Consumer complaint received 2019-07-06
Company: GreenSky, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation