Consumer complaint received 2017-06-15
Company: GreenSky, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Sunday XX/XX/XXXXof this year, my wife and I stopped into a hot tub and spa expo. We ended up purchasing a hot tub for {$9500.00}. The sales people at the expo used a finance company named GreenSky. Per the contract and sales agreement there were to be no cancellations or refunds. The contract also stated that the hot tub was to be delivered on XX/XX/XXXX, the next day. The hot tub was never delivered on the XX/XX/XXXX. I was in contact with the sales person who sold us that hot tub all day long on the XX/XX/XXXX and they were no help.I got nothing but excuses as to why the tub was n't delivered. I started to have a bad feeling about the entire transaction.I did some research online of the hot tub company in question ( XXXX XXXX ). I found a ton of negative reviews of the tub and the company. I attempted to cancel the hot tub, because of the breach of contract on their part by not delivering the hot tub on the specified date on the contract in conjunction with the poor reviews and over all bad feeling I had about the entire transaction. First I attempted to contact The hot tub store ( The local retailer of the tub in question ) to attempt to cancel my order. I attempted to contacted them and the actual sales person on at least 5 different occasions over the coarse of the next two days. I did get in touch with two different people at the brick and mortar store. They both told me that they would " have someone contact me ''. No one ever did. The sales person would not answer their personal cell phone. I left voice mail for her to contact me back and she never did. At this point I got in touch with the financing company, GreenSky and submitted a dispute. I would like to preface this by saying that GreenSky approved me for XXXX and gave me a deadline of XX/XX/XXXX to spend the credit. They sent me their terms and a card that could be used like a credit card up until that date through email. I spoke with XXXX XXXX ( a supervisor ) about the dispute. I informed her that I never received the hot tub and that I was unable to get in touch with or make any other arrangements with the merchant. XXXX sent me an email with a dispute form to fill out and some other information that was requested such as names, times and conversations I had with the merchant, as well as any contracts that were signed as part of the agreement to purchase the hot tub. I sent her this information back the same day. Once they received the dispute, there was a two week period of time that went by. I logged into my GreenSky account online, and I could see that the charge had been taken off, and I could see a dispute transaction. I checked on this frequently for a few weeks and I assumed that the issue was resolved as I did n't hear anything from GreenSky, or the Hot tub store. Please keep in mind I still have n't received a hot tub or had anyone contact me about delivering one. Then I checked it again a few days later, and I saw that there had been a provisional credit reversal. I then contacted GreenSky again by phone. I spoke to another supervisor, who 's name I do n't recall. She informed me that because the contract said no cancellations that they could n't do anything about it. I tried to explain to her that the hot tub store breached their own contract by not delivering the tub on the date specified in the contract, but she refused to help me. She referred me back to XXXX, because she was the original supervisor that investigated my complaint. XXXX was unavailable at that particular time, so I asked for her direct extension and her business hours. I attempted to call her the next day, and got her voice mail. I left a message, and of coarse did not receive a call back from her. At this point I decided I wanted to file a complaint here. Neither party involved in this transaction is willing to help me resolve this. I am starting to wonder if I out right got scammed. As of now, 6 days away from a month that the original transaction took place, here is were we are at. I have XXXX owed to a credit company, and no hot tub. They have n't even contacted me to ask when they can drop off the tub. I feel like they got their money and ran. I will not under any circumstances accept delivery at this point of the hot tub in question, I also will not pay a dime to GreenSky. I have a XXXX credit score, and I do n't want it ruined by these shady companies. Please help me resolve this.

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