to the completion of the work ( which I absolutely could not have since I have had NO contact with XXXX since XXXX XXXX and that document allowed them to lift the hold from my account. As of that evening, the disputed charge had been added back to the account. I asked XXXX to forward the document she said allowed them to pay, but have not received any reply. I also managed to finally contact XXXX XXXX XXXX XXXX XXXX who said they would try to get the problems fixed and would send the documents that allowed them to take the final payment from Greensky. I have not received any copies of such documents at this time.
12/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	KY 40245	Web	Older American
On XX/XX/XXXX I had our contracted XXXX dealer out to fix my furnace. As soon as he saw our 8 yr. old furnace he said these furnaces are NOT very good. He looked at it and said it needed {$5000.00} to fix. He then became a salesman and showed me his brochure of XXXX XXXX systems. Prices were outrageous ours was {$16000.00} I asked was there a discount for cash and he said no. He said I can get you ZERO interest loan at $ XXXX for 60 months. I signed an XXXX to get furnace installed. I did NOT agree to these terms because I would wait for the hard copy explanation of the loan and decide then. To this date I have not received a copy of the loan agreement, bill of sale, financial figures, building permits, a completion form, or final inspection from our county permits dept. Officially the furnace work is INCOMPLETE! XX/XX/XXXX I get an email from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. Email said they had charged me {$16000.00} for my furnace ( payments XXXX X XXXX mos ) and had set up an account! I did NOT give them permission to do this. I protested and they sent me an email. We called the lady in charge of protests and she said we signed the contract that I NEVER saw! I think GreenSky, in collusion with XXXX dealer, charged me INTEREST up front in violation of the Truth in Lending Act! The outrageous price ( XXXX above MSRP ) indicated there was extra fees added and they TRIED to call it NO INTEREST loan. I did not agree to the terms and ONLY signed the order form to get a furnace installed. I would appreciate any help you could send my way. My credit will be ruined and a lien put on my house, and possibly get sued. GreenSky lost a XXXX XXXX lawsuit in XXXX, XXXX for the same practices! Now they are doing it again.
05/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93536	Web
My complaint is about : Greensky , LLC ( the Lender ) On XX/XX/2019, I was referred to this company by XXXX XXXX XXXX, a dentist that used fraudulent diagnoses to make me believe that the work needed for my teeth wasn't covered by my insurance ( which was not true ), and that I actually needed more work than was necessary. This dental office has only started the work, and I suspected they were trying to rob me. I obtained a second opinion, and confirmed that in fact, most of the work they said I needed was unnecessary. At this point, the dentist has only done preparatory work for me, and all services have not been rendered, yet Greensky has already sent them payment, and then sent me a bill for {$7800.00}. I reached out to Greensky, and they said that they would look into the issue, and that if I had not had services rendered, they could refund the payment. A " Resolution Specialist '' from Greensky called me during work hours and left me a message, but when I tried to call them back, they were never available, and I left them a message as well. It has been a week, and I have yet to speak to anyone at Greensky. I've only been able to contact them through email. It says in their own disclosures that they only issue payment for services rendered, and that has not happened yet. They replied to me today via email stating that services have already been rendered, according to the dentist 's office, and that's why they issued payment. I will be going to the dentist 's office tomorrow, XX/XX/2019, to ask why they have already billed for work they have not completed, and to ask them to cancel their intended work. I would like to ensure this doesn't happen to anyone else, and would like Greensky , LLC investigated.
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07728	Web
On XX/XX/2021, I received a call from a representative from Greensky Financial. I had made an inquiry of their finance programs but never authorized or gave permission for them to make an inquiry ( hard pull ) of my credit history, I had earlier this year had a flag put on my credit report that I should be contacted first before any credit inquiries are performed,. Also to validate my identity and verify I made any credit request. The representative informed me that she had already performed a inquiry of my credit history. I informed her that I never applied for any credit nor do I give permission to perform a pull of my credit history. The representative appeared a little frazzled and apologized for any misunderstanding. I asked her to cancel any such application and not to progress any further. Again she apologized and hung up. Shortly I received a notification was indeed performed without my consent. I immediately called the company to make a complaint. In the next week or two, I spoke to three individuals. The second representative who was named XXXX who eventually got me in contact with a manager, XXXX. I explained to her what had occurred. She understood the complaint and was going to investigate herself and get back to me. This back to XX/XX/2021 I had made calls several other times XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, She could not explain to me how a hard pull was performed on my credit history without my consent. She did agree that since there was a flag, that the representative should have called and received my consent before any pull was performed. Thank you for looking into this matter. Please feel free to contact me if any further information is required. XXXX XXXX email XXXX XXXX
05/11/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92705	Web	Older American, Servicemember
On XX/XX/2020 I attended a Free Dinner/Seminar provided by XXXX XXXX XXXX on the topic of XXXX. At the conclusion attendees were invited to attend a screening at their Offices for a {$79.00} fee. I attended this screening/interview with one XXXX XXXX, XXXX. ( the other Company Principle is XXXX XXXX, XXXX. ) I did not find out that they were XXXX 's and not XXXX 's until a few days later. Mr. XXXX repeatedly, with expertise, insisted that their program would end my XXXX XXXX XXXX XXXX XXXX I told him that I was a XXXX XXXX XXXX over 10 years ago and had not been tested for the last 5 years. I was assured that I could OPT Out of their Program and be refunded. I agreed to sign up for their program on that assurance by Mr. XXXX.I also mentioned that I had to wait 4 months for an Appointment with my newly assigned XXXX XXXX Doctor and the AppT was on XX/XX/2020 and he ordered an XXXX XXXX at that time. I received the XXXX XXXX results on XX/XX/2020 and the Test revealed that I was not XXXX!! I went to the XXXX Office on Monday XX/XX/2020 and met with Mr. XXXX and informed him of my intent to cancel and he accepted and said he would notify accounting. I signed a form that I would Quit the Program See Encl ( 1 ). According to XXXX the Total Cost is {$14000.00} and I Paid a Deposit of {$2000.00} which leaves a Net Balance of {$12000.00}. See Encl ( 2 ). No refund of the Net Balance has been applied BUT XXXX XXXX XXXX DID REFER the Net Balance of {$12000.00} to a Finance Company named GREENSKY as a DEBT in my name!!! See Encl ( 3 ). I am a XXXX year old XXXX United States XXXX and have received daily Phone Calls from GREENSKY, also Billings and Emails. Do not do MEDICAL business with XXXX!!!!!!!
08/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MN 55033	Web	Older American, Servicemember
On XXXX XXXX XXXX, my wife and I applied for a loan to remodel our basement room and qtr bath. Greensky approved us for XXXX dollars. we approved the merchant to take the XXXX first installment. On XXXX XXXX I receive a bill from Green sky for the sum of XXXX. The merchant somehow managed to get another XXXX WITHOUT OUR KNOWLEDGE OR CONSENT. We filed a complaint with green sky as to why we never received our alleged " XXXX '' and as to how the merchant got the sums without our approval. we have had a run around ever since. causing us XXXX monetary requirement for extra appraisals, and green sky hindered the police investigation for weeks before finally approving it, then I am also on my XXXX person handling my case, when I was told a month ago that it was kicked to the top officials for settlement. we have showed by letter, photos, when requested, and documents from others that the merchant never did more than XXXX worth of work before we fired them. he never bought material, and we were left with a clean up bill when they refused to come get their mess the merchant has offered XXXX When in fact he took without permission XXXX dollars. green sky sent us our package XXXX XXXX XXXX XXXX XXXX XXXX it came in my wife 's maiden name. we have been married for 10 yrs. also when we applied for the loan we used or submitted to the merchant our Drivers License. It will be 1 yr now since we applied for our loan, and proceeded to do our basement. We have spent close to a thousand dollars for appraisals, lawyers fees,, Yet Green sky still will not admit it sent the sky pass to the merchant directly. there is no other way the merchant could have gotten the money without scanning the bar code.
10/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80221	Web	Older American
In XXXX XXXX, I called XXXX XXXX, to clean my AC unit and furnace. XXXX XXXX was having a special price to complete both cleanings for {$29.00}. The XXXX XXXX service person, was in the process of cleaning the furnace and brought to my attention the condition of the furnace. The circuit board was burnt around the holes where the diodes and resistors are soldered in. The previous owner installed the furnace directly on the floor, instead of platform, which is the proper way to place a furnace. There were numerous and dangerous issues with the furnace. The service person, advised me that it would be best to replace the furnace. After seeing the pictures of the furnace, I was in agreement. The XXXX XXXX service person, then called the office and a manager was instructed to come to my house to sign a loan agreement. I signed the agreement, thinking that there wasn't an option or an alternative for me, as I didn't have the funds to buy a new furnace and have it installed. Once I began making payments, I noticed the principle balance never decreased. After going over the details of the loan, I also noticed that the majority of the monthly payment, is interest charges on the loan. To date, the balance still remains at above {$10000.00}. I called Greensky and asked them to have the furnace removed and I would find a new one on my own and have it installed. Greensky advised me to call XXXX XXXX, to see if they would be willing to remove the furnace, they refused. Now I am stuck in this payment that is quickly going nowhere. The principle balance and the interest remains the same, after making payments for almost a year now, the same figure remains on the invoice, it does not go down.
12/12/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web
15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Green Sky Loans on this alleged debt. This is sample of my communication towards Green Sky through the Credit Bureaus Please be advised this is my THIRD WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
10/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IN 475XX	Web
i called XXXX XXXX XXXX they stated they have financing, their sales agent took my information to do a credit check, they also applied for my loan while i was on the phone. i was told no payment would be due until after the building was completed, i was working on getting a 40 x 64 workshop from them. weeks later and we never signed a contract, XXXX the salesman i was working with just keep putting off having me sign a contract, I got a email stating there was recent activity on my account, i asked XXXX about it and he stated it was normal procedure, more time passed by and i get a payment due on the loan, still no contract signed at this point. i tried to get XXXX XXXX and green sky to fix this, but they refused. i told XXXX XXXX to cancel everything, they threatened me with a 15 % fee, i countered threatened them with a fraud charge. they notified me everything is canceled. today a few weeks later, i get a email that a payment is due in 5 days, i have contacted greensky that this was a fraud account because no contract was ever signed. green sky did not do anything after the first call to hold the account. i talked to a manager, still refused to file it as fraud, they are going to investigate the signature on the contract. which leads me you file this complaint, the date started was XXXX, the amount removed from the account is {$30000.00}, where is the money, dont know, XXXX last response to me is you call the company, im not your messanger. Green sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.greenskycredit.com XXXX XXXX was called, they sent out XXXX XXXX their sister company to contract XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX
06/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MA 015XX	Web
Greensky was recommended by XXXX XXXX XXXX XXXX XXXXXXXX XXXX to give us financing options for the roof that was required on the property in question. A loan was applied for and approved for {$18000.00}. XXXX XXXX XXXX was hired and quoted {$13000.00} for the job. XXXX XXXX XXXX told us that there was additional work that was needed - taking them from the least expensive to the most expensive vendor for the roof. Total was {$21000.00}. XXXX XXXX XXXX recommended all kinds of additional work to me. I asked for a document ( pictures or a written doc ) for all this extra work on top of the extra work that had already been done, it was not provided. Clean up work that should have been done at the job site was not completed to my satisfaction was not done and I asked on many occasions for that to be remedied and it also was not done. There were signs left for advertising that were committed to be removed- they never were and they blew around the yard eventually hitting parked cars in the driveway. XXXX XXXX XXXX completed the job in XXXX day and then requested the payment from GreenSky. GreenSky paid them {$18000.00}, I never approved the transaction and have informed them and escalated the issue. Neither GreenSky or XXXX XXXX offered any kind of help in resolving this issue. All parties continued to state that the loan was approved to be paid- and it was not. Even after escalating and spending weeks on calls and emails - to no avail. GreenSky continues to purport fraud, this transaction was not approved. The work at the house was never fully completed to my satisfaction and neither party wants to help resolve the issue. Step in and take action to resolve, please.
11/28/2018	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	PA 150XX	Web
This concerns an unsecured personal loan ( disguised as a credit card ) with 10 year term, only for use with XXXX XXXX XXXX or other companies in that business ). The card is with GreenSky, and called a Program Loan Account. The issue I have is with GreenSky, NOT XXXX. At the beginning of the loan term, I made an extra payment. This payment has never been credited to my account. I called within the first year, was asked " how many payments do you show making? ". I replied " fourteen '' The company representative replied " that's how many we show ''. Now in XX/XX/2018, 2.5 years later, I tried again by calling the customer service line, one day during the week of XX/XX/XXXX to XX/XX/XXXX. The representative said she would have someone call me within 48 hours regarding the issue. Finally on Monday XX/XX/XXXX, I received an email, not a phone call, from Customer Solutions. On XX/XX/XXXX, I called the listed phone number, it required an extension. I replied to the email that this information was missing. The representative, XXXX XXXX, gave me her extension, which I called right away. She did not answer, nor return my phone call. I called again this afternoon, spoke to another representative, XXXX. She had no grasp of the issue I had just kept repeating the balance shown on my account, though I explained that my issue is that the statement balance is incorrect. She offered just to send me a transaction history list. The bottom line is, this company shows on their statements that I owe {$100.00} more than I do ( I keep records in XXXX of all payments of principal and interest ). Trying to resolve this is fruitless and their customer service is no help and poorly trained.
06/16/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92377	Web
On XXXX/XXXX/2014 we went to Home depot and purchased granite for our counters. I made payments on this account monthly with no problem no late payments and I was paying this on the home depot website. As a year came around we received a call from the store clerk that they wanted for us to come in so they could give us our money back and cancel the order. I was ok with that because we have been really busy this past year and was not able to get the kitchen rebuilt. When we went to the store XXXX of the customer service attendants put the money we had paid to the loan back on our bank card. then a few weeks later I received a call from this company called green sky. they said I was late on my payment I was n't sure who they were and they explained they were the ones funding the loan for home depot. I said I was not aware of payment due. They then called home depot and returned to me and said every thing was good If I had any questions call home depot. I checked the web site later and there was no balance. I never heard from anyone again. In XXXX I tried to refinance and found that green sky had placed a derogatory statement on my credit reports and stated that I missed payments. they stated that there was a balance due because home depot should have paid them instead of me and they would return to me what was due me. I paid the balance they requested immediately. They said they would remove this from my credit report and they did not. My credit score dropped about XXXX points I did nothing. Home depot was the one that caused this I had nothing to do with it. I tried to talk to green sky but they refuse to do anything.
08/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NM XXXXX	Web
We had a XXXX representative sign us up for a loan to install windows. We were advised by this rep that the loan was 10 year loan at 6.9 % but if we were able to pay off the loan in 5 years then there would be no interest. We were given 3 days to cancel this loan through XXXX. It took 5 days to receive the actual loan documents in the mail from GreenSky. The documents in the loan letter stated it was a fixed rate loan of 6.99 % for ten years. There was no mention of the interest free for 5 years we were promised and the rate was also quoted to us incorrectly. When reading the terms of the loan from GreenSky, their terms stated we would not be charged until we provided our account number to the Merchant/Provider. This was inaccurate as XXXX had already charged us before we got the account number in the mail. XXXX made changes to the initial contract which lead to us choosing not to continue the transaction with them. We never made a purchase with this company but they still billed our GreenSky account. We contacted GreenSky to advise them of the inaccurate information provided and the services not rendered and they stated we needed to pay the amount owed on the account. We believe there are several violations that have occurred with this transaction. We were quoted a wrong interest and promised interest free when this was not the case. Since GreenSky allowed XXXX to represent their loan in this inaccurate manner, GreenSky should be held responsible for allowing the misrepresentation. Since we never received the product, there should be no issue with GreenSky canceling the account.
11/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78240	Web
GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, authorized a loan for an AC Unit and air handler on XX/XX/2020. I disputed the loan amount with the company that installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, however, Greensky canceled the dispute on XX/XX/2020, although I had not received resolution from XXXX XXXX XXXX XXXX. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. I was promised products that have a lifetime warranty ( XXXX ) for both the condensing unit, compressor and air handler/furnace. Was advised of price difference between XXXX/XXXX, but was still charged higher amount although I didn't receive the products that have higher warranties. Condensing unit fins and coils were damaged. Model XXXX XXXX XXXX ton. I requested a new condensing unit with no damage and the company was unable to provide an undamaged unit and did not provide discount for damaged goods installed. My neighbors had a XXXX XXXX XXXX XXXX XXXX ton compressor and air handler/furnace installed for {$7200.00} with a licensed local competitor. Deceptive and abusive sales tactics were used. Here were some of the things said to me, " When we offer 0 % financing we have to pass along the cost to our customers. '' I have filed complaints with the XXXX XXXX XXXX and a price gouging complaint with the Texas Attorney General which are all public record. Attached are the receipts for my purchase and the receipts for my neighbor that show how much they overcharged me on the same size AC System from a local competitor.
10/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23505	Web	Servicemember
On XXXX XX/XX/XXXX, I ordered 3 doors for the amount of {$22000.00} from XXXX XXXX XXXX. No doors have been delivered or installed. I've had multiple concerns. My most recent concern involves XXXX XXXX XXXX ' claim that I consented to enter contracts via electronic signatures. On XXXX XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX sent a consent letter which she claims I had signed on XX/XX/XXXX. But the document is dated XXXX XX/XX/XXXX and it does not have my signature. ( Please see attached document 1 ). XXXX XXXX 's email concludes with a threat that if I cancel the purchase order, I will be liable for {$4000.00} to Greensky from whom a loan has been authorized on my behalf. I advised GreenSky that according to Virginia law 59.1-483b, an agreement to conduct a transaction electronically may not be inferred solely from the fact that a party has used electronic means to register a purchase order and that according to the law, this subsection " may not be varied by agreement ''. Meaning affirmative consent to conduct business electronically may not be omitted. GreenSky responded on XXXX XX/XX/XXXX, asking " what is it that you are wanting from GreenSky, '' and eventually that I " follow up directly with the merchant regarding this matter. '' ( Please see attached document 2. ) CFPB XXXX XXXX XXXX XXXX. XXXX requires GreenSky to " review and analyze complaints ... for the purpose of identifying trends ... and XXXX potentially involved in unauthorized loans and related unauthorized transactions. '' In this instance, GreenSky has violated that order.
04/08/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10304	Web	Servicemember
I took a home improvement loan from Greensky in XXXX of XXXX. The Term of the loan was 90 months @ 234 per month on the 9 of every month, with the loan maturing on XX/XX/XXXX with a final payment of 234.50. I made multiple payments because this is a payment coupon book loan I expected the payments to go the monthly payments because there was no penalty for paying the monthly installments early. Greensky applied the payments to the principal instead of applying them to the monthly payments. I tried to get them to apply the monies to the monthly payments and they refused. I told them I thought in order for monies to be applied to the principal instead of monthly payments I had to specify that I wanted it applied to the principal. I didn't pay them the extra monies they wanted because I told them I already made the payments. They made my account delinquent listed it as a charged-off account on my credit reports, even though I continued to make payments but refused to give them additional payments. The current balance on the account is XXXX meaning that the loan will be paid in full before its maturity of XX/XX/XXXX because I continue to pay the coupon book amount of 234.00 monthly. This is totally unfair what they did they damage my credit and my credit score has declined. I hired a credit repair company to try to get this item removed from my credit report and they were unsuccessful. I would like this negative item removed from my credit report because based on the balance this bill will be paid in full 5 months before its maturity date of XX/XX/XXXX
07/16/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 483XX	Web
Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. Stop charging past due fees for your unfair practices.
09/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32570	Web	Older American, Servicemember
We purchased replacement windows from XXXX ( XXXX, FL ) using their recommended funding source ( GreenSky , LLC ). Our understanding was that we had a line of credit with GreenSky that would enable us to pay 50 percent of payment upfront and 50 percent after window installation. There was no problem with the initial 50 percent payment, but the window delivery/installation was delayed through no fault of our own. When if came for us to pay the remaining 50 percent balance, GreenSky claimed that our original agreement had expired after 60 days. They made us reapply for a loan which they then denied due to a change in our credit rating. We were forced to refinance our loan with a credit union at unfavorable terms. GreenSky failed to warn us when our loan was about to expire. Even if they had warned us, GreenSky would have refused to pay the remaining balance because the work was not complete. What GreenSky is doing amounts to " bait and switch '' fraud. They offer loans for home renovation tasks which they know upfront will take more than 60 days. Then, they force the consumer to refinance the loan at higher rates or they may even deny the loan. If XXXX and GreenSky had been transparent with us on the nature of their joint financing, we would have declined to have the work done. This has been a nightmare for us as XXXXGreenSky were less than helpful in resolving this issue. GreenSky initially denied refinancing, then said that they would honor our original loan terms, and then they again denied us refinancing.
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web	Servicemember
