ComplaintsforGreenSky, LLC

• Initial Complaint

  04/22/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 3-27-24 I engaged with a Pittsburgh window company, Universal Windows Direct, to possibly purchase windows. Although a purchase order was executed, I did exercise my right to cancel within 3 days and provided verbal and written follow up to the contractor. Despite cancelling the contract as required, and without any detailed explanation by the contractor, they accepted Greensky loan funding in the amount of $9100 that was disbursed even before the sales representative left my home. And while I contacted Greensky within that same 3 day window, they now claim to be protecting my rights by 'investigating my dispute' while providing the other half of this predatory duo a grace ****** of 60 days to do the right thing and reverse all transaction activity related to this cancelled contract.

  Business response

  04/25/2024

  GreenSky reviewed the customers account and determined that her merchant issued a full refund on 4/19/2024.  GreenSky spoke with the customer, provided the resolution details, and closed the account as requested by the customer.    At ********************** we strive for excellent customer service and will continue to improve our process. 

• Initial Complaint

  04/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a window in 2021 from a window company. The window was financed through Green Sky. I was not aware of the interest that would be backed up if the account was not paid off in 2023. Once I realized that in Feb of 2023, I asked them for an extension to pay off as I was not aware the interest would be backed up. I also did not realize the high interest that was associated with the loan. I would have put it on a credit card to avoid the additional fees and high interest but they do not even accept credit cards. I messaged back and forth with them about the interest for a while and continued to make payments. The balance was barely going down due to the interest so started messaging them again. They then put my account in a dispute status. After months of dealing with it, I thought we came to an agreement where they would waive the interest if paid the balance in full in Jan of 2024. I then asked if possible to pay half the balance and make payment agreements for the rest. They transferred me to another **** who could not help me due to my account being in dispute. They told me to call back once it wasn't in dispute status. I did so today and the lady seemed like she didn't know what I was talking about. They transferred me to 2 other people. The final person advised they would not waive the interest. Not sure why a month ago I was told other wise. Tired of all the going back and forth with them. They advised they sent me loan docs which I have no recollection of them. my daughter's dad was murdered that year. I had a lot going on. I asked them to send that original email they sent me with them, they would not. I asked them to send me the signature where I agreed to the terms, they could not. The lady I spoke with today was rude. Other wise they have been friendly. I did have the window installed and agree to pay for that. Just not all the high interest and backed up interest they are asking me to pay.

  Business response

  11/22/2023

  BBB Response: GreenSky reviewed the customers account and determined the customer did not pay the purchase balance in full prior to her 18-month promotional period ending.  The customers monthly GreenSky statements included the date that the promotion period ended to prevent her from having to pay the accrued interest. While we understand, this may not be the response the customer is seeking, we are unable to waive the accrued interest.  We are resending the customer the email that ********************** sent to the email address on file on June 5, 2021, regarding the deferred interest loan.  We apologize for any inconvenience the customer may have experienced.

  Customer response

  11/30/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I did not receive a copy of the email that the company is saying they sent me. 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********************
  
  
  
  
   
  

  Business response

  12/12/2023

  GreenSky sent the customer copies of the loan agreement, a copy of the deferred interest email, and monthly statements that included the deferred interest expiration date and the interest rate after the promotion period expired.  It is our goal to provide great customer service.

  Customer response

  12/19/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The email that was provided only advised an explanation of what a deferred interest loan was. The terms of the loan was not sent to me until after the fact. While they did send me billing statements explaining the payments, interest etc... It was still done after the fact. I had no idea how high the interest would be nor the terms of the deferred interest. At the time the window was purchased no one gave me the terms of the loan with interest rate or how long the deferred interest would be for. I didn't receive the info until after the window was put in. I will not agree to pay for the interest. I will agree to pay for the window. I have gone back and forth with the Green Sky for months now. It got to the point where I thought we came to an agreement and the interest would be waived if paid in full in January but then the moment I speak to someone else, the outcome changes. I was even given the amount owed without the interest by a rep at Green Sky so if someone at Green Sky didn't agree to it, then why do I know the amount less the interest. I refuse to pay on this high interest loan when I did not agree to an high interest rate. I advised them if this can't be resolved then they can place it in collections. 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********************
  
