Consumer complaint received 2020-04-24
Company: GreenSky, LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
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.

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