I have attempted to remove this NEGATIVE DEGATAORY ITEM multiple times as a result of IDENTITY THEFT. CREDITOR continues to verify. Attached you file the information on my credit file, additionally, the police report from XXXX that has been submitted MULTIPLE TIMES, Additionally FTC report filed. The account has been removed from XXXX and XXXX, NOT XXXX. GreenSky , LLC On XX/XX/XXXX, the Bureau issued a consent order against GreenSky , LLC ( GreenSky ), a financial technology company that services and facilitates the origination of consumer loans. The Bureau found that GreenSky engaged in origination activity on thousands of loans to consumers who did not request or authorize them and that the company structured its loan origination and servicing program in a manner that enabled the origination of unauthorized loans. This conduct was unfair in violation of the Consumer Financial Protection Act of 2010. The Bureaus order requires GreenSky to refund the accounts or cancel the loans of customers harmed by the conduct up to {$9.00} XXXX, implement enhanced loan authorization and verification procedures to prevent unauthorized loans from being issued in the future, and pay a civil penalty of {$2.00} XXXX. RELATED DOCUMENTS Consent Order Stipulation PRESS RELEASE CFPB Takes Action Against XXXX XXXX GreenSky for Enabling Merchants to Secure Loans for Consumers Without Their Authorization CASE DOCKET View case filings ACTION DETAILS Forum Administrative Proceeding Docket number XXXX Initial filing date XX/XX/XXXX XXXX
05/15/2022	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	WI 530XX	Web
On XX/XX/XXXX I signed a contract with XXXX XXXX to have new windows installed in my house. The original amount for windows and siding was {$25000.00} but I decided to cancel the siding so the new amount was {$12000.00} just for the windows. I made a down payment of {$2500.00} on XX/XX/XXXX and the remaining {$9500.00} was a loan from GreenSky. GreenSky worked with XXXX XXXX so I did not have a choice with the loan company. On XX/XX/XXXX I received an email from GreenSky to set up my account. I would received 12 months, no payments required with interest deferred. My first payment was due XX/XX/XXXX and if I did not pay off the load at that time interest would be added and accrue. I planned to pay the {$9500.00} before XX/XX/XXXX so there would be no charges or interest. On XX/XX/XXXX I received a phone call from XXXX XXXX that the windows would be installed on XX/XX/XXXX. On XX/XX/XXXX I received an email from GreenSky asking if the job had been completed. I was asked to click on either yes or no and I clicked no because it had not started yet and wouldn't be completed until XX/XX/XXXX. On XX/XX/XXXX I was told my windows would not be installed on the XXXX. As of today, XX/XX/XXXX I have still not received my windows. I contacted GreenSky back in XX/XX/XXXX to tell them but they said I still need to pay the loan because I told them the job had been completed, which I had not, and they had already paid {$9500.00} to Windows Select for the windows. This is where things stand as of today, XX/XX/XXXX.
02/20/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95823	Web
On XX/XX/XXXX I submitted a credit rating dispute with XXXX, XXXX XXXX and XXXX concerning the derogatory rating I received from Greensky Financial Bank ( Greensky ). On XX/XX/XXXX, I appeared in the Superior Court of California , County of XXXX Small Claims Court as the defendant in the case of The Home Depot USA Inc. DBA Home Depot Interiors , case number XXXX, because The Home Depot failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XX/XX/XXXX. The contract for the remodel was financed through Greensky. In XX/XX/XXXX, I notified Greensky that I would no longer make payments on the loan until the work was completed as agreed and provided them with a Home Depot Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to Greensky. While in dispute, Greensky charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to Greensky, as well as disputed the rating with the three credit bureaus, XXXX XXXX, XXXX and XXXX. Greensky has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from The Home Depot Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
06/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA XXXXX	Web	Older American
In XX/XX/XXXX, I took out a no-interest financing loan from Green Sky to purchase new blinds for my condo from 3-day blinds. See attached contract. The special financing would end XX/XX/XXXX. The blinds were installed in XX/XX/XXXX. To pay off this loan in a timely manner, I paid XXXX a month. Then, I noticed in my XX/XX/XXXX statement ( see attached statement ) that another charge from XXXX XXXX had been added to my account on XX/XX/XXXX for {$2100.00}. I never authorized this charge at all. From an email document from XXXX XXXX sent to me by a XXXX, there was an account posting to XXXX XXXX XXXX XX/XX/XXXX for {$2100.00}. See attached png photo. I suspect that somehow this got charged to me for some reason. I notified both Green Sky and XXXX XXXX of this account error. All I want is that the {$2100.00} charge placed on my Green sky account be removed Despite the fact that I notified Green Sky and XXXX XXXX of this mistake it has yet to be corrected. There have been all sorts of strange actions taken on my account, leaving me with a negative balance of - {$1200.00} ( see excel file attached ), which makes no sense to me at all. I still owe money on the account from my last XX/XX/XXXX statement to the tune of {$2200.00}. I called Green Sky on XX/XX/XXXX and spoke with the case manager XXXX XXXX on my account who did not seem to understand what I was saying and was unable to resolve the situation. Hence, I am turning to you for assistance. Thank you very much.
06/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX XXXXX	Web	Servicemember
I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas on XX/XX/XXXX. The representative XXXX from XXXX XXXX through pressure selling convinced us to apply for credit in the event we decided to purchase from them. Because of the high pressure selling we left the show. She messaged us late advising us that she could take our financial information over the phone. She messaged us back on XX/XX/XXXX ( Sunday ), to see if we were still interested. She later called us back on XXXX XXXX and stated that since we had gone to XXXXXXXX XXXX which she was a representative, she could take our financial information over the phone. We were approved for XXXX not knowing anything about Greensky. She had told us that the hot tub we were initially looking at would be {$160.00} a month through this lender. She sent documents to be XXXX, but because I had not received financial details I did not complete or sign the documents. She contacted us on XX/XX/XXXX inquiring if we had signed the documents. I explained that I had questions regarding the loan and contract. On XX/XX/XXXX she texted me the number to Greensky. The representative was rude and unprofessional and told me that I would receive documents in the mail. I received the documents today XX/XX/XXXX. I have never signed anything with Greensky, and i now have a loan for {$15000.00} paying {$200.00} for 113 months costing me {$9000.00} over the life of the loan which will total {$24000.00}. The cost APR for credit is 9.99 %.
12/30/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 93536	Web	Older American
Construction Loan Company ( Greensky ) released {$1000.00} to XXXX XXXX XXXX ( contractor ) without costumer 's ( me ) authorization or any work done. As soon as I got the first loan statement, I called the loan company to complain about the unauthorized released funds and to put a stop payment to any other non-authorized sums. Greensky kept sending the statements showing the {$1000.00} balance for several months ; after contractor failed to do any work on my property I cancelled the project or contract. I called the loan company to file a complain ; they reviewed the complain and for several months I did n't hear from them, then three months ago they started sending the statement again. When I called them, they claimed the {$1000.00} was now a cancellation fee! I have spent hours in the phone with them trying to solve the situation, I agreed to make a payment by phone because they threaten to damage my credit report ; they also said that if I paid they would n't charge any interest on the loan ; but now they are also charging interests. So I called them and I said that I was disputing the bill and that I would file a complain with the CFPB. The loan company says I have to deal with the merchant ( contractor ) and try to get the money from them ; but in my cancelled contract it said that it was illegal for the contractor to collect funds for work no yet completed. Greensky released the funds without my authorization for work that was not done.
01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	VA 245XX	Web
On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.
10/25/2019	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 381XX	Web
Greensky services the accounts procurred by XXXX by XXXX of XXXX. Three weeks prior to work scheduled XX/XX/XXXX I tried numerous times to contact XXXX by XXXX by phone and email to reschedule work. The week of XX/XX/XXXX, XXXX by XXXX did not return my calls or emails. I called Greensky , LLC on Saturday, XXXX XXXX, explaining that because of impending XXXX, I had to adjust date. Greensky advised me to continue to try to contact XXXX by XXXX to have them credit me for the invoice for the work which had not yet been done. When I could not reach XXXX by XXXX, Greensky put a block on future payments to XXXX by XXXX. The block was put in place by Greensky supervisor XXXX on XX/XX/XXXX. XXXX by XXXX finally responded after the block was in place and tried to put me through to their credit manager, XXXX, who did not answer or return my calls. The voicemail that I was patched through twice did not identify as XXXX. I called XXXX back at Greensky with this update who said she would give XXXX until Monday, XX/XX/XXXX to cancel transaction. At XXXX, XX/XX/XXXX, the original salesman, XXXX, called me, but would not provide the remedy suggested by Greensky which was to credit me for the invoice for work not performed. Needless to say, I do not have much confidence in XXXX By XXXX which is supported by Greensky. It is also distressing to see that this company has over one million complaints documented here
01/21/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 28043	Web	Servicemember
In 2018 we had a meeting with a sales rep from XXXX by XXXX. We needed replacement windows in the home we had just purchased. When we told the rep how much we could afford he told us we could take out a no interest, no payment for a year loan. We filled out the paperwork and agreed to borrow {$36000.00}. Not long after my husband was laid off from his job and we contacted Greensky and they told us over the phone it was no interest and no payments so we didn't need to worry. It was not until it was to late that we discovered we were actually being charge interest and it was only if we paid of the loan entirely that we would be free of interest. The loan interested ballooned and with the added lose of income due to COVID and my husband being called up for XXXX XXXX with the XXXX XXXX XXXX we have struggled to make any progress on the loan. We have called many times to try and get relief related to both of these issues but Greensky representatives have refused us any relief. Only when we said that we were going to file a report with CFPB did they say they would do an investigation. Now they say they have finished their investigation and they say we still owe {$15000.00} at an interest rate of 24 % that will continue to able to the balance. To date we have paid {$51000.00} total on a loan for {$36000.00} and there is no way we will be able to pay off the remaining balance without more interest applying.
01/15/2018	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33578	Web
GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING. 1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2. 3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2. 2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s ) specified in the Payment Authorization Schedule.
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 342XX	Web	Older American
I was approached by a Home Depot representative in Home Depot.He offered me a special on AC cleaning for {$19.00}. My AC is 20 years old and I had to give up my AC service because of financial reasons so I accepted. The AC man came to clean the AC unit which I knew was in bad shape, he offered me a deal with NO INTEREST.Know I needed to replace the unit I accepted an appointment from a XXXX XXXX XXXX company who was working in conjunction with Home Depot. The unit was installed and inspected ... On XX/XX/XXXX I recieved a statement from GreenSky financing company who is the company XXXX XXXX had set up the financing with. There was a {$43.00} interest payment. I called XXXX and they said yes it was interest free but that was an " agragate '' payment which would be 1 % of the balance each month. That is more than interest would have been. When the salesmen was here and we were discussing the units, size and cost I made it clear I could not afford more than {$150.00} a month this added " agragate '' makes it almost 200.. I am XXXX on fixed income, my daughter had a XXXX XXXX with no insurance at the same time the economy tanked so I have no resources. This is a scam set up between Home Depot, XXXX XXXX and Green Sky. I told them to fix the contract or come and get their equipment. I have not heard from any one so far. I would appreciate any help you can give me with this problem
01/19/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 337XX	Web	Older American
after paying XXXX payments of XXXX the minimum amount requested by Green Sky on an interest free loan 24 installment loan. Green Sky decided to amortization the loan 5 days shy of 6 payment date XX/XX/XXXX ; 6 payment due XX/XX/XXXX there for changing the structured by contracted monthly payment amount. Gren Sky requested 6th payment on XX/XX/XXXX I made payment on XX/XX/XXXX. The company choose not to wait for 6th payment but sent out billing on XX/XX/XXXX. The did not put on XXXX bill proper amount paid of XXXX payment. Contact Green sky on 3 occasion trying to resolve matter. I was told each time a different story as to why increase XXXX to XXXX. On XX/XX/XXXX i was told by supervisor the account was amortized on XX/XX/XXXX. while on 3 way call with sister and green sky my sister questioned why on XX/XX/XXXX instead of XX/XX/XXXX after 6hth and also why is their amortization on a fixed interest free loan and why is the payment which is a 2 year interest free loan being changed when 24 month of XXXX to a higher amount XXXX which would them cause me to over pay the loan and their response was we would issue a refund after the loan was fully paid. Is it legal to amortization of a interest free loan? Is it legal to change to the condition of a loan? Is it legal to amortization after 6 months but before 6 months billing occurs? Is it legal to take advantage of senior citizens?
03/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 062XX	Web	Servicemember
GreenSky Finance Company is knowingly trying to collect on a loan that is the result of identity theft committed against me. My wife applied for a home improvement loan and was turned down. Her maiden name is XXXX or the same last name used when my good credit and Social Security number was used for obtain a loan fraudulently. I don't know the specifics but what is absolutely 100 % true is that a loan was done with my social security number without my permission and without my knowledge. Due to the fact that my name or XXXX XXXX is unusual either the finance company or the sales person used my wife 's maiden name so that the identity theft would not become apparent to myself or others for as long as possible or never at all. I've enclosed the letter that was sent to me after the finance company was given my a police report and information about how 4 counts of identity theft was committed against me in the last 2 years ( as I proved to them ). I told them that threatening to ruin my credit if I didn't pay an identity theft loan was legal extortion or putting a XXXX to my head and making me pay on an identity theft loan earlier today or on XXXX, there response was to text me and threaten to ruin my credit!! They used information I gave to them about how my financial future depends on good credit and about having a family to feed and XXXX wife and they used it against me!!!!
10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48910	Web
GreenSky , LLC. dismissed all my complaints and closed them without fully investigating the situation. A representative that I've never even spoken with before, closed my cases and claimed GreenSky did an " investigation '' on my overcharged account closed my claims, while my actual caseworker has been out of town for a week, never fully investigating my case. The representative that closed my case said I I was notified of a price increase by XXXX XXXX, and I most certainly had no idea. I have medical proof from my PCP that was faxed to my caseworker yesterday, so GreenSky did not do a full investigation. My caseworker said she would call me Monday, when she returned to the office to further investigate my case, but some other representative closed my cases without knowing the full scope of the situation. I have medical proof that I was unable and not able to come in for XXXX XXXX. There is fraud happening with GreenSky and XXXX. I'm XXXX and live off a XXXX check. The manager of XXXX was very deceptive about the pricing. She did tell me the 50 % off treatments applied to any treatments I got but it's news to me that there was a price increase. If they tried to tell me they didn't do a good job because I had no clue. Why would a person who lives off of XXXX sign up for a $ XXXX contract without being lied to about the price? I can hardly afford my bills as it is. Thieves.
03/28/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30318	Web	Older American
My complaint is Greensky llc, the company the CFPB issued a consent order against.A failed waterproofing job by XXXX is my connection to Greensky. Installation XXXX, their work and eguipment failed ( sump pump ) XXXX weeks later someone came out, rep could not diagnose problem spent more time on phone with manager than speaking with me and my wife, never heard from again, I stopped making payments, when XXXX stopped working {$1500.00} so far. I never contacted XXXX again, I informed Greensky of situation I assumed they contacted contractor and they made a surprise service call after XXXX weeks, I did not allow them in because all faith loss in XXXX XXXX employees quit during my job including the initial rep that wrote the work order job knowing he had a new job or at least had applied, in a month he had quit company before my installation.Quoting from a class action law suit " Greensky is a rent a bank scheme giving the actual lending power to the contractor ", quoting " never take a loan with them they let the 3rd party business keep the money and you get your credit decimated, the 3rd party keeps the money for doing nothing ''. This is what I just experienced Greensky letting XXXX keep the money in my case for making situation worse. {$3000.00} spent on replacement supplies ( Sheetrock, molding, paint, insulation, labor etc. ) I do not not want my credit decimated.
04/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76063	Web	Servicemember
I placed an order with XXXX XXXX XXXX in XX/XX/XXXX for plantation shutters that were supposed to deliver and install on XX/XX/XXXX. XXXX XXXX installer came in XX/XX/XXXX to install the shutters half way through the installation I noticed they were they wrong color and they were damaged so I stopped the install. As of today XX/XX/XXXX, I have requested XXXX XXXX XXXX to pick up their shutters as I no longer want to do business with them as no one has returned my calls in a over a week and it is now XXXX and my issue has not been resolved. I filed a dispute with Greensky regarding payment and not receiving the correct product which was damaged and not installed. Greensky said that they are closing my case as they had an email from XXXX XXXX XXXX stating that they would make good on my purchase which has not happened. As of today XX/XX/XXXX, XXXX XXXX XXXX has not returned my calls or emails in over a week. I told Greensky I would reopen my case as XXXX XXXX XXXX has not responded to me. I was told " NO I am not '' When speaking with Greensky they were rude and did not care that I had not received my product and are holding me accountable for this loan. I had never spoken to Greensky about my loan until I filed a complaint. They never confirmed anything with me. I feel this company is strong arming me into paying them for product they know I have not received.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48038	Web	Servicemember
Recently I contacted Greensky/XXXX XXXX/XXXX XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. Representatives indicated that the reasons to close this account, 1 ) purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.
09/15/2018	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 454XX	Web
Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.
05/29/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92551	Web
Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.
11/03/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MN 55016	Web
On XX/XX/XXXX, We had XXXX XXXX and heating out to check our furnace. He found that we needed a new hot water heater, and we went ahead and also had him install a new water softener. He told us we could apply online for financing thru Greensky. I typed in the exact amount of XXXX needed for financing. We were approved. Just got the paperwork from Greensky today, It states that they had approved us for a line of credit up to {$12000.00}! .We NEVER gave our approval for them to open a line of credit to us, we were NEVER told by XXXX that this was a common practice by Greensky . I called Greensky to ask what was going on and they would NOT give me ANY info on the account as it is in my husbands name only, and my husband is out of town. I was concerned that a payment may be due and can not access the account online, which she wouldn't help me with either. Our concern is that with this unauthorized line of credit, our credit will suffer. We have impecible credit scores and want to keep them that way. I have just read on CFPB in XXXX, XXXX, Greensky has been practicing this unlawful act of securing unauthourized lines of credit and actions have been enforced upon them to STOP, but we can assure you, that they are still unlawfully practicing the same way as I have the paperwork to prove it! We feel that XXXX holds responsibility in this also.
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 773XX	Web
This is a formal complaint against Green Sky LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, Green Sky XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
03/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 535XX	Web
The building I financed through Greensky was never completed by the contractor. I filed a complaint on XX/XX/XXXX, case number XXXX through Greensky to get the building finished before we would begin payments. This drug on through XX/XX/XXXX, with me providing to Greensky, and estimate of the cost to finish the building since the contractor wouldn't do it. I also filed a complaint against the company XXXX XXXX, XXXX XXXX XXXX, XXXX, Ar XXXX, phone XXXX through the XXXX Attourney Generals office, complaint # XXXX trying to either get the company to finish the job, or deduct the price of the unfinished building costs from the loan costs. XXXX XXXX stated to the Attourney Generals Office on XX/XX/XXXX that they would come and finish the job. I have had no further contact since then. I do not feel Greensky should be charging me now, when they held off throughout the complaint process on charging principal or interest until this was resolved. Then without notice of the problem being resolved, they sent me a monthly payment due notice dated XX/XX/XXXX. I feel this problem of an unfulfilled contract and unfinished building needs to be resolved before payments begin. When I called the Greensky to let them know I would not be making payments until the building was complete, their response was " we will ruin your credit :.
05/14/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	FL 33618	Web
I think it was back in XX/XX/2018 I went to a weight loss center. They said I could finance my program through Green Sky. They used this little tablet to pull everything up and only showed me bits and pieces of the loan that required my signature. Never told me the details of the loan. Ended up being a {$3000.00} line of credit but they didn't tell me that the {$3000.00} needed to be paid off in a short period of time or else there would be another {$3000.00} added to it in interest charges. Plus this company Green Sky is always tacking on some kind of fees. The Actual Lending company says it is XXXX XXXX, a Mississippi banking Corporation. Problem is I can't pay what they are asking me to pay. My XXXX yr old mother co-signed this and neither one of us realized what it was until it was too late.. Can you please help me with this? I take care of my mother ( she lives with me ) and I feel like this Weight Loss center duped me into signing something without giving all the details. It is their fault as well. Green Sky says they can't do anything to change the loan agreement and is sending me past due letters and calls. A copy of the contract is attached however when I signed this, it was on a small tablet screen and only showed where to sign not the details. That is why I feel like I was duped into this. Please help.
10/27/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CA 902XX	Web	Older American
1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit. 3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft. 4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report. 5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error. 6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened. 7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies. 8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.
10/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48910	Web
GreenSky , LLC is the worst company besides XXXX XXXX, who uses them. I have called and emailed GreenSky and XXXX numerous times and marked as urgent and they ignore me. They say I owe XXXX of dollars in debt and my stress level has gone through the roof. Their customer service is unsympathetic, barely qualified, and ignorant. They made a {$200.00} service turn into a XXXX debt out of nowhere. They said they needed a HIPPA form that they sent to me returned by email and they sent me a form I couldn't even electronically sign. I asked at least 7 times if I could get a docu-sign form but they kept making excuses. They couldn't even open my file in PDF even though they sent it to me in PDF format. I used XXXX Fill and Sign and GreenSky claimed they " couldn't open it ''. My husband tested it and it worked for him. They are outright liars and thieves who steal from people who live off a XXXX check, like myself. Nothing is adding up and I am sick. They already made me pay {$1000.00} for {$200.00} worth of treatments and no matter how much I called XXXX or GreenSky, they threatened that I had to pay, anyway. Fraudulent evil corporation. I attached files that make no sense from GreenSky, and XXXX XXXXXXXX XXXX District Manager won't return my messages. They will not get away with fraud.