  
  
  
   
  

  Business response

  01/05/2024

  GreenSky reviewed our records and investigated the customers concerns.  Per policy, we sent the customer a welcome letter and the loan agreement when the loan was approved.  We have not received any return mail as undeliverable. The customer applied for and was approved for the loan on June 12, 2021. On June 12, 2021, GreenSky sent the customer an email congratulating her on the loan approval.  The email explained to her that she could register on our customer portal where she had access to review and save / print her loan documents that included the loan terms.  Our records indicated that the customer registered on our online portal in July 2021.   The customers merchant transacted on her account two months after the account was opened. The following month the customer began receiving monthly statements.  The customers statements read You are on a deferred interest plan.  To have your total deferred interest accrued waived, pay off your promotional balance of $6,841.00 by your promotion expiration date of 2/14/2023.   The monthly statements that were mailed to the customer included the interest rate, the date her promotion period ended, and the payoff balance to avoid the to avoid paying the deferred interest.  GreenSky spoke with the customer prior to this most recent rebuttal and explained to her that we are unable to waive the accrued interest on her account.  While we understand this may not be the response the customer is seeking, we thoroughly researched this matter and determined the loan documents were sent and made available to the customer prior to the merchant transacting on her account.   We apologize for any inconvenience the customer experienced.  It is our goal to provide excellent customer service.

  Customer response

  02/19/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Good Morning, I attached the email that was sent from Green Sky on 6/15. Not sure where they are getting the 6/12 date from that I logged on to their website because I couldn't have until 6/15 which is when they sent the attached email. The email sent says to click to activate the loan. Once the loan was activated the terms were accepted. I am disputing the fact that I was not given the terms of the loan until after the fact. If I had known of the high interest rate prior to, I would have never accepted it. The interest rate is extremely high. Also the funny thing is the loan paperwork has a 6/12 date on it which I never received nor signed on 6/12. I wasn't even able to view the terms until after the loan was activated which was clicked on 6/15. Meaning the paperwork was drawn up prior to me even receiving the 6/15 email  from Green Sky. They should have disclosed the loan documents prior to sending me the activation link but they didn't. I spoke to several people at Green Sky. One told me they couldn't waive the interest but there was one person that did. She even advised the balance to me without the interest. Whether that was an error on the representative behalf I have no idea but a woman in fact told me she would be able to waive the interest. Once I asked her if I could split into 2 payments, she had to switch me over to someone else. It has been a long process dealing with these people. I am completely unsatisfied with how they have dealt with this loan. I refuse to pay the high interest on the loan. I will pay for the window that was purchased. If we can not come to some kind of agreement, again they can just put my in collections. I have already disputed this on my credit report as well. I was trying to be reasonable and pay for the window since I did purchase it but at this point, I am almost not wanting to give them any money because I am tired of dealing with it. I do not care if it sits in collections.  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********************
  
  
  
  
   
  

  Business response

  03/13/2024

  We apologize for any inconvenience the customer experienced.  ********************** investigated the customers concerns.  We have made calls to the customer, but she has been unresponsive.
  The customer applied for and was approved for the loan on June 12, 2021.  Per GreenSkys policy, we sent the customer a welcome letter and the loan agreement to review prior to her using the account.  On June 12, 2021, GreenSky sent the customer an email congratulating her on the loan approval.  The email explained that she could register on our customer portal where she had access to review and save or print her loan documents that included the loan terms.  Our records show that the customer registered on our online portal in July 2021.    The customers merchant transacted on her account two months after the account was opened. This allowed the customer to review the loan terms months before to her merchant transacted.  The month after the transaction occurred, the customer began receiving monthly statements.  Each statement statements included the wording, You are on a deferred interest plan.  To have your total deferred interest accrued waived, pay off your promotional balance of $6,841.00 by your promotion expiration date of 2/14/2023.   The monthly statements included the interest rate, the date the customers promotion period ended, and the payoff balance to avoid paying the deferred interest.   While we understand this is not the answer the customer is seeking, we are unable to waive the accrued interest on the account as she did not meet the loan terms to avoid paying the accrued interest.  

