Consumer complaint received 2020-09-10
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As we have not heard from you and / or your Home Office, I am re-sending this Official Legal Letter again dated originally on XX/XX/XXXX plus further updated serious matters dated today electronically through e-mail attachments including XX/XX/XXXX as Certified Letter, respectively and respectfully. 



We would like to recapture this continuous updated Serious Matters of Non-Integrity, Non-Honesty including Non-Quality plus Poor Merchant Workmanship / Un-Satisfaction to your Attention as follows systematically : 1. XXXX XXXX, Service Technician and his Service Manager of XXXX XXXX XXXX failure to provide the tested Pictorial Diagrams as agreed of my existing Gas Air Furnace of Induction Motor previously as " Irregular Motor Speed '' that was  diagnosed dated on XX/XX/XXXX. Therefore, this is considered as Concealment of Material Facts subject to Fraudulent Diagnostic Deceptive Business Information. 


2. XXXX XXXX as your Service Technician did not gain authorization to Flush the existing Water Heater as well as Improper Flushing of Water Heater causing to Potential Water Heater corrosions including  Potential Voiding the Manufacturer Warranty as a result of Improper Water Heater Flushing from exist point to the Water Heater faucet and faucet attachments dated on XX/XX/XXXX. 



3. XXXX XXXX XXXX as your Sales Designer of XXXX XXXX XXXX failed to mutually gain authorization between the Bonified Consumer / Customer identified as XXXX XXXX versus Greensky , LLC - the Loan Servicing Company for the Process of actual Consumer Loan - Credit Application through the requirements of On-line Registration and/or Mobile Application of Verbal and/or Written Transactions Process. This Error & Omissions which is an Unlawful Business Practices as well as Privacy Law Violations is non-tolerated created by XXXX XXXX XXXX Management Teams. Thus, the Utilization of only Generic Application to pull so-called Soft Credit Report minimally only is NOT an Acceptable Loan Process to gain Mutual Agreement for Lending Allowance with Greensky , LLC as Loan Servicing Company dated on XX/XX/XXXX. Therefore, I am attaching Greensky , LLC for the on-line Loan Servicing Consumer Installment Loan Application Form & Informational Blank. Unfortunately, Ms. XXXX nor the General Manager failed to provide and / or inform per instruction to the bonified Consumer / Customer for the completion of the on-line Log-in Consumer Credit Application with XXXX XXXX XXXX  In Fact, Ms. XXXX had her Laptop Computer plus her Mobile Phones with her at Customers / Consumers Premise here at XXXX XXXX XXXX, XXXX, CA XXXX during her Sales Presentation. She could have done so as of extremely easy real-time accessibility as Due Diligence but unfortunately, she had failed to do so as of one of the said above Consumer Loan Application Process Transactional Options with Greensky , LLC as to act upon it. This is for the betterment of Better Business Practices plus the direct relationships with the bonified Consumers / Customers with the Mutual Authorization and Loan Application Agreement with the 3rd Party Loan Servicing Industry identified as Greensky , LLC. 



4. Constructive of High Pressure Sales Attitude between XXXX XXXX XXXX ( XXXX XXXX XXXX Sales Designer ) and XXXX ( XXXX XXXX XXXX General Manager ) and Failure to providing the Customer - XXXX XXXX as the Consumer to Review the Work-Order per so-called Written Contract for Three ( 3 ) Business Days Provision Allowance and/or Recission Period Allowance thus, the Unpleasant / Unwanted Installation on the very Next Day - dated on XX/XX/XXXX of Monarch HVAC System into Customers Subject Property located at XXXX XXXX XXXX, XXXX, CA XXXX. At the same token, forcefully to request for the agreement via the Next-Day Installation - Schedule before the Work-Order Form Completion for mutual Understanding of the Work-Order Intent created by the XXXX XXXX XXXX Designer / Sales Personnel as Maliciously and Inducement Actions. 