12/06/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NY 11413	Web	Older American
XXXX by XXXX SCAM! On XXXX XXXX, we signed a contract to install a bay window at the property address. Despite the excessively high price of {$11000.00}, we signed the contract and entered into a finance agreement with Greensky , LLC. The installation date was scheduled for XX/XX/2022 which was 4 months after the initial contract was signed. This was an excessively long wait for the window. Temperatures in XXXX are always well above XXXX degrees which allows seals and caulking to cure properly and for the window to be properly installed. On XXXX XXXX, the wrong window size was delivered to the home because the initial Renewal by XXXX representative took the wrong measurements of the window site. The inconvenience was addressed by XXXX with a discount as of XXXX XXXX in the amount of {$500.00} reduced from the initial price. The second installation date was scheduled for XX/XX/2022. When the window was delivered, it was AGAIN THE WRONG SIZE. The window was mis-measured TWICE by XXXX by XXXX staff XXXX The window was NEVER INSTALLED. Yet, I received a bill for {$7800.00}! This is a scam! They are taking advantage of an XXXX year old woman. This is disgraceful. The only resolution is to zero the balance of the Greensky account and apologize for wasting my time.
09/16/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 484XX	Web
In XX/XX/XXXX we contracted XXXX XXXX to install a new Heating and Cooling system. We agreed. They indicated they used GreenSky and XXXX XXXX XXXX to extend the 18 month 0 interest loans through. I have excellent credit so I was not concerned. I put a substantial amount down on the loan to ensure that I would pay it off in the 18 months. They initiated the loan on XX/XX/XXXX. I made the first payment on XX/XX/XXXX through an electronic payment. They did not credit the account - I had bank contact them. They finally acknowledged payment. My payoff on the account is higher by half of the {$390.00}. payment than what it should be if you call in. The statement for the payment made electronically on XXXX is not showing today on XXXX. I have not received any statements for the XX/XX/XXXX Payment. There is a download button which does not work on their website so there is NO WAY TO ACCURATELY DOCUMENT WHAT THEY ARE DOING or WHAT THEY ARE CHARGING. They repeatedly tell me that if it is paid off before XX/XX/XXXX I will not incur any interest but I have very little faith when they do not even provide statements or a method to download the statements. And they are unable to update their online account with payments and statements to reflect what is paid and how it is applied.
08/30/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AZ 85730	Web
In XXXX of 2020, I received an email stating my automatic payment did not go through and it was due that day. So I got online and made a manual payment. A few days later, I noticed it was taken out of my bank twice and paid twice to the company. I reached out by email and due to the pandemic, I needed to call but there were horrendous long waits. In may I did an online dispute with my bank and they agreed with me and refunded my money. In the mean time my loan was considered late as this payment was removed from there system. I called and reached out to them and even spoke with a supervisor. I finally got a case number and asked them to reach out to my cell phone. No one has called except for collections. I finally got an email and wrote back to the lady with no response. I got a collection letter stating they were going to turn me over to a collection agency. I printed out all my documentation ( 20 pages or so ) and sent to the attorneys office listed on the letter. I sent it certified return receipt. No response. I finally wrote the lady again with my case number and to the service department and waited a week with no response. I'm still getting collection calls on my home phone! I have since been charged every month with a different late fee. Please help me!
07/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN XXXXX	Web	Older American, Servicemember
I received billing statement from GreenSky yesterday XX/XX/2018, and realized there must have been some misunderstanding between your company and the contract made by XXXX XXXX XXXX, Waterproofing business. Also, I believe this company has been misinformed by Mr. XXXX XXXX, the sales person/inspector of Waterproofing company, XXXX XXXX, XXXX. Mr. XXXX came to my home XX/XX/XXXX, and offered me of a financing opportunities while he was explaining about the contract for waterproofing he wanted me to sign its contract with his company. Mr. XXXX told me that the contract with his company and financing payment would be in effect on the date XXXX XXXX companies complete their work. The bill that I received XX/XX/XXXX shown as if I purchased {$3400.00} XX/XX/2018 from XXXX XXXX, and charged activation fee of {$39.00} XX/XX/XXXX, and Finance charge of {$15.00} XX/XX/2018, which totaling {$3500.00}, and due date is XX/XX/2018. The interest dare shows 6.99 %, and daily Percentage Rate is 0.01915 %. The also bill shows phone number XXXX and email address XXXX. However, I can not reach GreenSky either ways. The company 's payment address is GreenSky XXXX XXXX XXXX NC XXXX. My husband is XXXX, and I am his full power of attorney, and so all contact must be made through me.
03/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90041	Web
On XX/XX/XXXX I was approved an installment loan from GREENSKY credit for {$5000.00} to have dental work done. I received an official letter of approval from them dated XX/XX/XXXX. A few weeks later I received a ten page loan agreement which gave me the payment amount each month but did not give a due date. I contacted Greensky and was told by a representative that I would receive an official bill in the mail giving me the due date. I never received that first bill. my next correspondence for them was a phone call in the third week of XX/XX/XXXX telling me that I was eight days behind on my bill due on the XX/XX/XXXX of each month. I explained to the representative on the phone that I never received a first bill and had no idea when I was to begin payments. I thought we had worked out a solution by changing the due forward to the XX/XX/XXXX of each month. I now get phone calls constantly telling me I am behind. they make explain their mistake over and over again, telling me they will adjust my billing cycle. The last call was today on XX/XX/XXXX, I asked to speak to a supervisor and she said that she had no control over the mail and am a payment behind and there was nothing she could do. I am being deceived and harassed. please help. Thank you, XXXX XXXX
08/31/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CT 06320	Web
on XX/XX/2021 XXXX XXXX XXXX of XXXX, CT came to my home to fix a clogged basement drain They stated that the problem was a collasped sewer line and the bill would be between XXXX and XXXX but the price soared to XXXX most because of unnessary work. I was never given a oppurtunity to get a another estimate, for as XXXX was telling me thwe problem as the electric company arrived to draw the dig lines. I was advised that XXXX XXXX XXXX would apply for credit for me. On XX/XX/2021 I was confronted by the tech on the job that I needed to handle the bill I advised him that XXXX was suppose to handle it. He did not move his vehicle so I could go to work. On XXXX XXXX after the work was completed the same tech called me at XXXX to say he was outside and would stay til I dealt with the final payment. he came in and called Greensky of XXXX GA and opened an account for 28.99 % XX/XX/2021 I received a letter from XXXX XXXX XXXX. I had no idea about this account or what is charged on it As of this time I have neither seen a bill or any account what so ever from XXXX XXXX plumbing. I have no idea how many accounts have been opened by XXXX XXXX plumbing. I believe that XXXX XXXX XXXX engaged with both XXXX and GreenSky in a scheme of predator lending.
02/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33772	Web	Older American, Servicemember
I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.
04/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96797	Web	Older American
. One day XXXX XXXX came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job. One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated XXXX XXXX , XXXX telling them that the job was not done. So I called again and one of the rep. that I talked to by the initial of XXXX . on XXXX said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.
07/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 774XX	Web
I completed a loan with GreenSky to add solar panels to my home. The vendor, Texas XXXX XXXX, told me that the solar panels would cut my electrical cost a the lest in half and in some months I would receive no bill. The owner of the company was my sales person, XXXX XXXX XXXX. I have the emails back and forth showing he was making by payments for the first 3 months due to this problem. The panels are still now working and he will not return my calls, emails, or text. I spoke with him using a different cell phone number and he promised to send someone to fix the problem. Once this did not happen I stopped paying the GreenSky bill due to finically not being able to do so. I reported the problem with the vendor to greensky and have been told this case is closed that they will not look into this any longer. I was told that the vendor assured them all was in working order and I assured them it was not working as I was told they were. The only calls I have received from GreenSky is debt collectors threating me about paying my bills and not attempted to help another possible victim of Texas XXXX XXXX or XXXX XXXX XXXX. The amount of my loan was {$25000.00}. This was based on a payment I would be able to afford and system that could perform.
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20878	Web
I paid off Greensky loan balance of {$860.00} on XX/XX/2022. They received their funds and confirmed this by mailing a XXXX balance statement to me. However, they are refusing to update my credit report with this information. Instead they chose not to provide payment status since XXXX. I have reached out to them, they response was thar it will be done but it hasnt. I filed multiple disputes with all 3 credit bureaus, to my surprise XXXX and XXXX XXXX claimed to have investigated, and came back to report that the account balance is correct, and that I still owe them. I even uploaded Greensky XX/XX/2022 statement showing XXXX balance. I have also call them about their investigation results, and still got no where with this. Greensky is engaging in predatory lending practices. How are they allowed to take peoples money and then choose not to report accurate information? If I was owning them and not paying my bills, they would be swift to report and credit bureaus will be quick to update my report. This time is different, I paid them off and they are choosing to not provide accurate information. Arent they all violating FCRA? I can only imagine how many others that are going through the same thing. This needs to be fixed asap. Thanks
10/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48910	Web
GreenSky, a payment collections company, are trying to swindle $ XXXX out of me by means of XXXX XXXX XXXX XXXX XXXX a company I only received 4 laser hair treatments from, that I signed up for during their half off sale. I should have only paid {$200.00} all together, but GreenSky continues to harass me with bills. In total, they would be taking {$3500.00} from me for 4 half off laser hair treatments. I filed a dispute with GreenSky the first week of XXXX yet no one has got back to me. I also complained to the Director of XXXX XXXX and she told me she had nothing to do with GreenSky. I have complained to both XXXX and GreenSky that I became XXXX and was no longer able to come to treatments, and also, that they did not work. I have been battling both these companies for almost a year and a half. I paid what I owed, which was {$200.00} but they kept charging me {$75.00} per month so I have altogether paid GreenSky {$1000.00} and they are trying to collect {$1900.00}. I live off a XXXX check but all they want is money. Both XXXX and GreenSky are thieves. Even the director of XXXX " didn't understand '' why my balance was so outrageous but told me she is hands off when it comes to GreenSky, the company that takes XXXX 's payments.
07/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 80207	Web
This company engaged in predatory practices regarding my loan. I was told that my loan was for 0 % interest for the life of the loan. It states that in the loan agreement and doesn't state any other interest rate anywhere within the agreement. If you read very carefully, they state that another unknown, unmentioned interest rate will be applied after 6 months. I understand that 0 % interest loans typically have a payment plan in which they will charge back interest on the loan, but this loan didn't mention the amount of interest and was intentionally vague. In my view, I'm not a lawyer, so I am not certain what the law requires for a loan agreement, what must be disclosed or not disclosed, but I feel that this company is intentionally obfuscating this information in a predatory way. Additionally, speaking to a representative, I was told that the interest rate would remain 0 % for the life of the loan just as the agreement said. I specifically asked the representative if the interest rate ever increased after any period and she assured me that it didn't. I will pay the loan before the date that is required, but if this illegal as it should be, I'd like this company to no longer be able to continue this predatory practice.
05/25/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30080	Web
We purchased a credit line from a home services provider in the summer of XX/XX/XXXX. We've been paying a monthly payment on the loan for almost 1-year. On the morning of Friday, XX/XX/XXXX, I received a phone call from GreenSky Credit & I immediately knew it was time to make a payment on the account. I thanked them for the reminder and made a note to pay it when I went to the office. 1-hour later I received a " payment confirmation '' that a payment for {$180.00} was made on my behalf, without my authorization or submission of any kind. I immediately went to their website and cancelled the payment. I called them directly & they claimed that bc I cancelled the payment they could not tell what had been done on their end. I informed them that none of that mattered that it was illegal for them AS AN ORGANIZATION to authorize a payment on anyones behalf w/o authorization. If the phone call was recorded then they will know that no one authorized a payment. I went ahead and filed complaints w/ the BBB & CFPB. I have both emails as proof that an unauthorized payment was made & then I cancelled it. I went ahead and paid the account in full because I NEVER want to do business w/ a company who steals from it's own customers.
07/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77521	Web	Servicemember
I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.
09/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 782XX	Web	Older American
A loan company called GreenSky has been harassing me and my husband for payment on a loan we never applied for. My sister was the loan applicant. We agreed over the phone to be co-signers, but never signed anything and did not receive any documents describing payment terms. GreenSky says they do not have any paper copies of anything, only computer records. They told us they could not change their records to correct the wrong information. They also told us that the loan was denied to my sister, but they have been cashing her loan payment checks in addition to harassing us for payment. One person at GreenSky told us that the only way we could stop the harassment was to " pay off the loan and apply for another one under the correct name. '' Lately we have been getting two dunning calls every day from a number with no caller ID. My sister is also getting calls every day from this number. We blocked the number but she has answered it and says they are very rude to her, despite the fact that she is current on all of her loan payments. We have been trying to resolve this for two years. Two complaints to the XXXX have yielded no result, as they simply refer the complaint back to GreenSky, and GreenSky ignores it.
06/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48220	Web	Older American, Servicemember
In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!
08/10/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NC 275XX	Web
Back in XXXX I went to XXXX XXXX to get XXXX XXXX XXXX treatment. XXXX XXXX is partnering with Greensky offered me a loan of {$930.00}, stating that treatment will remove all visible XXXX XXXX on my XXXX. They charged the payment card BEFORE providing any treatments. After 3 session of treatments I did not see any results and made complaint to Greensky XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX, raising my concerns. None of them were willing to cooperate. I went to another provider, who actually was able to provide a treatment that worked, and as the result incurred additional expenses. Greensky stated in writing the following : If you are dissatisfied with the goods or services that you have purchased with your payment card, and you have tried in good faith to correct the problem with the merchandise, you may have right not to pay the remaining amount due on the purchase. I have contacted Greensky back in XXXX and XXXX, stating that indeed I am not satisfied with the purchase and I tried in good faith to resolve this with the provider, I want my money to be refunded. Greensky is not fulfilling their contractual obligations and loan agreement. Please see attached complaint to XXXX
09/18/2017	No	Mortgage Other type of mortgage	Trouble during payment process	OH 43214	Web	Older American
I signed with a company in XXXX, Ohio to fix my roof. They Signed with Greensky Trade Credit in XXXX, GA for a 12 month same as cash loan. Greensky never billed me until XX/XX/XXXX which was after my daughter and son both called on separate occasions to get a bill. They charged me two late fees of {$39.00} each for XX/XX/XXXX and XX/XX/XXXX. I never knew about a bill and was waiting on it to pay. My son spoke to their representative about the bill and why we had not received one and they waived one late fee. They never mentioned the first late fee and we were not made aware of it until after paying the loan off. My son called on XX/XX/XXXX to try to get the money refunded and spoke to XXXX who made no sense and stated their records show that bills were mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That was never told to us either until we called asking for a refund. XXXX would not authorize the refund nor would he allow my son to speak with his boss. He only said their information is public and my son was welcome to look it up. He said this is " Only {$39.00} '' but I am XXXX years old and this is just wrong. They never billed me and I believe he is lying about the billing.
09/14/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	NV 89122	Web	Older American, Servicemember
Have a credit card balance with GREENSKY and have paid all payments, ( a total of 41 or 42 now ) but in XXXX they said I did not pay. Twice I printed out the transaction pages from an electronic payment transfer service offered by my credit union XXXX XXXX XXXX XXXX. I also sent an Email to the XXXX XXXX XXXX XXXX explaining I paid but GREENSKY is saying no. ( At this point I thought I have fullfilled the requirements of CFB 12 SUBPART A SECTION 1005.1 TO 1005.20, as well as Regulation k and Regulation E. GREENSKY JUST WANTS PAID, in fact before the last letter I paid the usual {$200.00} I have paid on all previous payments. The amount billed monthly is {$65.00},- there when I paid {$200.00} in XXXX HAD I NOT PAID IN XXXX I would have been current,- but after that said payment they billed {$200.00} that included late charges etc., which is XXXX XXXX, because I paid before letter. I'm ahead on my payment schedule. Greensky has offered no rebuttal to my two letters, printouts of accounts, the XXXX XXXX XXXX XXXX HAS NOT REPLIED OR CONTACTED ME. Now Greensky wants me to just pay using their patient solution, so IF YOU NEED PROOF THEY DON'T CARE ABOUT RULES AND REGULATIONS THERE IT IS!
10/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 346XX	Web	Older American
I took over my son 's loan for home improvement with Greensky two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. On XX/XX/2019, I called today to change my payment source and they refused to let me, because, although the automatic system recognized my phone number, and Social Security number, and I was able to tell the person my son 's name and his previous address, I do not know his current address. I asked for a manager and spoke to XXXX and he told me the same thing, although I knew everything but my son 's new address, and no matter that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize that I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life. Please go on XXXX and see how many more people have complaints like mine. I would like to know how this loan company is allowed to continue in business.
02/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33598	Web
Hello, I would like to file a complaint against Green Sky for improper credit reporting on my credit report. I had a loan with Green sky starting in XXXX of XXXX for XXXX XXXX for an alarm system. We returned all of the equipment in XXXX and they released us from the contract and advised that we owed XXXX balance on XX/XX/XXXX. XXXX sent over the information to Green Sky in XXXX of XXXX that we owed nothing. In the meantime Green sky has reported me late for XX/XX/XXXX and XX/XX/XXXX fraudulently. The problem is no one will change the date to XX/XX/XXXX and correct my credit. I sent a formal dispute on XX/XX/XXXX to Green Sky with a letter and all of the documentation to settle and correct my credit report, to date I have not received any response. I have spoken to them several times and no one will fix this problem. I am very upset that I have a 30 and a 60 day late on my credit report and I was not Late and didnt owe them any money. They removed the 2 late payments amounts and told me I didnt owe them a penny. I need your help in getting this corrected and can send all of the documentation I sent to them as well. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
10/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 35242	Web
This complaint involves XXXX XXXX and their lender greensky. When applying for the 12 month no interest Greensky included a form authorizing payment in full to XXXX which initially seems like a reasonable form yet there is nothing in my contract that states that XXXX is paid in ADVANCE months ( 3-6 ) months prior to the windows actually being installed. when I called the representative with XXXX he unapologetic and even made reference to the form provided in the loan agreement with Greensky. This is deceptive and unfair to the consumer and should not be included in a loan application. secondly, this turns a twelve month no interest loan into a 6 month no interest loan. Realizing that the average consumer isnt going to start paying on a loan prior to work being completed. I respectfully request an inquiry into XXXX XXXX and Greensky. Im certain theyre many consumer that are hit with 24 % interest from the inception of the loan due to this deceptive practice. It also leaves the consumer no way to even insure the work is done satisfactory when they have been paid in full months prior to work even being started. I have also contacted my State Attorney General with a complaint.
02/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 109XX	Web
My problem is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Having placed an order onXX/XX/XXXX {$4200.00}, it was stated that there was a 3 business day cancellation policy. On theXX/XX/XXXX ( XXXX XXXX ) I mailed a letter of cancellation to the above address, as directed in their instructions, called XXXX XXXX ( the salesman ) and the local office ( XXXX ). At the end of XX/XX/XXXXI received a call about installation. Again I called the local office asking why they were calling me. I was told that they would check into the problem. Well in XX/XX/XXXX I received a bill from Green Sky, a loan program. Called them ( XXXX ) and was told that only XXXX XXXX could cancel the loan. Again, I called the local office. Then I received another call from their installers. Again I called the local number and was told that I would have to speak to the salesman. I called XXXX XXXX early in XX/XX/XXXXand he apologized for the delay and said he would take care of it. That was earlyXX/XX/XXXX. Well here it isXX/XX/XXXX, and I just received another bill from Green Sky. Please advise how I should proceed, and warn off other consumers.
07/31/2022	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 15108	Web	Older American
I have XXXX separate loans with Green Sky due to the contractor delays. These are separate accounts with different passwords and sign ins. On XX/XX/2022 I paid one account and on XX/XX/XXXX I paid the other account. After about one week I received a call that the one account was past due. I called to the company and explained that I did pay both accounts and that they applied both payments to only one account. The person argued with me that they did not do that. I asked the person to check the other account and she then reported that both payments had been applied to one account. I ask that one payment be transferred to the other account and expressed concern that this has happened before which she denied. After some heated discussion she agreed to transfer the amount to the other account. The last time this happened I had to contact them several time to have the late fee removed as it was their fault that the payment was not applied correctly. This affects my balance as they apply a second interest charge to the account they say was past due. Now I have receive a letter dated XX/XX/2022 that the account IN question is still past due. I need some help.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web	Servicemember