  Customer response

  03/22/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I have not received any calls from this company. No voicemails were left either if I perhaps did miss their call. i would have certainly returned the phone call. The terms of the loan were given after it was already accepted. Again I refuse to pay for the backed up interest on the account.  

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********************
  
  
  
  
   
  

  Business response

  04/17/2024

  ******* ***** Bank USA (the Bank), received the above-referenced complaint via the Better Business Bureau on April 8, 2024. As of March 15, 2024, GreenSky Servicing LLC (GreenSky) is no longer an affiliate of ******* ***** Bank USA. Please direct this complaint to GreenSky.

  Business response

  04/30/2024

  GreenSky reviewed our records and investigated the customers concerns.  GreenSky sent the customer a welcome letter and the loan agreement when her loan was approved on June 12,2021.. The customer started receiving monthly statements after her merchant transacted on the account in August 2021. Each statement included the following information for the customer You are on a deferred interest plan.  To have your total deferred interest accrued waived, pay off your promotional balance of $6,841.00 by your promotion expiration date of 2/14/2023.   The monthly statements included the customers interest rate, the date her promotion period ended, and the payoff balance required to avoid paying the deferred interest. GreenSky communicated to the customer what she needed to do to avoid paying interest. Unfortunately, the customer did not pay the promotional balance in full and we are unable to waive the accrued interest.  We apologize for any inconvenience the customer experienced.  It is our goal to provide excellent customer service.

  Customer response

  04/30/2024

   
  Complaint: 20862773
  
  I am rejecting this response because the terms of the loan were not given until after the loan was accepted. Had I know of the high interest rate, I would have never accepted the loan. 
  
  Sincerely,
  
  *********************

  Business response

  05/03/2024

  We apologize for any inconvenience the customer experienced. ********************** records indicate the customer was mailed the loan agreement when the loan was approved on June 12,2021, and should have received the loan agreement within the next 10 days depending on mail delivery times.  We do not have any record that the loan agreement was returned to us as undeliverable.  GreenSky also sent options for the customer to access her loan agreement via email at time of loan approval. While we understand this is not the response the customer is seeking, ********************** communicated to the customer the amount that she needed to pay and the date she needed the pay the purchase amount to avoid paying interest. Unfortunately, the customer did not pay the purchase balance in full, and the interest accrued.  GreenSky is unable to waive the accrued interest.  We apologize for any inconvenience the customer experienced.

  Customer response

  05/03/2024

   
  Complaint: 20862773
  
  I am rejecting this response because the terms were still not given to me until the loan was already accepted. If I had known the terms prior to, I would not have accepted the loan. The greeting letter that was sent did not have terms, once you click on it and accepted it, it was already too late. The loan had been accepted. I am not agreeing to pay the high interest. You can put me in collections if need be. I don't mind paying back for the window but I am never paying the high interest. Again put me in collections if you need to. I have read numerous complaints regarding matters such as this one on their company. 
  
  Sincerely,
  
  *********************

• Initial Complaint

  04/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The contract presented (which we did not get a copy of) was pushed during evening and working hours, after we spoke to ********** supervisor to confirm, given my credit and the selling point that it would be a principle payment "like a car payment" - which was signed at 10pm as our preemie baby was crying and just came home from the ***** but what they slid in, was the same contract, promising it was updated but with a deadline, the contract was with an absurd interest, considering there wasnt supposed to be any, as well as my near perfect credit score ,it should not be *****% interest rate given any type of loan. I was misinformed about where the loan was coming from and who I would be paying. I have made faithful payments for approximately 6 months and the amount hasn't budged, this is a scam. 183$/mo and 20$ goes to principle, so there is no reason to still be at the starting amount ****** after paying 500$ through my debit/ down payment. Didn't know they (FLD&W/ FLW&D) took the loan out for ******. Not to mention! It's an unfinished job, absolutely not paint ready. Parts still not installed. Was left 6 tubes of calking, I am an electrician, not a ************* installer. This is absurd. I have been given the run around 6 times by FL window and door or FL door and window as well as green sky, although they feel confident calling at 8pm for collection, on a pending payment, only to hang up on me. I asked to speak with management, and the manager ********, made herself unavailable. As I see it now there is no resolution, I'm left to complete the job, make pointless payments, and deal with rude and un-empathetic customer service staff for the most part, if I see an issue. I have had 2 prior cases opened (still opened) and they were unresolved. I currently have a 3rd opened. This is fraud at this point.

