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4735196
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2021-09-20
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Problem with additional add-on products or services
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Payday loan, title loan, or personal loan
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|
| Issue |
Problem with additional add-on products or services
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| Timely |
Yes
|
| Company |
GreenSky, LLC
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| Product |
Payday loan, title loan, or personal loan
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| Sub Product |
Personal line of credit
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| Date Received |
2021-09-20
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-09-20
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| Complaint What Happened |
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.
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| Consumer Consent Provided |
Consent provided
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|
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1942961
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2016-05-26
|
Taking out the loan or lease
|
Consumer Loan
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|
| Issue |
Taking out the loan or lease
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| Timely |
Yes
|
| Company |
GreenSky, LLC
|
| Product |
Consumer Loan
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| Sub Product |
Installment loan
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| Date Received |
2016-05-26
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
No
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| Date Sent To Company |
2016-06-01
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Other
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|
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4092412
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2021-01-25
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Problem with the payoff process at the end of the loan
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Payday loan, title loan, or personal loan
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|
| Tags |
Older American
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| Issue |
Problem with the payoff process at the end of the loan
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| Timely |
Yes
|
| Company |
GreenSky, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
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| Date Received |
2021-01-25
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| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-25
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| Consumer Consent Provided |
N/A
|
|
|
4842573
|
2021-10-25
|
Problem with additional add-on products or services
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with additional add-on products or services
|
| Timely |
Yes
|
| Company |
GreenSky, LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2021-10-25
|
| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-11-16
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| Complaint What Happened |
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.
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| Consumer Consent Provided |
Consent provided
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