On XX/XX/XXXX, I paid off my entire balance with Green Sky. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with XXXX and uploaded bank statements showing the account was paid, Green Sky statements showing a XXXX balance and a letter from Green Sky stating the balance is XXXX and closed in XX/XX/XXXX. All 4 disputes have come back stating Green Sky is confirming the balance of XXXX as valid and past due. I have spoken with Green Sky every time and they confirmed they report the true correct balance of XXXX and last did so in XXXX. I have talked to XXXX 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. XXXX has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
02/07/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MI 49085	Web
My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. This looks like predatory lending to me. Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.
02/03/2020	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	TX 77063	Web
Home Depot project loan card says permanent card will arrive between 3-5 business days. When I started to call the customer service number for a tracking number or any updates after the 6th business day ( XX/XX/XXXX ) I was told there was no way to track. I called every day to try to see if I should be worried the new card was so late. They said 10-15 business days was normal now. Finally 2 and a half weeks later ( XX/XX/XXXX ) I was given a tracking number that said the card was returned and signed by someone at their offices on XX/XX/XXXX. They said in the meantime while they print a new card I can use my temporary shopping card printed in store. When I went to the store, the printed copy was unable to be used as the new bar code was not there. Consistently, the credit serving company lied to me on the phone about not being able to track the card, shipping times, and daily temporary card limits and usage. This has been the most frustrating process and I feel completely abused by this company. My renovation is behind and I missed sales on products and even the availability of products. I would not recommend this project loan to my worst enemy.
05/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	LA XXXXX	Web	Older American
XXXX XXXX XXXX stated we only applied for pre-approval of said loan. I did not see any loan papers ( contracts ) from GreenSky stating number of payments, size of payments, length of term, interest rates, options for down payments. ( XXXX ) There was a paper flashed in my face with Greensky lenders header at top, which showed 4 % interest under $ XXXX and 7 % Interest over $ XXXX dollars. There was total deception, of true interest rates. We informed Dentist we had to get a badly needed head-to-toe physical for wife and prior arrangements/appointments to get done. Dentist office stated they would stand by and wait for our call. Dentist pulled {$32000.00} in my name same day as consultation. XXXX. claimed had built all my wifes dentures and retained $ XXXX. XXXX. refused to accept a {$5900.00} check, give us all the records/dentures and refused to restore GreenSky lenders. Even though a full line item- itemized sheet showed {$5900.00} was all current charges. It appears dentist office held/holds $ XXXX, but did not build dentures and had only performed the 3 simple procedures witnessed in office on day of consultation of $ XXXX {$300.00}
09/17/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	UT 84088	Web
I was approved in XX/XX/XXXX for a interest free loan up to 12 months, but when I received my first statement ( XX/XX/XXXX ) it shows that my balance is the original loan amount PLUS the interest amount, and the monthly payment that is due is equal to the interest amount. The statement does state that if I pay the loan off by XX/XX/XXXX, then I will only owe the original amount without interest but the statement itself clearly shows that my total balance is the original approved loan amount PLUS the interest amount. To add to the confusion ... I made a payment which was greater than the interest amount but when I look at my account on line it only reflects a reduction on my account of the interest amount vs. the full amount of what the payment was made for. So the balance on my account is not reflecting the true balance. When I spoke with a customer service representative, she stated that everything is noted correctly. This company has a very deceiving mindset and they should correct the consumer statements and reporting practices. As this is very confusing to the customer and does not show a true representation of what the customer owes.
06/25/2018	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WY 82601	Web
On XX/XX/2017, XXXX XXXX XXXX offered financing through Green Sky. I filled out the credit application on their tablet. In less than 22 hours, " XXXX '' was connected to my gmail account IP XXXX and a new device was signed on from XXXX XXXX, XXXX IP XXXX. Then two remote account were added to my XXXX XXXX checking account " XXXX '' connected to a XXXX XXXX XXXX account and " XXXX '' connected to a XXXX XXXX XXXX account, that were not mine. From XX/XX/XXXX-XX/XX/XXXX there were 33 unauthorized transactions from my savings, checking, and two attached accounts that belonged to my father and daughter. Thousands of dollars were stolen out of my account and moved into the XXXX XXXX XXXX and XXXX XXXX XXXX accounts. They logged into the Green Sky account, which is where I believe this hacker got in. ( There may be a connection to XXXX breach was mid XX/XX/XXXX - XX/XX/2017. ) There were also searches using my XXXX, XXXX and XXXX XXXX. The hacker watched videos that appear to be in XXXX, for example about Admiral XXXX XXXX and Prince XXXX, Commander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Emperor XXXX XXXX XXXX XXXX XXXX.
08/06/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	SC 29906	Web	Older American
in XX/XX/2022 a company called XXXX XXXX XXXX XXXX XXXX XXXX, I called them to have new siding be put on my home we signed contract in XXXX finance was and is being financed with Greensky finance company i have been billed with greensky finance that i was told to pay up front {$4000.00} now the the XXXX XXXXt company kept telling me next then next week and now again next week i do not think its right for a finance company to take money when work has not been started you also need to look into XXXX XXXX XXXX XXXXs in Pennsylvanian they had issues of the same i was getting nervous of bill being due soon but no work has started why can a finance company can conduct business in this manner this is not acceptable in any means if a company says that because of supply chain issues then they should not be taken money up front and no finance company should not be charging finances up front services for work not started XXXX XXXX XXXX in XXXX XXXX XXXX but also on web site mentions Pennsylvania again you need to check Pennsylvania lets just say one day this company leaves town the finance company that has taken loans up front its ok
09/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	CO 80021	Web
On XX/XX/XXXX, FULL payment of the loan was paid via check. On XX/XX/XXXX, the over payment was issued via check to me and the account was closed AFTER I contacted them asking why nothing had happened with the account. On XX/XX/XXXX, I filed a dispute through XXXX that the account was paid in full because I was trying to obtain financing for a vehicle purchase and was told that my debt to income ratio was too high because of this loan. On XX/XX/XXXX, Greensky told XXXX that the account was NOT paid in full. On XX/XX/XXXX, I filed a second dispute through XXXX that the account was paid in full AND uploaded documentation showing that it was paid. On XX/XX/XXXX, I contacted Greensky who confirmed that the account was paid in full and told me that they had told XXXX that it was paid in full but " XXXX takes 30-60 days to update ''. XXXXOn XX/XX/XXXX, XXXX received another denial from Greensky stating that the account was not paid in full and it was to remain on my credit report. And now ... I'm filing this complaint because no one should have to FIGHT to have their credit updated after paying off a balance.
08/01/2017	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	TX 75070	Web
I received promotional financing through XXXX XXXX for 24 months no interested. My total purchase was in the amount of {$2500.00}. I made a {$250.00} payment on X/XX/2017 and another {$250.00} payment on X/X/2017. Due to the promotional financing I received, my balance should reflect {$2000.00}, however the balance reflects {$2100.00} online. I contacted GreenSky and was advised that the website was newly developed and that when I receive my statement in the mail I will see that everything is reflected correctly. However, I received my statement in the mail and it reflects exactly what is online. The balance reflects a finance charge in the amount of {$51.00} and my next payment amount is showing the be that exact amount. I am not understanding why my payments are being applied to interest if interest will be waived if I pay off the account within the 24 month promotional period. I contacted GreenSky again today and the agent I spoke with was rude and placed me on hold for several minutes with no resolution to my concerns. I think my billing statements are incorrect and my payments are not being applied correctly.
04/28/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 80016	Web
One month ago I contacted green sky requesting a deferral due to COVID19 given my hours were cut at work. I was told I had a 3 month deferral. 5 days past the first payment that was not made ( 1st month of the deferred months ), I received a collection call. I reiterated that I was told I had a three month deferral and offered to pay as I did not want my credit to be negatively affected. I was assured that nothing is reported to the credit agencies until a loan is 30 days past due. A week after that call I get multiple collection calls, two in the same day. I have the same conversation and am assured that nothing is being reported. Yesterday, one month after the initial call I receive a letter in the mail confirming the deferral. This morning at XXXX I received a call from Greensky yet again. I have excellent credit ( XXXX rating ) and do not want to associate with a company that has a complete disrespect for its customers during a pandemic and no internal tracking of the conversations taking place. I have since set up the loan to be paid in full so I do not have to interact with this company ever again.
08/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 103XX	Web
I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED XXXX CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY XXXX CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( XXXX ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT XXXX CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
10/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48910	Web
GreenSky is a fraudulent corporation. I had 4 XXXX treatments at {$50.00} a session, and they are trying to charge me over XXXX for services. The company I went to for the laser treatments, XXXX XXXX, left in a voice-mail that they were shocked that was happening. I couldn't even get treatments since I became XXXX and could n't drive, and due to covid, and XXXX not only closed down for awhile, but I was getting treatments on my face, which with a compromised immune system, I would be unable to do, yet GreenSky keeps harassing me via email, phone, and text for payment which threatens my good credit standing. GreenSky are dodging all my emails for an {$850.00} refund. I paid the {$200.00}, I want the other {$850.00} back for treatments I did not get done. They are very dishonest and I do not recommend anyone doing business with them. They have a 2 star review, over 300 complaints, and aclass-action lawsuit against them right now. I wish someone had warned me or I researched them but it's hard to be a trusting person in this world. Don't do business with GreenSky , LLC.
08/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 303XX	Web	Older American
Loan Fraud : GreenSky LLC Acct. # XXXX An XXXX XXXX XXXX XXXX representative offered to do home improvements about 6 years ago for {$8200.00} at 3 % APR for only {$95.00} a month. When I got the bill it said, " Greensky. '' " interest rate : 5.99 %. '' I was annoyed that it was higher than quoted, but I thought that was still a good annual percentage rate for home improvements. The work was done. I have been making monthly payments, on time, all these years, and I noticed that I still owe more than half of the original {$8200.00}. I must have paid out almost {$6800.00} by now, and the current bill says that the balance due is {$4400.00}. I just used my calculator and ( even at 5.99 % instead of 3 % ) 5.99 % of {$8200.00} is {$490.00} {$8200.00} + {$490.00} = {$8700.00} {$8700.00} - {$6800.00} = {$1900.00} I should owe that amount, not {$4400.00}. Then I realized the 5.99 % is a monthly rate. Does that mean the annual rate is really 71.88 %?? The kicker is, I'm XXXX. I sold that house 3 years ago and didn't pay off the loan because the interest was so low.
07/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NY 142XX	Web	Older American, Servicemember
XX/XX/2018 I am complaining about the service that I got from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( GreenSky, LLC ). XXXX XXXX started in XX/XX/XXXX on our kitchen and finish in XX/XX/XXXX. Now the water faucet do not work proper, it ' second faucet they put in. We accept their working schedule and understood that there would be days that they could not work, but not stopping and be gone two weeks, come back work one day, then stop work take a other weeks. Our kitchen is not that big, it a small kitchen. The CREW 2 had a bad reputation for working on kitchens. My wife became ill from the XXXX and frustration, that her kitchen was taken so long to finish, that she have be admit to hospital. She had to cancel dinners and wash dishes in the bathtub. Yes we have been corresponding with XXXX XXXX complaint center. Then it get like " passing buck '' to different representatives. Then all communication stop. Ms.XXXX XXXX, the XXXX XXXX representative said as soon as they finish we will be compensation. I am asking for {$3000.00} be subtraction from my loan.
10/29/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AZ 85013	Web
My Husband and I purchased new windows for our house through XXXX XXXX. We decided to take advantage of a financing offer through XXXX 's partner, Greensky Financial. We applied by providing our information to the XXXX representative using our legal names, XXXX and provided the XXXX 's representative with our state issued identification as well as our personal information, all of which has my married name of XXXX. When our first statement arrived I discovered that Greensky had changed my name back to my " maiden '' name of XXXX, citing that they did it because that is what the credit bureau has listed as my last name. Greensky refuses to correct the error and instead demanded that I provide a copy of my marriage license. It is my belief that Greensky Financial has discriminated against me due to my gender. I firmly believe that if I were the secondary applicant and I was a woman my name change would in no way be questioned. I frequently check my credit with all three bureaus and they all have me listed as XXXX XXXX and XXXX as " other names known by ''.
11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94014	Web
I was thrown into collections after I called to make a payment. I was scolleded by the customer service representative for being late. I told her why do you think I'm calling to make a payment and why is she scolding me for lateness when I'm attempting to make a payment. So she did not like I was assertive in expressing to her she doesn't have to try making me feel bad and I don't need a lecture. I felt that after my conversation she was going to throw me in collections and I was correct. Due to this aggressive employee who had the power to report for any reason she did. Because of her taking the power to feel as if she's calling the shots I was reported. She is the reason why my credit report is negative. I suffer from XXXXXXXX XXXX XXXX I have not had the XXXX XXXX to address this problem because I'm so XXXX I ignore. She has caused me stress and a bad negative reference that you still reporting to this day. If it had not heen for a XXXX I would have continued payments. Stop reporting me you did damage already. I'm tired of unprofessional XXXX.
10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48910	Web
XXXX XXXX headquartered in Tennessee, along with their 3rd party debt collector, are trying to not only steal money from me, but are ignoring my complaints. XXXX is a XXXX XXXX XXXX treatment company in which I signed up for a half off discount on laser services. I only went for 4 XXXX and not only did they not work, I became XXXX and could no longer drive to XXXX. Also, with a compromised XXXX XXXX, I can't get XXXX on my XXXX yet they are still charging me {$75.00} a month. They have already sucked {$1000.00} out of my bank account and now want $ XXXX even though I stopped getting treatments over a year ago. I talked to the director of XXXX XXXX, and she told me she didn't know why they were charging me that much, yet she said she can't do anything about it. That is not the way to conduct business. I wrote the director again a couple of days ago because I found out that GreenSky has a class-action lawsuit against them and over XXXX complaints on this sight. Nobody is helping me. They are pretty much stealing from a low-income XXXX citizen.
08/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 99205	Web	Older American
Hi I am writing to report a problem with GreenSky. Hi, I'm writing to you because I have a loan with the GreenSky company. I took out a loan on XX/XX/2020 from this company for roof repair. The roof began to leak from XXXX. I spoke my problem with the selling agent who helped me report the leak. I made my report on XX/XX/2020. I was sent by XXXX people who glued it. The leak continued to progress and I reported it again by calling and emailing. Now is XXXX and I have reported the problem XXXX times this month, and I have not received a response. I would like to know what I can do because they don't listen to me but I do have to keep current my payments. Today I decided not to make the payment to see if the problem will be fixed before winter begins. There are XXXX Companias and XXXX is called GREENsky XXXX XXXX XXXX located XXXX Georgia XXXX, and the other company is XXXX XXXX where I have reported the problem several times as well XXXX. I hope you guide me to see what I can do, thank you or report this in your reocrds. Thank you.
12/11/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34119	Web	Older American, Servicemember
ON or about XX/XX/2017 XXXX XXXX located at XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX entered into agreement with Green Sky Lending, XXXX XXXX XXXX, XXXX, Georgia XXXX. This agreement was entered in my personal name XXXX XXXX on a Invoice in My wife 's name. We never signed nor agreed to any loan application, This was marketed as a interest free note through XXXX XXXX. This was a replacement of air conditioner system which failed. My wife having XXXX XXXX and awaiting XXXX XXXX was not equipped mentally to make such financial decisions. After install we had major failure within the system with mold, that I had another contractor resolve at a cost of XXXX dollars. After this failure, My accountant paid the total outstanding balance down to XXXX balance thinking the contractor was receiving payments from Green Sky. I never signed nor agreed to this note, nor is there any signature of my wife and only an estimate that has her name on it. I consider this a fraud on myself, Green Sky and XXXX XXXX to which this invoice was sold.
05/04/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
I called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX AC unit charge, and now I am fighting a bill for over {$6000.00}!!! The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.
09/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 242XX	Web	Servicemember
SinceXX/XX/XXXX Greensky has refused to withdraw final payment from my bank account before the promotional expiration date ofXX/XX/XXXX after this date interest would apply at 17.99 % Start DateXX/XX/XXXX Total Purchases {$4400.00} - Total Payments and Credits - {$3600.00} + Total Fees {$0.00} = Current Pay-Off Amount {$730.00} APR 17.99 % Interest Charged this Period {$16.00} + Total Prior Interest Charged {$370.00} = Total Interest Charged {$390.00} Promotion Expiration DateXX/XX/XXXX I have attempted to have them withdraw the funds at least 5 times where reference numbers and emails were sent to me saying they would withdraw the appropriate funds.When I call they say the payment never went through. This is just a scam to bilk consumers and especially seniors to pay high interest charges.I thought at first this was a bank or loan company. Not Greensky, the XXXX, GA BBB says they are a LLC like most small companies and that provides " Loan Servicing '' BEWARE!!!! BBB has over 160 customer complaints of Greensky as ofXX/XX/XXXX.
12/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IN 478XX	Web	Older American
GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. Please help us. Sincerely Yours,
12/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 270XX	Web
I have requested for a duct cleaning service with XXXX duct cleaning service, they came and connected with Greensky to pay the amount, they told me if I pay in a year there wont be any additional charges. The person called from his mobile and I have provided all the information requested and accepted that I am going to use their services. Very next day I have visited and looked the cleaning service vendor has provided and I came to know they didnt do any services and I have called greensky to dispute the charges. After couple of weeks I didnt hear anything I called Greensky again, they told me who was investigating was on vacation and once they back they get back to me however they lift dispute without informing us. When they follow up they told me they dont have my information that is the reason why the didnt contact me. And they forced me to pay all the amount what I didnt get the service. When I called and requested for support they told me that they dont do anything and I am responsible for all the amount
08/28/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Received unsolicited financial product or insurance offers after opting out	FL 34109	Web	Older American, Servicemember
GreenSky opened an account without my consent onXX/XX/XXXX based on services provided by an air conditioning company I had contacted for a quote. They offered financing through GreenSky but I did not agree on the price. Several weeks later I received information from GreenSky that I had been approved for a personal loan of {$10000.00} but the bill was {$16000.00}. I contacted Green Sky and provided information to a supervisor, XXXX XXXX that I did not agree to this charge and had not applied for it. She put the account in disputed status. I also sent a letter to this effect on XX/XX/XXXX.. On XX/XX/XXXX, I was notified by the compliance department of GreenSky that this was a valid charge according to the merchant and they were placing it back on my credit report. Until that time, the account was marked closed on my credit report, but since they are reinstating the line of credit and the bill, I filed an identity theft report to FTC and am notifying the credit reporting agencies of the identity theft.
11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
Green Sky XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX fraudulently opened a loan for {$7200.00} in my name. Green Sky XXXX XXXX XXXX is colluding with XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX promised to build a glass patio enclosure, in a contract executed XXXX XX/XX/2021. We thought XXXX XXXX would finance the project and we would repay XXXX XXXX within two years of finishing the project. XXXX XXXX accepted a personal check of {$15000.00} as down payment to begin work. On XXXX XXXX, 2021, XXXX XXXX contacted Green Sky and demanded {$7200.00} as additional down payment. We protested. We never authorized Green Sky or XXXX XXXX to charge {$7200.00} against a loan. XXXX XXXX never did any work- no demolition, no materials ordered, no construction, nothing. I say this again : XXXX XXXX DID NO WORK. XXXX XXXX stole {$15000.00}. GREEN SKY continues to add interest and late fees to the original loan for a non-existent glass patio enclosure, and sends monthly statements and threatening letters.
12/08/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92691	Web
We signed up for a no cost loan with XXXX interest in the first 12 months. We signed up for automatic payments at an accelerated pace that would pay off the loan WELL ahead of the end of the promotional period. About 6 months later we made the final payment, and the automatic payment system charged us over {$100.00} dollars in excess of our loan amount, as if we had been accumulating interest all the time. I called and Greensky said they would process a refund, and that I would get my money back in 14 business days. So just in time for XXXX they get an interest-free loan from me for almost a month. They claim that they would have EVENTUALLY refunded my money even if I did not call to demand one, but I have my doubts. I think the way this company does business is extremely questionable. I have doubts as to the legality of holding my funds hostage this way, and I suspect they are hoping that less vigilant customers do not notice that they have been overcharged and never demand their money back.
10/26/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	PA 15236	Web	Servicemember
my wife and i hade some home remodeling completed thru XXXX XXXX of XXXX pa. we met with the sales rep -XXXX XXXX who informed us abut a loan with 0 % finance charge. essentially he proposed a job which cost XXXX and infront of myself and my wife said its 0 % so your payment would be XXXX we could not afford tat so we had a revised/adendum to reflect less work so a smaller charge of XXXX again XXXX came to the house and said alright now at 0 % for 60 months your payment would be XXXX. Now i get a bill from Green sky Financial charging {$120.00} far from the {$100.00} that was quoted. i called green sky and was informed there is a finance rate of 1.66 % thats why the bill is more. I contacted XXXX XXXX and explained this is misleading at the very least and definitely a training issue. after talking to XXXX the manager I found out they also over charged me. this entre practice was deceitful and Green Sky financial was of no assstance. The seem to be predoratory lending with all parties envolved.
10/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 793XX	Web