  Business response

  04/24/2024

  GreenSky is the loan servicer and did not participate in the installation or sale of the project.  GreenSky spoke with the customer and was advised the merchant left 6 tubes of caulking, left some metal things for the windows, and the sliding door gets stuck.  The customer confirmed the windows and sliding door were installed and are functional.  GreenSky reviewed the account and determined that the customer activated the ********************** account and agreed to the loan terms submitted by their merchant prior to the merchant transacting four months later.  GreenSky notified the customers merchant regarding the incomplete project.  The merchant stated that the customer indicated on 9/15/2023 that everything was complete,the job passed inspection, and they contacted the customer on 4/22/2024 and offered times during normal business hours to come install the s**** covers.   However, none of the dates and times offered worked with the customers schedule.  GreenSky confirmed with the City of ******** of ******* that the customers project passed inspection in September 2023. GreenSky contacted the customer and confirmed the windows were installed and are functional and advised the customer that this matter is outside of ********************** and while we understand the times and dates offered by his merchant does not work with his schedule, he would have to work with the merchant directly regarding the time and date for the merchant to come out and put the s**** covers on the windows.  While we understand this is not the answer the customer was seeking, this matter is outside of GreenSky.  We apologize for any inconvenience the customer may have experienced and we strive for excellent customer service.

• Initial Complaint

  04/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  We had a loan with them. There were two phone numbers on our account. We asked several times for them to call my phone number and they always called the other phone number. I had set up for automatic payments to come out to them several times and every time it would not come out. They would call our other number which is my fianc, he works a lot and is not able to answer his phone a lot, and when they could get through, we would make the payment over the phone from the same bank account that I had the automatic withdrawals through. Again, we would tell them they needed to call my phone number if there were any issues with payments. They told me it was an issue on my bank and when I called my bank, they said it was an issue on green skys end. The last time we talked to them, we told them a date that we would be paying the loan in full and they reported us late and has hurt our credit tremendously, and I would like it corrected. I believe this is green skiess fault because of their poor communication and half the time you could not get through when you would try to call them. The loan was paid in full as we stated to them.

  Business response

  04/19/2024

  We apologize for any inconvenience the customers have experienced. GreenSky reviewed the bank account information for the returned payments versus the successful payments.It was determined that the bank account number used for autopay was off by one digit which caused the payments to be returned. Our records indicated email notifications were sent to both applicant and co-applicant when their payment failed and the monthly statements were also mailed showing the payments were returned. Additionally, the co-applicant was called in January about the status of the account. We spoke with the customer and explained the cause of the unsuccessful payments.  While we understand the customer's request, we are unable to make any adjustments to their credit report.

  Customer response

  04/19/2024

   
  Complaint: 21573796
  
  I am rejecting this response because they only addressed one of the issues, which was not fully resolved to begin with. No one ever told me that there was a one digit error with my bank account info. If Someone had told me this I couldve rectified the situation immediately. Also, I told them to listen to the calls to see that we had requested several times for them to call me and not my fianc and this was not done.
  Sincerely,
  
  ***************************

  Business response

  04/29/2024

  GreenSky reviewed our records and determined on August 25, 2023, we spoke with the co-applicant regarding her payment not going through.  GreenSky advised the co-applicant that the payment was reversed and according to the return code, it was returned due to no account found or unable to locate account.  During a call, the co-applicant asked the agent to confirm her routing number and account number on file.  The ********************** agent advised the co-applicant that she only had access to the view the last 4 digits of the routing number and bank account number and confirmed the last 4 digits that we had matched the last 4 digits the customer provided.  ********************** also communicated the status of the account with the co-applicant via emails and by sending monthly statements.  We apologize for any inconvenience the customer experienced. At ********************** we strive for excellent customer service, and we will continue to improve our process. 

