Consumer complaint received 2019-06-12
Company: GreenSky, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2018 I went to the dentist who said I needed 2 urgent XXXX XXXX. I had already put over $ 3k on my credit card, so the office manager said she could apply for a Greensky loan for the {$3.00}, XXXX for the procedures. I verbally agreed. I found out that I only had 1 XXXX XXXX and did not have any permanent crowns..yet was charged. I did not get a refund and Greensky would not investigate. I was then told I needed a treatment costing $ XXXX. I told the office manager I could not afford it. On XX/XX/18 I was emailed by the office manager " We can start your uppers Monday at XXXX or XXXX ''. Thinking that the office made me a case study or were going to put me in a payment plan ( that I was never offered before ), I went in ( while in pain, unable to chew solid food for 2 years and desperate ) and was presented with 2 sets of papers. She said they secured me a loan. They did so without my permission whatsoever. I signed the paper under coercion while medically compromised and with the threat of removal of care. The dentist then took 8 months to totally destroy my mouth, and left me with a possible hairline fractured jaw, trigeminal/occipital neurologia, and a mouth that could not function ... he then sent me a " box of teeth '' in the mail and said there would be no refund since he completed his work ( I am still in temp plastic with no bite ). I called the loan company to tell them that services were not rendered, and they were already aware that the loan was not taken out by me, but since I was paying, that means I approved of everything. ON XXXX XXXX XXXX the $ XXXX was applied for ( not by me ) and then funds removed by the dental office in less than 1 day ... before I even got paperwork in the mail. Greeksky will not freeze the account until matters are rectified, and they refuse to request receipts from the DDS. XXXX XXXX loan was also applied and taken out without my permission, but they have been helpful in obtaining receipts that do not violate any HIPAA laws. Greensky should not allow offices to apply for loans on the patient 's behalf while they are in a medical condition, nor should they allow an amount that high to be extracted. I do not know what information the DDS used to secure a loan in the first place, since I am barely working. The DDS has brought down my credit score by applying for the loan, and since the payments are not what they were told me to be, I will be looking to file bankruptcy. This is a medical based loan. Services and care was not rendered, yet I am left to pay off over $ XXXX tXXXX XXXX , XXXX XXXX XXXX. I have asked for Greensky to freeze the payments, they will not. I asked that they request receipts of lab fees, etc ... ... but they will not. This company should not be in business with professionals committing fraud and then not be willing to help the patient when the law has been broken. GreenSky states that all participating providers must make available a payment plan to patients ... I was not offered anything of the sort. Just an illegally obtained loan and then $ XXXX being wiped out in one day..just from that 1 account.

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