I applied for a home improvement loan from Greensky XXXX ( hereinforth referred to as " Greensky '' ) in XXXX or XX/XX/2022 ( I do not recall the exact date ). A hard inquiry from Greensky appeared on my consumer credit report. However, I received a letter shortly thereafter that stated that my application was denied because " my information could not be verified ''. I found this reason to be too vague and likely erroneous. Therefore, I decided to send a letter to Greensky on XX/XX/2022 to request clarification and to request that they move forward with the application. I enclosed a copy of my Texas Driver License and the letter from Greensky for reference. Unfortunately, I did not receive a response from Greensky. I re-sent the letter about a month later. I still did not receive a response. So far, Greensky has been completely unresponsive. I find this to be highly unethical. Greensky should not have initiated a hard credit inquiry if they had no intention of processing my application.
11/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	WI 54901	Web
We went through Home Depot 's project loan, representative XXXX XXXX, to have our roof replaced this summer. They hired contractors ( XXXX XXXX XXXX ) that not only caused {$15000.00} dollars worth of siding damage while taking 2 extra days to complete the job, they were also drinking alcohol while doing our roof. We received an offer from that contractors insurance company for {$7500.00} half of what it will cost to have it replaced. Home Depot called us this morning and said these exact words " We stand behind the contractors insurance '' which means Home Depot is not going to do ANYTHING to fix or make this situation right. We still owe and need to pay the {$14000.00} for the replacement of the roof AND now come up with the {$7700.00} to fix the siding. We 've been in touch with XXXX XXXX and XXXX XXXX from Home Depot in regards to the price of the roof and nothing there has been handled or changed price wise. Not only has this been stressful but has been a financial hardship for us.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30309	Web
GREENSKY INSTALLMENT XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. Inquiry was made on XX/XX/XXXX by GREENSKY XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. - Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
02/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78653	Web
On XX/XX/2020, I contacted the company, Greensky and inquired about the {$110.00} interest charge on the 1st statement. Payment for XXXX services were rendered on XX/XX/2020. I received the statement on XX/XX/2020, showing the interest charge of {$110.00} and a minimum payment due of {$190.00}, due XX/XX/2020 for services. I was informed that it is prepaid interest, because my closing date is on the XXXX of each month. I explained to her that didn't seem right, she explained to me that is how Greensky does things. I then asked her about the Promotional Expiration Day of XX/XX/2020 that was printed on the statement. She responded said that no longer applies. I asked her who regulates her company. She said that was good question and put me on hold to get the answer. She came back on the phone and told me that they were regulated by the FDIC. She also said that the interest amount was not interest, but a part of my payment because of my closing date falls the XXXX of each month.
07/22/2020	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 27549	Web
I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20740	Web
I was just looking over my credit reports and found some inaccuracies that I am demanding GreenSky and credit bureaus to correct. I sent a letter, certified mail, to all credit bureaus stating the issue and requested the information be corrected. Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The account is stated to be active with GreenSky, but it was closed on XX/XX/2019 ( XXXX ) XXXX and XX/XX/2019 ( XXXX ), on corresponding credit bureaus. Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately. Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The current balance is reported to be {$890.00} on my credit reports, but with GreenSky it is reported to be {$870.00}. Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately.
10/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	PA 152XX	Web
This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.
04/29/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 11566	Web
Financing terms of loan/line of credit include deferred interest, waived if the total balance is paid in full before the end of the promotional period. No payments are due during the promotional period. However, the statements provided ( I just received my first one ) are confusing - they show " interest charged '' with such interest amount included in the " New Balance ''. There is a box in the middle of the statement that states if the current pay off amount ( which is the New Balance less the interest charged amount ) by the promotion expiration date, the total interest charged plus any additional accrued interest will be waived. While I personally know that I am technically not being charged the interest unless I do not pay the principal balance in full before the end of the promotional period, I fear that this confusing presentation of the information may cause unsuspecting consumers to think they need to pay the total new balance amount, which includes interest.
09/28/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	OK 731XX	Web
I am engaging the CFPB to report that Greensky, XXXX XXXX XXXX, XXXX Ga XXXX is facilitating lines of credit to XXXX dba XXXX in XXXX XXXX, OK. In XX/XX/2018, I secured financing via Greensky for the installation of a new driveway. Unfortunately, the quality of work was not satisfactory. I financed {$12000.00}. I filed a dispute with Greensky on XX/XX/2018. The representative disclosed that they would be limited on the request for quality of work. However, XXXX at XXXX dba XXXX did have an individual complete some additional work. Unfortunately, this was not to standard as of to date the drive is chipping and the series of other problems can not be resolved unless the drive is torn up and new concrete is poured an properly finished. Greensky did follow up on XX/XX/18. However, there has been no additional efforts by XXXX for resolution. I am asking Greensky to evaluate their support to extend credit to a business who is taking advantage of individuals with sub-par work.
12/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 74011	Web
On or about XX/XX/2018, I contact XXXX XXXX in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.
01/13/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CO 80220	Web
A loan was taken out in my name. I was sent a letter saying I had taken out the loan when I had not. I called to learn more and was asked to provide my social security number, I did not. Then I got a letter saying I owed on the loan I never took out. I wrote the company to dispute the loan. I then got a letter saying I would be reported as not paying the debt. The debt was on my credit report. I disputed this in writing, filed a police report, put a fraud alert with the credit agencies. The company is Greensky Loan Services. Located in XXXX, GA. The company number on the credit report does not go to a working number. However, after I called, someone called me back and said they had received 1 of my written disputes. They again asked for my social and asked me to fax the police report. I did this. It seems odd that this company created a debt, and reported this to the credit agencies. It may be a case of stolen identity, or it may be a scam by this company Greensky.
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32244	Web	Servicemember
I have contacted Green Sky on multiple occasions about them reporting a charge-off on my credit report when there was never even a late payment. I had a joint account with my mother for a Green Sky home improvement loan. My mother filed for bankruptcy a year after getting the loan but I continued to make monthly payments on time. When Green Sky decided to report the loan to XXXX, they reported it as a charge-off while providing payment history of uninterrupted timely payments. When I called Green Sky, they told me that the charge-off is reported regardless of me making monthly on-time payments. For an account to be a charge-off it has to be delinquent for at least 120 days, of which is not the case here. However, it is a violation of the FCRA to knowingly report false information to credit bureaus. Green Sky called me to fix the issue, admitting it was an error but they had to consult a manager to fix it. The supervisor I spoke with never called me back.
02/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 904XX	Web
1. Around XX/XX/XXXX, I noticed a " Hard Inquiry '' from " Greensky Financial '' on my credit report. 2. I immediately contacted Greensky by phone. They told me there is an installment loan application under my name. 3. I replied to Greensky that I have never inquired, requested, or applied for a loan at Greensky. They said they would investigate this fraudulent loan application and get back to me. 4. On XX/XX/XXXX, approximately three weeks after first contacting Greensky, I still had not heard back from the company, and so I filed an Identity Theft case with the FTC. 5. On XX/XX/XXXX I also furnished Greensky with the Identity Theft Report and requested to 1 ) close the unauthorized account, 2 ) remove any charges on the unauthorized account, and 3 ) remove information about this account from my credit files. 6. As of today, XX/XX/XXXX, almost two months after I first contacted Greensky, I have not received any reply from Greensky whatsoever.
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08759	Web
I have a loan with my son as co-signer with Greensky. My son and his wife filed for Bankruptcy in 2017. Since then, my son has continued to always pay the Greensky loan as agreed since I was still responsible for it. He has never missed a payment. Further, most recently my son paid two large payments of $ 10,000+ to pay up the loan quicker than expected ( loan is a 15 year or so loan and is almost paid in full short of 5 years ). I received an alert that my credit score went down due to delinquency. When I received my credit report, Greensky reported me as delinquent and charged off the loan. This should not have happened as due to the Fair Credit Reporting Act, my accounts in good standing should be reported as such. My son contacted Greensky to tell them this, and they told him that due to the bankruptcy, they were following procedure. My son told them that they could not do that to me since I did not file bankruptcy only he and his wife did.
11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 372XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
11/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 11385	Web
When I made the application they answered me to tell me that it had been rejected and that they would send a letter to explain the reason. When I received the letter, it said that they were unable to verify application information. I spoke with XXXX from the number that the Home Depot Loan Program provided for any questions. The number is XXXX and I called to ask what information they were unable to verify. She checked all the information with me over the phone and it was all correct. My credit score is XXXX, so after checking everything, she could not understand what was the reason it was denied or what was the information that couldn't be verified. She spoke with the people in charge of making the loan decisions and they could not tell me what the reasons were. When I asked if it could be the age, she didn't deny that and simply told me that she didn't know. Honestly, I think that is the only reason that I was not approved.
09/17/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 920XX	Web
I never agreed or signed any document to have a loan taken out on my name for solar panels, nor do I live at the property where the solar panels were installed. A sales man told my elderly mother that they can use my name to take out a loan for solar panels at her home if she did not qualify. I never knew the loan existed nor did I ever sign or agree to any such loan. My mother is elderly and was taken advantage of. Now the finance company is calling and harassing me for payment. I called them to ask them what this is regarding as I never knew such a loan existed and that was the first time me hearing that this loan existed. When I spoke to Greensky Loan Services they said if they obtain my information the loan is valid. I could not understand how a {$27000.00} loan can be taken out in my name without my knowledge or signature, that is complete fraud! There are other lawsuits against this company as well for scams!
02/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07108	Web
During a recent review of my credit report, I noticed a credit inquiry by GreenSky Installment dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they serviced the account on behalf of XXXX XXXX which I am not familiar with. They concluded their correspondence by reporting that the account was verified. I sent a second letter via certified mail to GreenSky that was received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and more than 90 days since my initial communication ), GreenSky has not responded to my request for verification procedures and have not noted my dispute on my credit profile, as required by law including for credit inquiries.
03/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91303	Web	Older American, Servicemember
A GreenSky rep called me on XX/XX/2020 XXXX XXXX ) to ask if I had opened a credit with them for a XXXX office. I said no, I have no idea who either the company or the XXXX office is. She verified my name and address but when she wanted to verify my SS #, I said no. I was told that the XXXX XXXX name was XXXX XXXX XXXX in XXXX, CA. This woman also told me that they would send me a letter regarding the fraud. I also called the XXXX office ( XXXX ) and we mutually verified that it was a fraud as we didn't know each other. I called back the number in XXXX and could not get through. Today I received a bill for {$20000.00} from GreenSky. They had a number on the face of the bill ( XXXX ). I called them three times today, XX/XX/2020 ; they started to give me general information but when I attempted to get information on this specific bill, the line started to be scrambled and they hung up on me every time.
12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95757	Web	Servicemember
My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.
05/22/2015	Yes	Credit card	Billing disputes	WI 53188	Web
I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.
07/07/2019	No	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	MO 641XX	Web
I had a procedure done last year at the XXXX XXXX, in XXXX XXXX, MO. I was approved with a line of credit thru Green Sky. They procedure didnt meet my expectations, nor really any customers at that. Less than 6 months later their doors are shut, closed out of business. This place is not legit.. I was told if I didnt like my results to come back, however they are now longer in business and I feel I should not need to pay for XXXX service. I have told the place of treatment this as well as Green Sky, I am disputing this collection. They are no longer in business for a reason of unsatisfied customers and complaints, which I am one. Please see you can help dispute and resolve this matter. Please take off my credit as it is hurting my score. I make the money but I refuse to pay for service that didnt work and when I tried to reach back they were out of business. Thank you in advance, XXXX XXXX
07/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 342XX	Web
1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.
01/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07205	Web
On XX/XX/XXXX we had someone come to our house to give us an estimate of how much our new windows will cost us he then said it will be {$5300.00} if we pay by XX/XX/XXXX but any day after XX/XX/XXXX the Company Greensky ( Loan Company ) will then start charging me interest which i understood .I come to find out the the Company Greensky which gave me the loan for the windows are stating that i was given false information by the representative that came in that date and that the promotion was only for 12 months and not 18 months which would of been XX/XX/XXXX XXXX then find myself with the surprise that not only i been late but i now have to pay from {$5300.00} to almost {$8000.00} since they gave me False information .What i ending up doing was paying the 3 months that was " late '' which was {$630.00} for it not to affect my credit since this shows up in my credit report.
07/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07728	Web	Servicemember
In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from home depot through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at home depot. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
02/10/2021	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 95023	Web
on XX/XX/2021, I apply for a HomeDepo loan project credit card, at the time of the call they offer me 2 % interest for 6 months, and after that it was going to change to the % that I qualified. 4 days later I got the installment loan agreement, which was 16.24 % there was not 2 % promotion interest for 6 months like they said to me. I call them and told them what they offer me, and ask for a manager, told the manager to listen to the recording to see what I got offer. on the next 4 days the manager call me, and this is what she told me. I did listen to the recording and I want to apologize, they did offer you the 6 months 2 %, but there's nothing we can do, the only thing we can do is do a better training to our employees. I got XXXX now, and I would like to get some help. this is the manager of the loan project credit card. XXXX from Greensky XXXX XXXX XXXX XXXX
07/09/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95818	Web
On XX/XX/XXXX I was approved for a loan totaling {$4700.00} for plumbing repairs. Greensky was recommended as a lending affiliate by the plumbing company, and the loan was advertised as interest free if repaid within the first 18 months. Otherwise, the loan would be subject to interest of 25.30 % APR. The originating transaction for {$4700.00} posted on XX/XX/XXXX, after repairs were completed. In XX/XX/XXXX, I began making monthly payments of {$260.00}, ensuring the principal would be paid in full within the 18-month promotional period. I recently logged into my Greensky account and noticed that despite being within the 18-month promotional period, I have been charged an exorbitant " Finance Charge '' each month since XXXX : XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$91.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$81.00}
12/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MA 027XX	Web
If paid off our loan on time then we would not recieve any interest charges. XX/XX/2022 was the last day. On the XXXX we paid off the loan submitting 2 payments on line. On the XXXX Greensky charged us XXXX finance charge and then on XX/XX/XXXX they reversed one of our payments of XXXX I called our bank and green sky never attempted to process our payment. From our point of view green sky just reversed our payment in order to charge us all the interest. On their website it says that all disputes need to be submitted in writing to then with in 60 days. I have been through this same thing with XXXX XXXX XXXXXXXX. they always claimed to have never recieved our letters even when sent by a lawyer. Any help that you could give us would be greatly appreciated. I feel that writing and sending letters would be wasting some of our 60 day window. Thank you so much!
06/05/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	IL XXXXX	Web	Older American
I am a senior citizen and the victim of extortion twice : Once by the merchant and once by the finance company. Here 's my story : Merchant : XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX This plumber charged me {$8500.00} for a job that other plumbers charged me {$1500.00} to {$2000.00}. He pressured me to sign before the job was done by threatening to walk off the job. I signed under duress and will be filing a complaint with the Illinois Attorney General for extortion and violating Illinois Right to Cancel law. Finance Company : GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, a unit of XXXX XXXX XXXX, an XXXX XXXX. This company is committing fraud with their promotion program by charging a higher interest rate than stated, and colluding with merchants to defraud senior citizens. Im planning on contacting a knowledgeable lawyer to file a class action lawsuit.
06/18/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	CO 80403	Web
I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.
04/05/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 754XX	Web	Servicemember
Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.
12/25/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NJ 08002	Web
Agreement was GreenSky ( GS ) would NOT pay the contractor, XXXX XXXX, until verification of completion of services. However, the job was never completed. The contractor disappeared mid-job ( I later found out that was shortly after GS paid the contractor in full ) until they received the letter from my lawyer of the lawsuit on breach of contract etc. We are currently in litigation with Contractor for breach of contract. We're trying to resolve this, but in the mean time GS is reporting delinquency and adding interest to the account. I have excellent track record of paying all jobs that I contracted for, such as the new roof job, done, then paid in full. Home generator installed per code, paid in full. This job with XXXX is a disaster per experts. This wasn't even done per code and above all they stopped the work once GS paid them prematurely.
06/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30168	Web
I applied for a loan with Greensky for some foundation work with XXXX XXXX XXXX. I was approved for the loan however the company couldn't do the job until XXXX months later. When I started to make payments I was told that my 1year no interest was about to expire and a interest rate of 9.99 % will be assessed in the next XXXX months. Greensky started the loan without me making a transaction on the loan. I asked them to consider starting the no interest on the date the work was complete but they wouldn't agree. This was the most unfair loan process I have ever experienced, I'm still making payments after almost XXXX XXXX. I'm having to pay XXXX times the payment due to pay them off ASAP. My purchase window expired XX/XX/2020 now the interest that I have to pay is XXXX I could have saved if the Greensky would have processed my loan correctly.
12/07/2018	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	WA 98632	Web
XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project and in fine print " Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. Fact # 2 : XXXX XXXX XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. Fact # 3 : My XXXX XXXX XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date, XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.
03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33141	Web
A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.
07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94566	Web
I opened a case with CFPB ( XXXX ) on XX/XX/2022. The company responded quickly on XX/XX/2022. They stated they would resolve the situation, " As part of our investigation, we reviewed your account history and submitted a request to each credit report agency to remove the account from your credit report. Please allow up to 30 days for the update to be reflected on your credit report ''. I was very happy with the decision. I waited patiently for 60+ days for the account to be removed from all agency reports. They were not removed, so I emailed the company on XX/XX/2022. I have not received a response. I am only asking for them to follow through & remove the account from my credit. I am attaching the original case & response from the company stating they would request the removal of the account from my credit history.
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48306	Web
I paid off and closed this account with Greensky XXXX XXXX on XX/XX/2019. They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX twice and XXXX three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. This has negatively affected the rate I will receive on my mortgage.
11/10/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33607	Web	Servicemember
XX/XX/XXXX I applied for loan with GreenSky XXXX XXXX credit to pay for XXXX services from XXXX XXXX. I applied for XXXX credit limit and actually used XXXX. I was expressly told and received in writing that the credit check would be a " soft '' credit check and would not impact my credit score. The credit check performed by GreenSky was in fact a " hard '' credit check and is listed on my XXXX Credit report with a corresponding drop in my credit score. The Company lied. I want this credit check removed from my credit report and my score restored. As a footnote - after the XXXX charge was enacted GreenSky called me eight ( 8 ) times to remind me I owed them XXXX. This started the day the amount was charged. This was before even one statement was issued or payment due. It only stopped when I blocked the number.
07/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	ID 83646	Web
Applied for a project loan through Home Depot in XX/XX/2021 for a window project. the loan was good for 6 months, so the project had to be completed prior to that. the project was completed, and Home Depot representatives never completed the loan charging process, and now expect me to either pay the difference, or reapply for another loan. they could just call the finance company and explain what happened, but they refuse to do so. I had spoke with at least 5 employess over the course of the past month and they all acknowledged that they seen the project loan in the system, yet no one chose to proceed to bill the project loan that the job was complete. All I want home depot to do is honor the original loan agreement which was for {$7800.00} I believe, instead of making me have two loans due to their error.
09/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33967	Web
I purchased a home in XX/XX/2017 and the inspection indicated A/C should be maintained. I called XXXX XXXX XXXX and as soon as he opened unit, he broke part and sold me {$1500.00} part to keep running. In the meantime - and before he left, he had a salesman here who mislead me in unit I was purchasing and did not offer financing options. He placed financing with XXXX and they are a nightmare.this is an I was not advised this is an installment loan, I thought I was financing an air conditioner. Since that deception, I lost my job and was a natural disaster victim. The promotional period ran out and XXXX REFUSES to allow a hardship program or reduce interest rate.XXXX XXXX refused to honor their warranty, forcing me to pay for maintainance and XXXX gives no consideration to their vendors action.
07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54304	Web
