Consumer complaint received 2019-09-26
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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

Company response to consumer: Closed with explanation