  Customer response

  04/29/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  04/11/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Green Sky charged off my account without notifying me that my account was 120 days past due. Ive made payments each month to pay the past due balance, but it still leaves me with a current balance owing. Each month, the balance on the statement was 397(rounded). I would pay 200(rounded), leaving me with a balance of only 197(roughly).

  Business response

  04/18/2024

  GreenSky reviewed the customers account and determined calls, emails, and letters were sent to the customer at her contact information on file regarding the status of the account.  We do not have record of her contact information having been updated or received any returned mail. Based on our investigation, we are unable to make any adjustments to the customers credit report.  We reached out to the customer to discuss this matter but have not spoken with her yet.    At the customers convenience,she may contact us with any additional questions.   GreenSky continues to strive for excellent customer service, and we will continue to improve our process.

• Initial Complaint

  04/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  In January of 2019, the pipes in our backyard fell apart. My Dad had to get a loan from Greensky to get the pipes replaced. Unfortunately, Dad passed away that September, almost five years ago. In phone conversations at that time, unfortunately none of which I recorded or kept, *** and I were told the loan had been written off because of his death. Unfortunately, Greensky will not leave us alone. They are still occasionally calling us, despite having been asked and told not to do so. I erased another voice mail from someone there a few minutes ago. There is no reason for Greensky to be calling us.

  Business response

  04/15/2024

  We apologize for any inconvenience we may have caused the customer. ********************** reviewed the account and updated our records so the customer will no longer receive calls from our office.   

  Customer response

  04/15/2024

   
  Better Business Bureau:
  
  Thank you. It's upsetting to Mom and me to get these call and emails.

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  
  Sincerely,
  *******************************

• Initial Complaint

  04/04/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 4/1/24 my automatic payment for this loan was supposed to be paid like it is every month. Except this time the company took out the full loan value of over ******. This was not authorized by me. I called them immediately and told they would refund it that day by expedited request. Now on 4/4 I still do not have my money back and when I called today I was told it would still be days before it could be processed. This is creating hardship for my family as we needed those funds to live on. They have agreed I did not authorize that amount but still day nothing else can be done.

  Business response

  04/11/2024

  We contacted the customer and advised her that our investigation determined that she logged into the online payment portal on 3-25-2024 and set up a payment for $14,123.56 to be drafted on 3-29-2024.  As requested, the customer's $14,123.56 payment was reversed on 3-9-2024.. At GreenSky we strive for excellent customer service and we will continue to improve our process. 

• Initial Complaint

  04/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Greensky has said they would remove the 30 day late report to all 3 credit agencies for me. I spoke with several reps since December *** and **** back in December 2023. **** in February 2024 and ***** in March 2024. All said that they would remove this negative reporting to all 3 agencies. It has been over 90 days and it still has not been removed. Also, they listed a Charge off 4 times to the credit reports which ***** said she would check into getting removed. The account is in a stay with the original account holder due to a CH13 BK and should not be reported at all for me. I want all negative reporting off all of my credit reports at this point. They had my name, phone and address all wrong in their system. They couldn't even find me in their system from July to November. I really would like them removed completely from all 3 credit agencies at this point due to their incompetence and lack to fix problems in a timely manner. They have time to update the loan is paid in full but not remove the 30 day late which was their error.

  Business response

  04/05/2024

  GreenSky reviewed the account and confirmed the customer was informed that a request would be submitted to the credit bureaus to update their records.  The update was submitted, and we ask that the customer allow up to 30 days for the ********************** bureaus to update their files.  We apologize for any inconvenience the customer has experienced.  It is our goal to provide excellent service and we will continue to enhance our process and procedures. 