Filed a complaint with CFPB on XXXX complaint number XXXX. Complaint was for fraud wire transfer by a company. Company responded with its final answer exactly on the 60th day. The answer said they contacted me, they never did They also said they contacted the merchant when they could not have since the state of Wisconsin put them out of business for their part in this scheme. Then the second part of the response states that their fraud department is still working to resolve this matter. How can this matter be considered closed by.the CFPB? I have been going in circles with these people and they respond to the CFPB with this sort of answer and you just close the investigation? This matter is not resolved when the company clearly states it is still investigating the matter.
04/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 380XX	Web
In XXXXXXXX XXXX XXXX, I was approached by a contractor to have some home improvement completed at my home. I informed him that I was unable to pay for the project he was suggesting I needed. I was told I could finance the project using a loan from GreenSky. The merchant strongly suggested I get a loan using an app on his phone. He asked me a few questions and said that I was approved. I was not made aware of the terms of the loan by the merchent nor were they explained to me in detail by a representative from GreenSky. Although I was totally not satisfied with the work, I started making payments to GreenSky because I did not want to damage my credit. The payments are causing me financial hardship. GreenSky 's lending practices are predatory and something needs to be done.
06/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92243	Web
I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX
02/24/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30082	Web	Older American, Servicemember
i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night
10/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75231	Web	Older American
One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX and they said yes it would be covered.The next day I called XXXX and told them to cancel. Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. I am sending you a copy of this transaction.
05/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MA 01824	Web	Older American
I called XXXX XXXX XXXX XXXX. In XXXX ma.We were doing a ac upgrade and some electrical upgrades. The Financial institution that this company uses is greensky.The loan amount was in the range of XXXX, some were in that ball park. The loan was going to be in my name and my husband as well. My credit score is in the fair category, XXXX, XXXX, somewhere in that range. My husbands is XXXX. We were going to put down XXXX which is half of the loan amount and finance the rest With this we got denied. I understand that my credit report has issues, but my husband does not, they advertise that a credit score of as was told to me XXXX, the website says XXXX, I may have not qualified but I dont understand what the problem was with my husband. No reason was given.
02/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	WI 537XX	Web
My father received financing from XXXX XXXX XXXX XXXX, Green Sky Financing. He passed away and I am the executor of his estate, I paid off the loan but received a bill after the fact for {$6.00} late fee. He is deceased and therefore couldn't pay-I paid as soon as I received the information to do so. The company refused to refund the late fee even though he is deceased and unable to inform him. I did so as soon as I received the information. It seems to me that the XXXX should have been refunded and the loan allowed to be closed. They go out of their way to make things difficult and continue to charge more fees even though I've sent the necessary paperwork to them as of XX/XX/2018. This is absolutely ridiculous. THey were also rude and harassing.
05/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 940XX	Web
GreenSky LLC. and XXXX XXXX XXXX of XXXX, IL. GreenSky at XXXX XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.
10/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29414	Web
From XXXX XX/XX/XXXX I received daily phone calls from Greensky Loan Servicing demanding payment if I have missed my due date for payment. They have done the same multiple times in the past since I took out the loan on XX/XX/XXXX. In fact, since I took out the loan for medical reasons, everyday past the day my loan is due, I receive phone calls everyday until I make my payment. I have asked them repeatedly to stop calling me every day and that I would make the payment as soon as I had the funds. Despite this, I continue to receive harassing phone calls as early as early as XXXX XXXX on XX/XX/XXXX. I have informed them that I would be lodging a complaint and asked them repeatedly to stop calling me every day. They have not been deterred.
08/28/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29640	Web
I believe this loan is a predatory loan. When I first got the loan I paid triple the amount of the payment. When I first asked for a breakdown of payments I was denied. I also wanted to pay my payment early I was told if I do that before I get My monthly stamens I would have to make a double payment because it would automatically apply to the principal. I would be considered late then if I didnt make 2 payments. I have been paying this loan for 4 years and I believe it should be paid off but my statement says I still owe a significant amount. Also the interest rate is 9.99 and they take 50 % of the payment each month for interest. I believe this loan has to be looked at if they are doing this to me they are doing this to all customers.
02/01/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92571	Web
Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX is the company that is charging me for tha Thank you
11/10/2016	No	Consumer Loan Installment loan	Managing the loan or lease	TX 76262	Web	Servicemember
1. Merchant, XXXX XXXX XXXX XXXX, drew a final payment for a construction project from my credit account without my authorization and in violation of the terms of our contract. They bypassed me and had my wife sign an incomplete authorization form without my knowledge ; 2. Lending broker, Greensky XXXX, who insists they are not the actual lender, did not request or verify my authorization before disbursing funds to the merchant even though they specify that XXXX rules and terms apply ; 3. Third party lender, XXXX, has this loan listed on my credit bureau reports yet they do not acknowledge any existing account open in my name or any customer relationship between us ; I am working with an attorney to pursue the matter in civil court.
09/16/2015	Yes	Credit card	Unsolicited issuance of credit card	CA 92653	Web	Older American
On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.
11/09/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95758	Web
Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.
01/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44484	Web	Servicemember
GreenSky was used to purchase my windows through XXXX XXXX in XXXX of XXXX. My minimum payment was XXXX a month. I made sure to pay XXXX a month on an auto pay. I recently received a late notice and a late fee attached to my account, XX/XX/XXXX. My minimum payment went from XXXX to XXXX and there is nothing I can see that changed with my account. I first noticed when XXXX XXXX said I had a new account and it was GreenSky. I was paying over the minimum and making my payments early. I contacted their customer service and they left me on hold. I sent them an email and I received an automated response about interest rates and payments. Is it legal to just add fees to accounts? I now owe over what I originally borrowed.
12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48910	Web
GreenSky , LLC. needs to provide me proof of a signed contract by me. XXXX XXXX and I have completely parted ways and dismissed my loan so if GreenSky wants money, get it from XXXX. I have nothing to do with them or you anymore. Stop sending me bills. If you need to verify that I was refunded for my four treatments that did not work and my " contract '', determined by them, has been cancelled - call them. They sent me a letter but no proof of contract and neither have you. I have no money and I owe no money. It's now between you and XXXX. As far as I'm concerned, I have no more to do with either of you and paid my dues. Leave me alone or I'll get the ADA involved for you dismissing my medical documentation.
01/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 380XX	Web
I took out a loan with Greensky in XX/XX/2019 in the amount of {$56000.00} for a construction project. After 29 months of consistent payments the balance is only down to {$46000.00}. My payments each month are {$880.00}. The merchant that originally connected me with Greensky told me the interest rate was 9.99 %, but 50 % or more of my payments are going toward interest and not principal. According to their site, I have now paid {$11000.00} in interest and only {$9700.00} in principal. Clearly that is not 9.99 %. If I had a clear understanding of how this loan was going to work, there is no way I would have agreed to this. I was mislead by Greensky as well as the merchent that connected me to them.
09/10/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90046	Web
Hello- Our house had a sewer breakage. We had a plumber repair the damage and recommended a financing option- GreenSky. He said we could pay it over 12 months with ZERO interest. We proceeded and got the loan. I have proof that I have been trying to make payments. 1 ) First payment XX/XX/21. Then it was FAILED and returned to me on XX/XX/XXXX. 2 ) 2nd time- XX/XX/21. I called this time and explained. Then on XX/XX/21 FAILED and returned to me. Specifically I called and talked to a teller who promised she would process payment. This company is fraudulent and rejecting payments to charge interest. I will also file a complaint with the XXXX but I think one should investigate this company.
05/28/2020	No	Credit card or prepaid card Store credit card	Closing your account Can't close your account	OH 431XX	Web
Below is what I sent to the company by email on XX/XX/2020 and also by certified mail on XX/XX/2020. " I called and requested a payoff amount for my account on XX/XX/2020. I was provided the figure of {$20000.00} to pay my balance in full. I then went to my bank and got a cashiers check made in the amount of {$20000.00} and mailed it to you. You cashed the check on XX/XX/2020. I recieved a bill this month for {$180.00} my account should be paid in full and closed. I called and asked for the payoff and then promptly sent you the check for that amount. Please rescind these charges and close my account '' They have not addressed the issue and continue to bill me and charge more interest.
04/11/2019	Yes	Credit card or prepaid card Store credit card	Improper use of your report Reporting company used your report improperly	TX 75035	Web
On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.
01/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AZ 85382	Web	Older American
GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. It took over a month to have the account XXXX out. GreenSky still shows the account as available on their site. Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89044	Web
On XX/XX/2019 Greensky Financial accessed my credit report and placed a hard inquiry on my credit report without my authorization, I did not seek credit from this company and I have never sought a line of credit from the company ; I did not give my social security number to this company and I did not authorize the company to apply for credit on my behalf ; The XXXX website advised me to report the fraudulent activity to my local police department and the social security administration which I will do along with filing a report with the XXXX and State Attorney General 's Office of GA, I will have to retain an attorney which will cost a retainer fee of {$1500.00}.
10/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web
XXXX XXXX sold me an HVAC for my home. As part of the sale and installation, they made clear they would service my unit for the first year of ownership at no charge. The first year went by without a visit as promised by the merchant. When I contacted them to inquire, they demanded a XXXX payment for the service. I subsequently made arrangement with an alternate vendor to service the unit. Following the service, I was informed the unit had in fact sustained irreparable damage due to the lack of consistent maintenance. I was registered with Greensky to make monthly payments by XXXX. I complained to XXXX although nothing has been done to rectify the problem.
01/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78229	Web
XXXX XXXX XXXX ( XXXX XXXX ) owes me a refund of {$8700.00}. This is due to them telling me to apply for additional loans from other banks. XXXX XXXX agreed that they had received an excess of {$8700.00} and that this amount would be credited to the account that was opened with GreenSky, a creditor. I have been corresponding with GreenSky and they have indicated that no refund has been received and that because of the nature of their relationship with XXXX XXXX, any such credit needs to be sent to me directly to me to deposit and make a direct payment to the account. XXXX XXXX XXXX is unresponsive and GreenSky is in essence not helping me recover the overage.
08/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 522XX	Web
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX and XXXX credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.
08/23/2018	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	NY 125XX	Web	Servicemember
On XX/XX/XXXX we contracted XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and repair our basement and garage floors and walls for {$29000.00}. On XX/XX/XXXX we applied for financing with Greensky LLC XXXX XXXX XXXX, XXXX GA. The project not being completed XXXX XXXX XXXX XXXX XXXX collected {$26000.00} from GreenskyLLC with out authorization from XXXX XXXX. We had other means of payment in place at this time, also the contract price was reduced to {$24000.00} by XXXX XXXX of inconvenience of job not being completed properly and was not mostly corrected in XX/XX/XXXX and was refused servicing after we found a wet floor in the garage XXXX and XX/XX/XXXX.
04/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46226	Web	Older American
I hired a firm to install a door in my home. The salesman offered financing through XXXXGREENSKY. I was not sure I wanted the financing. I was told I could apply for it and change my mind within a short period. Three days I believe. I applied but changed my mind the next day. The salesman acknowledged I could pay the cost through my personal credit card instead. Later I was suprised to see XXXXGREENSKY appear on my credit report with a balance outstanding. I asked to have the item removed from my credit report, and XXXXGREENSKY refused. Incidentally, the firm failed to install my door, so I do not owe anything to anyone for this project
11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93535	Web	Older American
smile dental applied and received a high interest loan in my name without my signature or my permission, I only gave Greensky permission to access my credit score, I was led to believe for several months during the procedure that i was receiving the service that i had requested, during this time I made a total of 7 payments in the amount of {$750.00} each. I was told that my total payments would amount to XXXX for the services that i had requested, I after receiving services other than what i had requested, I was made award that the total was XXXX I never signed any contract via XXXX never agree on any type of interest rate whatsoever
03/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
I have been a victim of identity theft. Someone has gain access to all my computer files and personal information. They have frequently open accounts in my name for loans and credit cards that are fraud. I did not authorize or open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts were opened between XX/XX/XXXX to most resent XX/XX/XXXX with XXXX, XXXX, and XXXX. I want these removed as soon as possible. I did not authorized these accounts to be started or open. Nor did I seek loan from these companies.
09/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32714	Web
I recently opened an account with XXXX. Shortly after opening the account, I paid the balance off in full. I recently pulled my credit report and discovered XXXX is still reporting the account to the credit bureaus with almost the full balance. I filed a dispute through the credit bureaus advising them and XXXX that the account was paid in full. XXXX responded by denying that the account was paid in full. Because of XXXX 's response, the credit bureaus refuse to update or change my credit report. This is causing damage to my credit because it inaccurately reflects a debt owed during a time that I am trying to purchase a home.
06/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 33496	Web
GreenSky provided a loan for XXXX XXXX to perform medical procedures which were performed on joints that can not be fixed. I have contacted GreenSky several times about my issues with QC and their unfair and illegal sales tactics. GreenSky refused to help and violated my rights as a consumer to dispute the charges and said if I dont pay they will ruin my credit. The interest rates are higher than advertised and are all front loaded. There have been many complaints against GreenSky and taking advantage of vulnerable situations. GreenSky has not answered a single message or email as I have emailed them 4 times since XXXX.
02/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80922	Web	Servicemember
We have a loan for our kitchen remodel through XXXX XXXX. Since XXXX of XXXX, we had been locked into the auto-pay system. In XXXX of XXXX, their system did not take our payments and we were not properly notified. My wife ( XXXX XXXX ) called in XXXX of XXXX after noticing the payment was not taken out that month. From what i remember, they told her there was an issue with their system and they needed a new payment method. No fault on our end. When asked if they could help take back the negative strikes on our credit, they said there was nothing they could do. Our credit scores dropped about 50 points after this event.
07/16/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	PA 190XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX REQUEST FOR INFORMATION TO ORIGINAL CREDITOR This is a notice of request information. Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The XXXX XXXX disclosures Date of First Delinquency I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address stated above Sincerely, XXXX XXXX
02/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30907	Web	Older American, Servicemember
our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 91405	Web
XXXX XXXX XXXX is reporting 30 day late payments, XX/XX/XXXX, XXXX & XX/XX/XXXX in the amount of XXXX to certain bureaus and paid on time to others. Which two those payments were made on time, and returned although funds were in my account. My XXXX payment i was unable to make payment because i could not access their online payment center, and after calling numerous times and not getting any answers to my issues, i was finally told weeks later by a supervisor that that had " recently switch something with their online service and my account had not been switched over ''. Thus resulting in a 30day late payment.
03/03/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX XXXXX	Web	Older American, Servicemember
On XX/XX/2022 a fraudulent plumbing contractor in XXXX, Texas, obtained over {$8000.00} from GreenSky by setting up an account in my name. When I discovered that I had been defrauded, I informed GreenSky in writing, on XX/XX/2022 not to release any money to the fraudulent plumber. However, in XX/XX/2022, GreenSky paid the fraudulent plumber and began trying to collect the money from me. Although I attempted to communicate with them, they have refused to cooperate despite their so-called client 's bill of rights. They are now demanding that I make monthly payments on the debt they created against my will.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28078	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
10/16/2020	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I filed a complaint against GreenSky, the complaint has now been closed, however in the complaint they agreed that I was owed money and credited my account, however I was not refunded and because I did not want to incur additional charges I paid them in full. I believe this disputed amount which they sent a bill showing the credit, should be refunded to me. When I called they advised they XXXX the account due to payment In full and the account is now closed. However since they agreed the disputed amount should be credited to my account I am not understanding why they have not refunded me.
03/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46140	Web
XX/XX/XXXX I spoke to 2 " supervisors '' at Green Sky and asked for their help regarding not paying the ridiculous interest charges. I offered them {$10000.00} plus what I've already paid & to close the loan. The original loan was less than XXXX and I've already been making monthly payments of over {$350.00} since XX/XX/XXXX which is when the interest started. I was informed the amount if not paid in full would only have interest charges of a couple XXXX now they are including finance charges on top of the interest. I've been in hardship since XX/XX/XXXX when I was hospitalized with XXXX
02/24/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CA 91302	Web
I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. Is it really possible they would mail out a statement coupon with the wrong address?
08/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30135	Web
I recently needed to have my XXXX XXXX XXXX due to them being 20 years old. I went to XXXX XXXX. They recommended greensky because they said insurance would not cover it. Mind you they did not file a claim with the insurance. Anyway they got all my personal information and applied the credit. The procedure was to cost XXXX. I was approved forXXXX. Well apparently Greensky allowed XXXX XXXX to charge up the entire balance of XXXX leaving a XXXX balance. When I called to refute the extra charges they pretended to not know that happened and said they couldnt do anything.
01/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web	Servicemember
I was approved for a line of credit in the amount of {$20000.00} from XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. The line of credit was to purchase custom window on XX/XX/2017 from XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX. There were issues with the original contact, I contacted XXXX XXXX, did another contract which changed the total price. I called Greensky to cancel my contact, I also called and physically went to XXXX XXXX to cancel my contract as well. The following week I received a bill. I have all documentation and correspondence with both companies.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90277	Web
GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX will not remove this account from my credit report without a written statement.
12/02/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 981XX	Web
I was told that I would have a XXXX XXXX interest for the first 6 months of my loan. I have documentation that says I would have XXXX XXXX interest for the first 6 months. I am asking the company to provide the recording of the call where I agreed to the finance terms to try to verify if the company ever informed me of the change in interest rate prior to signing the document. They have refused to offer the call recording that we had where I was told about my interest rate. This very much feels like a predatory bait and switch from this loan company.
07/07/2021	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 92860	Web
On XX/XX/2021 entered into contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. They offered me a no interest loan with Green Sky, XXXX XXXX XXXX, XXXX, Ga XXXX. The offer was for 0 interest for 12 months. My contract with XXXX XXXX XXXX XXXX states that final payment would be due at substantial completion of projects. XXXX XXXX & XXXX charged my Green Sky loan on XX/XX/2021. I immediately called Green Sky and told them that charges should not be made because I did not authorize payment and I had not received merchandise.
02/18/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 33618	Web
Back in XX/XX/2018, I went to XXXX XXXX XXXX XXXX. They told me to use Green Sky for credit to sign up for the program. They contacted Green Sky ( XXXX XXXX XXXX XXXX ) and over the phone signed me up for credit. I never saw the original contract I was signing nor did anyone tell me at the time that they were going to charge me more interest than the loan was for. As you can see from the attached, I had a credit line of {$3000.00} and they want to charge me over {$6000.00} for the loan. I think this is absurd and unfair credit practice. Please help.
10/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 142XX	Web	Older American, Servicemember
XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then. All I want to know did you grant me the {$3000.00}. or something close to it? Thank you, XXXX XXXX XXXX.
09/14/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30296	Web	Older American
I did a home improvement and it was financed through GreenSky. I have since learned that their practices in Georgia were illegal and that the loan which was approved in my living room and went directly to the merchant was an illegal practice. This loan originated in XXXX of XXXX for the amount of {$15000.00}. The merchant was XXXX XXXX. According to your agency GreenSky was fined and ordered to repay customers. I believe I was also a victim of these illegal practices and want to find out if I have any recourse. Account XXXX XXXX XXXX
01/06/2020	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Problem with customer service	FL 33578	Web
GREENSKY were fraudulently and falsely reporting late payment even though i have setup automatic eft from my checking account Automatic payment setup completed at dentist office on XX/XX/2019 Automatic Payment setup with GReen sky on XX/XX/2019 over the phone arounfd XXXX XXXX Green sky false fully did not start EFT due to their internally problem and now They are reporting late payment to my credit report I have paid all, y payment on time and account is in ontime -- although they are reporting fasle information to XXXX and XXXX
06/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NM 875XX	Web	Servicemember
Someone from XXXX XXXX XXXX came to our home and asked to do a evaluation of our bathroom and see if we qualified for a bathroom remodel. They gave us paperwork on a quote of what it would cost and asked us to sign it. Six months had elapsed when we received a call from GreenSky advising we had defaulted on our loan and it was now due in full {$20000.00}. We advised GreenSky that we had not received nor had we ever signed up for a loan with them. We never received any paperwork or any services from XXXX XXXX XXXX or GreenSky.
12/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 95336	Web
Greensky has close to {$90000.00} of money that they owe us in a " reserve '' account that they have had for over a year. They will not tell us when this will be released and how we can get these funds. We have a mutual customer that is trying to payoff their loan with Greensky but they are trying to make us send them more cash when they already have a significant amount of money that they owe us. Because of this our customer is not able to pay off his loan and Greensky will not respond with a fair solution.
08/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32246	Web
Last year, I filed a complaint with the CFPB for a Rooms to Go debt that was agreed to be settled and paid. The amount originally owed was {$300.00}. The amount was settled for less than the amount owed. See the attached. Also, please reference the CFPB complaint from last year. However, this debt is still being reported to XXXX and XXXX, but as a delinquent charge off for a {$3000.00} credit line, which is entirely inaccurate. Additionally, they have an old address for me, which is also inaccurate.
02/27/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80526	Web	Servicemember
Green sky shows a balance on my account of the ORIGINAL purchase amount plus the DEFERRED interest amount. When asked about this, the representative stated " Well, sir, everyone 's account is that way. '' In short, even though it says I have 24 months of a promo period, how can I be sure they will abide by that when " deferred interest '' is literally, already being charged to my account? They refuse to change it and, in fact, hung up on me on my last call to them at XXXX this morning when I called.
08/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08060	Web
I filed bankruptcy in XX/XX/XXXX. I took out the loan with Greensky in XX/XX/XXXX. During the entire bankruptcy, I made timely payments to Greensky, never missing a payment. In XX/XX/XXXX, we paid off the loan in full which was 7 years early ( loan was a 12 year term and was paid in 5 years ). My mother was originally impacted on her report but was eventually fixed by Greensky. This loan was reaffirmed as payments were sent from my checking account ( ending in XXXX ) each month for 5 years.
10/19/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48910	Web
GreenSky , LLC keeps harassing me to pay them money I don't owe. I got 4 laser treatments for {$50.00} a session and GreenSky is trying to suck $ XXXX from me. I paid well over $ 1k for treatments I couldn't get. Due to my compromised immune system I couldn't even get treatments because they were for my face. I am still getting bills although I already paid for my 4 treatments. I get a XXXX check to live off of and GreenSky is trying to ruin my life. They are discriminatory as well as greedy.
05/26/2019	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 43230	Web	Older American, Servicemember
On XX/XX/XXXX this year I got a credit report that Greensky opened a line of credit in my name. I contacted Greensky on XX/XX/2019 XXXX XXXX/GREENSKY Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and they said that some construction company opened the account in my name. I said I did not give anyone permission to open an account in my name. And furthermore .I did not give a company permission to conduct business electronically with me. Greensky said they could care a less about that.
10/24/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 90620	Web
I signed a loan/contract for home repairs with a contractor that subsequently caused damages to my property and did poor quality work in some areas. When I filed a complaint with the finance company they were provided all the necessary details, ex. contracts, pictures of the damages etc. and a complete write-up of events. However, they have since closed the complaint without providing me the investigation results/report or any recommendations to recoup my losses from the contractor.
10/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 344XX	Web
My sister obtained a loan with me as the co-signer to have her water pipes replaced. The job was not properly completed and caused extensive damage to her home. She settled with the company for a reduced payment amount and paid the settlement amount in 2019. The loan shows as paid on her credit report but then greensky put a collection for the remainder of the loan in my name and refuses to provide payment history, original loan paperwork or settlement documentation
04/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48220	Web	Older American, Servicemember
In XX/XX/XXXX I had a new roof and gutters put on my home by XXXX XXXX remolding, It was financed through XXXX. As of today the job is not completed. The city of XXXX has not approved the roof. The contract states that the job has to be completed with in 90 days, I gave XXXX a year, Called them weekly to get them to finish the job. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX. Also the forged my name and my wifes name to papers stating that we signed off on the job!
06/13/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91405	Web
Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.
02/17/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30736	Web	Servicemember
In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. The company has not explained this well and I am confused by their billing practices.
12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54901	Web
I received notification that there was a hard inquiry from Greensky. We had a remodeling quote recently done and when I asked, we were clearly informed it was going to be a soft inquiry and will not ding our credit report. Now it shows as a hard inquiry on my account! I did not consent for a hard inquiry. We didn't even go through with the renovation. This should be deleted because this is completely unfair, we asked and was told something else different.
09/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NC 270XX	Web
With reference of my previous complaint, XXXX The same loan Greensky is closed, however they are charging monthly fees, and calling and threatening they will report to credit bureaus. Already they reported as part of retaliation it actually impact my payment history. Last time didn't see a response from CFPB, so I called and enquired CFPB by the time the response window was over. IF CFPB is unable to support me then what other options do I have?
07/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19702	Web
I have sent written request on multiple occasions tog the XXXX XXXX XXXX XXXX XXXX XXXX requesting VALIDATION of a debt that is listing on my credit file, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). THD failed to validate the debt after multiple attempts to resolve this issue. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character.
08/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA XXXXX	Web
I contacted green sky when COVID-19 affected my income. I was granted a forbearance, and upon the end of they I contacted green sky to let them know my heart ship. They said they can and will work with me on obtaining one payment. I borrowed the monthly payment they asked for, made the payment, and the forbearance was never granted. They only applied my previous forbearance as late payments to my credit file and add late fees to my account.
04/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	CT 06513	Web
Home improvement loan with GreenSky. Work completed and XXXX XXXX XXXX submitted bill to GreenSky XXXX week in XXXX. I received 1st bill on XX/XX/2020 listing statement for period ending XX/XX/2020. Loan states no prepayment penalty. I called to verify the loan balance and was told that though the loan was for {$28000.00} my payoff amount is {$28000.00}. How can interest be charged if I am paying off the entire loan with the 1st statement?
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 75060	Web	Servicemember
Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
08/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60302	Web
We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX
07/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web
Green Sky is false reporting to the credit agency that my account is still open and I that I have a balance. I do not have a balance with this company and this account is paying in full they keep reporting to the credit agency like i've only made one XXXX payment which is not true the account is paid in full and should reflect that. I filed several disputes and they keep lieing to the credit agency. They need to fix or face legal action.
07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84405	Web
XXXX/Greensky # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
05/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75077	Web	Older American
We refinanced our home and got extra cash to pay off all other debts. We continued to pay while the work was in progress. The last statement says we were to receive a check for the amount left in the account of {$580.00}. We did not receive the check and have called several times. They said they would send it but never did. This is the third of three accounts that did the same thing. The other two were XXXX XXXX and XXXX XXXX XXXX.
05/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32246	Web
Toward the end of XX/XX/2020, I called GreenSky to settle an account that I owed {$300.00}. This was for a Rooms to Go account. They agreed to legally settle and update the account status to legally settled for {$160.00}. They accepted the funds, and reported to the credit agencies that the debt remains. On XX/XX/2020, they emailed a misleading pay off letter stating that they forgave in excess of {$600.00}, and the debt remains.
08/20/2018	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	TX 75048	Web
I was approved for 12 months zero interest. However, I was charged 24.99 % monthly revolving interest rate on {$5700.00}. I was charged interest. My total balance did not reduce by the total monthly payment on XX/XX/2018. My monthly statement indicates interest was charged and my total balance reflects that charge of interest. This is misleading and confusing, because the promotion was for zero percent interest for 12 months.
03/05/2016	Yes	Credit card	Billing disputes	FL 33176	Web
I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.
01/28/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA XXXXX	Web
On XX/XX/2019, I mailed a cease and desist communication certified letter to XXXX XXXX XXXX Project Loan Department. On XX/XX/2019, the document was delivered to their office at XXXX XXXX. On XX/XX/2019, and XX/XX/2019, their company violated the Fair Debt Collections Practicing Act by calling me. I have attached a copy of their incoming calls, cease and desist letter, and other pertinent documents to this complaint.
03/15/2016	No	Consumer Loan Installment loan	Managing the loan or lease	MO 631XX	Web
I requested that Home Depot XXXX provide me with business records relating to my account. I requested the information XXXX XXXX, 2016 in writing. I contacted Home Depot on XXXX XXXX, 2016, to inquire about the documents that they had 30 days to submit. I spoke with XXXX XXXX and XXXX in the customer protection department, they XXXX stated that they do n't have to provide me with any forms of verification of the debt
05/19/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34293	Web
Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!
01/27/2021	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	MI 481XX	Web
in XXXX i applied for a Home Depot Credit to have my kitchen renovated. I was declined, but I have over a 700 credit score low balance on all my cards and make over {$100000.00} a year for the last 5 years. I do not fell I was declined because of my credit, but for other reasons. If it happed to me, it may be a way of business for home depot and it should be investigated. Are they declining people based on race?
08/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34655	Web
I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.
04/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90048	Web
This lender is usuriously charging interest on this loan, after paying 3x min payment for a year my balance has only gone up. When I signed a contract with them they obligated it would be 18 months no interest. Upon checking records I am paying 40 % interest for every 100 % payment made, meaning the APR is very illegal in the state of California and what this company is doing violates multiple lending laws.
11/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	UT 847XX	Web
I applied for a solar loan through GreenSky in the amount of {$40000.00}. I was not approved for the amount applied for. The amount I was approved for was {$15000.00}. I did not accept this amount and canceled out of the online loan application. I was never contacted for approval on the different amount. I then received loan documents with an account created in the amount that I did not authorize.
03/02/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TN XXXXX	Web
A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.
03/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 20110	Web
Requested enter detailed information for pre-qualification. Told I am approved for up to {$7500.00}. Gave me a link to finalize application and offered me simply {$1000.00}. Asked how such a MAJOR discrepancy can occur. Offered no value explanation. Problem is final decision was based on same information as pre-qualification. Yet gjve two dramatically different credit approval amounts.
01/30/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	PA 15235	Web
Incorrect payment information. Use coupon book provided to pay XXXX payments at {$130.00} beginning XX/XX/XXXX and XXXX payment at {$130.00} due XX/XX/XXXX. Received email stating I owe XX/XX/XXXX payment which was paid XX/XX/XXXX. Called went over every payment from # XXXX due XX/XX/XXXX to last payment made # XXXX on XX/XX/XXXX with no resolve. Have all my cancelled checks for proof.
01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89178	Web
I noticed a hard credit inquiry made on my XXXX credit report by " Greensky Installment '', XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, on XXXX/XXXX/2021. I did not make this request nor did I allow my credit report to be pulled. XXXX is useless in disputing this as they do not have an online dispute option for inquiries, and their phone line can never connect to a live person.
04/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60619	Web
Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95111	Web
I finally logged into my XXXX yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
10/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	GA 30214	Web
Greensky credit keeps sending out mailers and emails saying we are late every month. I know otherwise we have numbered envelopes for the money orders. It has payment amounts and dates of payment owed. We are paid up until XX/XX/2021 we have not been late. They are committing fraud and cashing those money orders. They are saying were late. My cell phone is XXXX XXXX XXXX.
06/01/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29212	Web
Greensky a cct # XXXX GreenSky will not supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.
09/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33442	Web
I've contacted Greensky several times requesting an amortization schedule for my loan and their representative XXXX XXXX no surname ) refused to provide and refused to allow me to speak to her superior. XXXX Customer Solutions Account Manager Office : XXXX Ext. XXXX Monday to Friday : XXXX XXXX to XXXX XXXX I WOULD LIKE TO HAVE AN AMORTIZATION SCHEDULE FOR MY LOAN
10/23/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70117	Web
This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account. This requires constant vigilance and calls to them.
01/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 94040	Web
In 2019 I bought a monthly service with XXXX and was not aware that they signed me up with a loan by GreenSky. They took my SSN and didn't tell me that this was a loan. Instead, they told me that this was a monthly payment. Until recently I just found out it's a loan and it's charging me 27 % interest rate. The original amount was 3000, and the interest is 2000.
09/17/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 217XX	Web
After a repeated string of calls over the past few months, especially since COVID. on XX/XX/2020 GreenSky decided to call me 6 times in 4 hours, once 10 minutes apart at XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I understand this is a debt I owe and plan on paying when I can get back on my feet, repeated calls aren't the answer and won't get me to pay sooner.
10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75126	Web
This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. XXXX was provided with a letter I received from Greensky stating the loan was paid. I also have proof showing Greensky was who deducted the FULL payment from my bank account.
07/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 705XX	Web
twice in less than a year my account was locked out when I tried to pay. ID 7 Password saved on computer and still won't accept. Their password link doesn't accept the answers forcing me to make a several minute call to get cleared up. I pay more than asked for and they aren't making enough ... ..I guess. They make it very difficult to make over payments.
07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44130	Web
Hello. I received a letter from Greensky dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. This amount is on my credit report and should not be as it is not mine. Please help! Thank you
08/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 12866	Web	Servicemember
I went into XXXX XXXX to discuss getting a procedure, they told me I could get financing and that Greensky would finance it at a low rate. After I started paying off loan, two years later I still am making payments. The interest rate was ridiculous, I am paying double the loan amount. That was not explained to me in the paperwork.
01/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 55068	Web
They are not applying my payments timely, then sending texts and emails stating missed payments. They will likely attempt to report negative to my credit report. I notified them of payment had been made timely, and they simply repeated that they do not have my payment, despite having proof of payment, with confirmation number.
07/15/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.
10/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AK 995XX	Web
Starting XX/XX/XXXX 2 days after my payment is due Myself and spouse continue to receive 3 calls a day each Monday through friday. I also received 1 call on each Saturday since. My spouse explained we would pay as soon as he got paid in 2 weeks. They have continued to call myself and spouse 6 times each weekday since.
10/19/2016	No	Credit card	Arbitration	CA 95677	Web
Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. the account. I received a letter today that they without permission opened the account and charge me XXXX. Please contact me regarding resolving this issue, XXXX XXXX XXXX
06/27/2016	Yes	Credit card	Billing disputes	CA 95677	Web
I was fraudulently charged for construction services thru greensky. When I contacted them they " reversed charges '' but later changed stating they could not get funds thru the construction company. I have written and emailed greensky for over 3 months and no return email or call. Please contact me. XXXX XXXX XXXX
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94605	Web
I had identity theft and this company was listed on my credit report and they refuse to remove it. The balance now is {$3200.00} and its reporting on my XXXX credit report and has been showing since 2019. I filed a police report with the XXXX Police Department The company name is XXXX XXXX XXXX GreenSky acct # XXXX
01/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV XXXXX	Web
I made a one-time final payment offer to the XXXXXXXX program solution. It was done with XXXX agency. They called XXXX and made the final pay-off total for the XXXX loan. The price and close-out charges were sent by me to XXXX. Now, I have been told that I have a balance due amount. I totally disagree.
03/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11220	Web
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company Home Depot & credit bureaus including XXXX. They have yet to remove a fraudulent hard inquiry on my credit report known as the/XXXX inquiry from XX/XX/2020.
09/26/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 95969	Web	Older American, Servicemember
I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.
12/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 741XX	Web
I applied for a loan from Green Sky loans for {$20000.00} for XXXX XXXX XXXX XXXX " XXXX '' to Replace my roof in XX/XX/2015 however XXXX did not have me sign anything from green sky to authorize release of funds to XXXX to date the roof is not repaired and continues to leak.
04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14304	Web
Creditor includes interest amount into balance, when interest is deferred under promotional financing. There is no separation of the amount owed and the deferred interest. All you get is the total balance. Creditor refuses to acknowledge dispute on account.
01/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 313XX	Web	Servicemember
I contacted Greensky on XXXX XX/XX/XXXX and provided the documentationed they requested on XXXX XX/XX/XXXX. I have not received any communication from them since then. I emailed my contact at Greensky on XXXX XX/XX/XXXX and have not received a reply.
12/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32835	Web	Older American
I obtained a loan for 0 % interest in XX/XX/2020 for 1650dollars for 12months and payed it off in 8 months. I sent in finance charges monthly for 8 months. The loan was 0 % .The company changed the amount to {$1800.00} after I sent them 1650.
04/15/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MI 49508	Web	Servicemember
I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.
12/15/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30311	Web
XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91406	Web
NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.
02/17/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MD 207XX	Web
Greensky tells me that I owe them {$0.00} and that my account is closed. See attached documentation. Despite me not owing anything on this loan, Greensky is still reporting to the Credit Bureaus that I owe {$7300.00}.
11/17/2022	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	CA 92027	Web
Approved for XXXX XXXX XXXX XXXX up to {$15000.00} on XX/XX/22 for a promotional period of 6 months. No card received, unable to use loan amount as of XX/XX/22. Thats is a XXXX of the promotional period amount.
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 751XX	Web
For more than a week now they have called everyday sometimes 3 times a day. I have told them I ca n't pay, I have no money coming in. What money I have is to pay utilities, and do not call back.
05/12/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48910	Web
Greensky keeps harassing me, although I told them to stop contacting me. I've had to block their calls and they keep sending me mail although I asked them 2 months ago to charge off my account.
10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19702	Web
Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.
07/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89123	Web
applied for laser loan and was told i would get no interest for 2 years. been making my payments as agreed and i just notcied that theres interest being charged from day one.
06/05/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 92394	Web
The load is suppose to be cancelled, but now they claim there is still a balance. When ask on how they made their calculation, they refuse to provide any information.
08/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	IA 503XX	Web
I keep getting harassed calls. They are calling family members and friends Ive lived with. Calling XXXX times a day. I sent cease and desist letter to green sky loans
08/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 302XX	Web
I have attempted to dispute a transaction because the transaction was submitted without my signature or authorization. However, I am getting the run-a-round.
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30122	Web
Greensky Financial Obtained a copy of my credit report on XX/XX/2019 without my permission. I did not authorize this company to obtain my credit report
09/13/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	MD 21157	Web
Greensky credit is making unauthorized withdrawls from our checking account from the zero interest loan for a purchase of windows through XXXX XXXX.
11/15/2022	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	TX 761XX	Web
I try to open an acct and it want let me says they can't verify my identity I look on XXXX and there's a bunch of inquiries thT I didn't do
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 199XX	Web
Neither XXXX or greensky has made adjustments to my account. They are still reporting that I owe a balance which is false information.
02/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	GA 30316	Web
I got a police report like they asked me to. That still didnt help. They keep closing the investigation and reporting it to my credit.
07/30/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CO 808XX	Web	Servicemember
They are extremely rude on the phone and hassle me at all hours of the day. Starting from XXXX XXXX to XXXX XXXX or earlier or later.
08/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NV 89122	Web
I was charged for services through XXXX that were never delivered but werte charged to a loan account in my name through GreenSky
02/18/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IN 464XX	Web	Servicemember
XXXX XXXX company summit and application without my consent to a Greensky with fraudulent signature.
10/16/2015	Yes	Mortgage Home equity loan or line of credit	Settlement process and costs	AZ 85286	Web
Unable to receive any monthly statements for a loan that I opened in XXXX 2014
04/29/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have filed a complaint with XXXX and it has been well over 30 days.
10/15/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NJ 078XX	Web	Servicemember
They claim my credit score is below 700, when actually it is above 710
10/24/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30141	Web	Older American
Charging in excess and repeated calls saying I am late when I am not
07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30034	Web	Servicemember
I did not authorize a hard pull on my credit profile.
11/29/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48198	Postal mail