  Customer response

  04/05/2024

   
  Complaint: 21514481
  
  I am rejecting this response because:

   

  They have said this would be updated in 30 days since December.  It has been over 90 days.  I would like to keep this complaint open until all 3 credit agencies have been updated.  
  
  Sincerely,
  
  ***************************

  Business response

  04/11/2024

  We apologize for any inconvenience the customer has experienced.  ********************** submitted a request to the credit reporting agencies to update the customers report. After we submit the request to the credit reporting agencies, it can take up to 30 days for them to update their records.   GreenSky will continue to work with the customer.  ********************** will  leave the customers case open in our system for up to 30 days to ensure her credit report reflects the update.  Again, we apologize for any inconvenience the customer has experienced.  It is our goal to provide excellent service.

  Customer response

  04/11/2024

   
  Complaint: 21514481
  
  I am rejecting this response because: charge offs still appear on my credit reports.  This is paid off.  They never contacted me to pay the monthly or to pay in full
  
  Sincerely,
  
  ***************************

  Customer response

  04/11/2024

   
  Complaint: 21514481
  
  I am rejecting this response because: charge offs still appear on my credit reports.  This is paid off.  They never contacted me to pay the monthly or to pay in full
  
  Sincerely,
  
  ***************************

  Business response

  04/19/2024

  GreenSky spoke with the customer and advised that we submitted an update request to the credit bureaus on her behalf.  We contacted the customer today and asked if the update was showing.  The customer stated when she checked last week the update was not showing . The customer requested ********************** contact her at the end of this week.    We will continue to work with the customer to ensure her concerns have been resolved.  It is our goal to provide excellent service.

  Customer response

  04/19/2024

   
  Complaint: 21514481
  
  I am rejecting this response because: Credit report still reflects negative reporting.  Still waiting for credit report to be corrected.
  
  Sincerely,
  
  ***************************

  Business response

  04/25/2024

  We apologize for any inconvenience the customer has experienced.  ********************** reviewed our records and confirmed we submitted update request to the credit bureaus per our policy.  GreenSky contacted the customer today to confirm the information has been updated on all three credit bureaus and is accurate.  However, we have not received a response from the customer.  We will continue to work with the customer to ensure her concerns are addressed and resolved.  We strive to provide excellent customer service and continue to improve our procedures.

  Customer response

  04/28/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  03/29/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  We got a loan for Repipe Specialists through Green Sky LLC to repipe our house. It was 0% interest for 12 months then rising to 24% interest. After paying $4,400 on a $9,000 loan, on the year, without any notice they added on $3,000 all at once. From what I had to research this is deferred interest and this was not made clear or disclosed during the process. It wasnt even brought up before the year ***** This has never been standard practice (Ive never had a loan do this or even heard of it) and doesnt even seem legal. The way they are not upfront to try to take advantage of customers is a gray area unethical practice at best.

  Business response

  04/11/2024

  GreenSky called the customer and he stated the loan terms were not explained properly to him during the activation process. It was reviewed with the customer that the loan terms are listed in his loan documents and his monthly statements. The customer was approved for a 12 month promotion.  Interest is billed during the promo period but all interest is waived if the purchase amount is paid in full before the end of the promo period. The customer's promotion expired on ********. Our records indicate that the customer paid off his loan on *********.  As a courtesy, GreenSky honored the customer's promotion and waived his ******************** charges. The customer is satisfied.  At ********************** we strive for excellent customer service and we will continue to improve our process.

• Initial Complaint

  03/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I paid off my account with ********************** at the time my house was sold. Now they have started billing me again without explanation. They claim .01 interest and state my balance as zero but are now billing me every month for $60.38. They do not have a number where I can speak with anyone.

  Business response

  03/22/2024

  We reviewed the account and determined the customers account had a balance when we received the BBB complaint.  Our records indicate that the customer submitted a payment to pay the remaining balance.  We spoke with the customer and explained that her February 2024 payment was short and that was the reason that she received the letter from us.  Our contact information is included on the customers monthly statement and our website.  The customer understood and we closed her account as requested.  We apologize for any inconvenience the customer may have experienced.  It is our goal to provide outstanding customer service.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