11/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TN 37160	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54981	Web

10/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72204	Phone

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11224	Web

10/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75126	Web	Servicemember

10/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 34288	Phone	Older American, Servicemember

10/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29615	Web

10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45204	Web

10/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34957	Web

09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92648	Web

09/23/2022	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76051	Web

09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19144	Phone	Servicemember

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46805	Web

07/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NC 27574	Web	Servicemember

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29720	Web

06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MO 64056	Phone

06/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46825	Phone	Older American

06/09/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	NY 11752	Phone

06/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33055	Web

06/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web	Older American

06/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33570	Phone	Older American

06/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30088	Phone	Older American

06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77407	Web

06/03/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77375	Web

05/19/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30006	Web

05/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30228	Phone

05/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 10301	Phone	Older American

05/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32311	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90029	Web

04/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33777	Web

04/25/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Unexpected increase in interest rate	OH 45005	Phone

04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07065	Web

04/22/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 76108	Web	Older American

04/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30144	Web	Older American

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33126	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94401	Web	Servicemember

03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91308	Referral

03/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 77571	Referral

03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60641	Web	Older American

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	MD 21837	Web	Older American, Servicemember

02/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KY 401XX	Web

02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33013	Web

02/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 37923	Phone

02/16/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85374	Phone	Older American, Servicemember

02/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OK 74014	Web	Older American, Servicemember

01/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 45324	Referral

01/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	FL 33311	Web

12/29/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11210	Web	Older American

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95660	Web

12/09/2021	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 10466	Web

12/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 54467	Phone

12/02/2021	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	MD 20833	Referral

11/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06320	Web

11/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MA 02066	Web	Older American

10/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 24555	Web

10/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	NY 10562	Referral

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OR 97218	Web

10/05/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 10562	Postal mail

09/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

09/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94582	Phone	Older American

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44512	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 12306	Web

09/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 38642	Phone	Older American

08/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75043	Web

08/19/2021	Yes	Credit card or prepaid card Store credit card	Trouble using your card Can't use card to make purchases	DE 19720	Web

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Phone	Older American, Servicemember

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62221	Web

08/17/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MN 55118	Web	Older American

08/13/2021	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 92648	Phone

08/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 30288	Web	Servicemember

08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 91761	Web

07/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30909	Web

07/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WI 53005	Web

07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10026	Web

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89115	Phone

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78503	Web

07/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70791	Web

07/14/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 23464	Web

07/13/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 302XX	Web	Servicemember

07/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92336	Phone	Older American

07/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NC 28209	Web

06/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Postal mail

06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 11590	Phone

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85225	Web

04/28/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	NC 27501	Phone

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23223	Web

04/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90274	Postal mail	Older American

04/15/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	VA 22032	Web

04/01/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92663	Web

03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75231	Phone	Older American

03/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92101	Web

03/12/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 22041	Web

03/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 91040	Referral

03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33401	Web

03/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect		Phone

02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28269	Web

02/24/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	UT 84094	Web

02/23/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	OH 45237	Web

02/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33064	Referral

02/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 80215	Phone	Servicemember

02/01/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33880	Phone	Older American, Servicemember

01/31/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11210	Web	Older American

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 206XX	Web

01/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32708	Referral	Older American

01/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 36551	Phone	Older American

01/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 04102	Web

01/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NJ 07885	Web

01/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38379	Web	Servicemember

01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10805	Web

01/04/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 80215	Phone	Servicemember

12/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	TX 77494	Web	Servicemember

12/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 11413	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32507	Web

11/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web

11/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	OH 43204	Web

11/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93030	Referral

11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89052	Referral

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89052	Fax

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75287	Web

10/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95678	Referral

10/20/2020	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NJ 08016	Web

10/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95678	Referral

10/16/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85705	Web	Older American

09/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

09/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	34120	Phone

09/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 60449	Web	Older American, Servicemember

09/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30115	Web

09/16/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 90295	Phone

09/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95350	Phone

08/26/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	WI 53711	Phone	Older American

08/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	PA 18067	Referral

08/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93013	Web	Older American

07/20/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 836XX	Web	Older American

07/18/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92074	Web

07/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 92308	Postal mail

07/18/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MD 20874	Referral

07/14/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	PA 15137	Web

07/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	FL 33180	Phone	Older American

06/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web	Older American

06/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34949	Web

06/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 93003	Web	Older American

06/09/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	TN 37801	Referral

06/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85374	Phone	Older American, Servicemember

06/04/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28173	Web

05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 47119	Web

05/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95841	Web

05/11/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 94565	Referral

05/04/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91914	Referral

04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48309	Referral

04/17/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web

03/24/2020	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NE 68123	Web	Servicemember

03/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75040	Phone

03/11/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75231	Phone	Older American

03/10/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 95621	Referral

03/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

02/26/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 93035	Phone	Older American, Servicemember

02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76134	Web

01/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60564	Web

01/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34653	Phone	Older American

01/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64133	Phone	Older American

01/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85233	Web

01/04/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AR 72076	Web

12/31/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 91423	Phone	Older American

12/30/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TN 37857	Phone	Older American

12/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan		Phone	Older American, Servicemember

12/18/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90703	Referral

12/04/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	WA 98074	Referral

11/25/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MI 48309	Phone	Older American

11/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone	Older American

11/13/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70301	Phone	Older American

11/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11542	Phone

10/27/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NV 89128	Web

10/22/2019	No	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	IL 60033	Phone

10/22/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 93551	Web

10/21/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web

10/10/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	GA 30673	Referral

10/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33967	Phone

09/30/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27520	Web

09/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30080	Web

09/20/2019	No	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 90710	Web	Older American

09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89044	Referral

09/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43119	Phone	Older American

08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89044	Web

08/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CT 06811	Referral

08/25/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with fraud alerts or security freezes	VA 22664	Web

08/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 08343	Referral

08/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34608	Postal mail	Older American

07/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect		Phone	Older American

07/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MA 02151	Referral

06/24/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75044	Postal mail

06/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85622	Web	Older American, Servicemember

06/17/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34212	Web

06/11/2019	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 90245	Phone

06/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MD 21208	Web

06/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	FL 34119	Postal mail

05/28/2019	No	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 61604	Postal mail	Older American

05/24/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92277	Phone	Older American

05/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CO 81504	Postal mail	Older American

05/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IL 60085	Phone	Servicemember

05/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA 94619	Fax	Older American, Servicemember

05/04/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93702	Web

05/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91745	Phone	Older American, Servicemember

04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33180	Web

04/08/2019	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	FL 34731	Phone

04/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11213	Postal mail

03/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	PA 18302	Web

03/26/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 28216	Web	Older American, Servicemember

03/26/2019	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	CT 06484	Phone

03/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 23666	Web	Servicemember

03/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90810	Web	Older American, Servicemember

03/04/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MI 48462	Phone

03/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33021	Web	Older American

02/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MA 01611	Phone	Older American

02/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12306	Web

02/14/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30092	Web

01/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 77388	Postal mail

01/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29671	Web

01/28/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	CA 91761	Web

01/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NE 68127	Fax

01/03/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 11385	Web

12/28/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33026	Web

12/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	KY 42211	Postal mail

12/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NJ 07009	Web

11/20/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 22192	Web	Servicemember

11/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 78232	Postal mail

11/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 90713	Phone

11/13/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90731	Postal mail

11/09/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 77429	Referral

11/05/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 31024	Web	Older American

10/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92881	Referral

10/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	GA 30337	Web

10/16/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MA 01756	Fax	Older American

10/11/2018	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	AZ 85704	Postal mail

10/10/2018	Yes	Credit card or prepaid card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 90002	Phone

10/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11580	Web

10/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	PA 152XX	Web

10/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34731	Referral

09/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85260	Web

09/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75023	Phone

09/04/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CT 06074	Phone

08/20/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48174	Fax

08/09/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CT 06074	Phone

06/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60707	Web

05/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	VA 23502	Referral

05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28715	Postal mail

04/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89110	Web

04/27/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10924	Web

04/24/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92123	Web

03/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27562	Web

03/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 90061	Referral

03/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33484	Referral

02/26/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80220	Web	Servicemember

02/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93638	Web

02/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93638	Web

02/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 93637	Web	Older American

02/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90064	Web

02/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PR 00730	Web

01/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NE 68046	Referral

01/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 14225	Web

01/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	FL 33573	Referral

01/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MN 55316	Referral

12/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	OH 45055	Postal mail

12/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92201	Referral

12/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08048	Web

11/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84096	Postal mail

10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	SC 29229	Web	Servicemember

10/05/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 20886	Postal mail

10/04/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75023	Phone

09/18/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76655	Phone	Servicemember

09/16/2017	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Problem lowering your monthly payments	GA 30041	Web

09/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92111	Web

09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29229	Web	Servicemember

09/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28031	Web

08/31/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32725	Postal mail

08/31/2017	No	Credit card or prepaid card Store credit card	Closing your account Can't close your account	FL 33706	Referral

07/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98077	Postal mail

07/25/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98338	Referral

07/24/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	FL 33317	Phone	Servicemember

07/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34105	Postal mail

07/14/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08048	Web

07/07/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33549	Postal mail

05/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92551	Referral

05/19/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92243	Web

05/16/2017	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MD 20720	Web

05/15/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 98043	Web

04/07/2017	No	Credit card	Credit determination	WA 98664	Referral

03/27/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 34744	Phone

03/21/2017	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	IL 61776	Web

02/17/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OH 44118	Web	Older American

02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NM 87043	Web

01/26/2017	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	TX 75241	Web

01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77381	Web

12/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WI 54020	Web

12/08/2016	Yes	Credit card	Delinquent account	LA 70184	Web

10/16/2016	Yes	Credit card	APR or interest rate	NJ 07430	Web	Older American

10/15/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	FL 33428	Web

10/05/2016	No	Consumer Loan Installment loan	Managing the loan or lease	PA 19438	Web

09/27/2016	Yes	Credit card	APR or interest rate	GA 30161	Phone	Older American

08/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 91710	Web

07/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78266	Referral

07/19/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34689	Referral

07/09/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 95815	Phone

06/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98682	Web	Servicemember

06/15/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 92111	Web

05/26/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 355XX	Web

05/20/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	TX 78666	Referral

05/17/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 22903	Referral

04/12/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	AZ 86303	Phone	Older American, Servicemember

04/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32259	Web

03/11/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	WA 98103	Web

03/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77099	Phone

02/22/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	NY 11793	Phone

02/01/2016	Yes	Consumer Loan Personal line of credit	Managing the line of credit	CA 90272	Postal mail

01/17/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	IL 60089	Web

11/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92833	Web	Servicemember

10/29/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 17922	Referral

08/03/2015	Yes	Credit card	Billing disputes	CO 80504	Web	Servicemember

07/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 91702	Web	Older American

04/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75044	Referral

04/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VT 05036	Referral

04/06/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	NY 12303	Phone

03/10/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92111	Web	Older American

03/05/2015	Yes	Credit card	Other	OR 97322	Web	Older American

03/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CO 80236	Web	Servicemember

02/03/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 07306	Postal mail	Older American

01/26/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 94531	Web

12/11/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MI 48864	Web

11/20/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MA 02368	Web	Older American

11/10/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CT 06810	Postal mail

10/27/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 10553	Web	Servicemember

10/03/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	NV 89147	Fax

10/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76133	Web

09/19/2014	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	MO 64155	Web

09/05/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 92111	Web	Older American

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32210	Web	Servicemember

09/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 08879	Referral

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92008	Web	Older American

08/17/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NJ 07731	Web

07/26/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MA 01581	Web

07/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34288	Web

07/14/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 11756	Web

07/14/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	NY 11756	Web

06/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 95630	Web	Servicemember

06/11/2014	Yes	Credit card	Billing disputes	FL 33062	Web	Older American

01/27/2014	Yes	Bank account or service Other bank product/service	Making/receiving payments, sending money	CA 92058	Web

08/13/2013	Yes	Credit card	Billing disputes	TX 75044	Referral