5. Subject Serious Concern as attached Pictures ( enclosed ) of XXXX XXXX XXXX XXXX XXXX major Equipment Systems area of Dented Damages / Inferior after unloading from your XXXX  Truck during arrival before Installation at subject Property Address dated on XX/XX/XXXX. Therefore, these dented HVAC Systems of Equipment Components and Equipment plus excessive Crease lines for the Restriction of Airflow as of the HVAC Condensers Fins will subject to Potential Void the Manufacturers Warranty Provisions. In fact, the misrepresentation between the XXXX Brand of the HVAC Systems of the Floor Showroom in which XXXX XXXX XXXX represent routine basis at XXXX County of XXXX XXXX as upon careful cross-examination do not exhibit any nature of Dents nor HVAC Condenser of Fins Crease lines. Furthermore, failure to pre-Authorization nor Mutual Understanding per gaining Acknowledgement / Agreement during Sales Presentation as of the willfulness to remove from XXXX Manufacturer Brands Labels and / or XXXX Manufacturer Brands Labels to XXXX XXXX XXXX simultaneously in front of Consumers / Customers View and at Customers Premise is a serious Unfair and Deceptive Business Practices leading to unnecessary Mis-representation and/or Misleading Motion of Actions on XXXX XXXX XXXX  Portion without gaining Mutual Understanding / Agreement again during Sales Presentations and / or Work Orders Notifications which is a Business Tort Infractions and Deceptive Business Practices. 

6. In addition, to recapture the other Serious Concern Items as identified below recently from XXXX XXXX for immediate outstanding Corrective Actions and Actions Plan have NOT been resolved as of today yet : 7. Failure to Inspect and Reseal the remaining Nineteen ( 19 ) Air Vents / Subject Property Registers as agreed / promised out of 23 Registers throughout the subject premise of Bedrooms, Bathrooms, Kitchen, Family and Living Rooms in which the Sales Designer ( XXXX XXXX XXXX ) - had taken the extensive measurement plus delivered of the Floor Plan Drawings to the Installation Dept. of XXXX XXXX XXXX dated on XX/XX/XXXX and XXXX, XXXX respectively. In addition, unauthorized Modification in front of the Consumer / Customer View / Premise of the HVAC Equipment Components during Installation on XX/XX/XXXX without gaining mutual Notification of Understanding / Acknowledgement during the Sales Presentation dated on XX/XX/XXXX mid- afternoon is considered as an Unfair Business Practices subject to Deceptive Business Practices plus potential Violations of Federal Trade Commissions ( FTC ). 



8. Failure to Utilize the said Tarps ( 2 ) which were brought to Customers Subject Attic on XXXX XXXX as agreed dated on XX/XX/XXXX during the said Sales Designer Sales Presentation for the protection of the existing Installed of the XXXX XXXX XXXX Blankets in XXXX, XXXX from XXXX XXXX  XXXX USA for the Prevention of XXXX XXXX XXXX said Installers Traffic Tearing of the Microscopic and Sensitive Mesh Openings ( Reflection of Sunlight for Extreme Cold Weather Temperatures and Heat Gains ) which will potential Void the Warranty of the said XXXX XXXX XXXX Blankets from XXXX XXXX  , USA in the near future. 



9. Failure to wear Booties consistently specifically in the Subject Sensitive Floor of XXXX XXXX XXXX as agreed dated on XX/XX/XXXX during the said Designer Sales Presentation including the numerous said Installers to whom they had gained in the Bathroom and Family Room during accessible for the Utilization of Premise Customer 's Bathroom ( s ) as Personal means. 


10. Failure to unload Properly ( some unloaded HVAC Equipment and Equipment Components were scrapped against the abrasive Concrete Floorings ) as well as Un-Sanitary Conditions for most of the " XXXX XXXX XXXX XXXX XXXX XXXX  systems by use of the Subject Premise Lawn ( which is very wet due to current rainstorm in XXXX in the month of XXXX, XXXX ) in Light of the Concrete Slabs which is more preferred as Better Contractors ' Practices. 
11. Potential of missing Monarch Equipment Parts / Components of HVAC Systems in the Attic due to NOT paying attention during Installation with extreme Loud Music from Installers Personal Cellular Phones dated on XX/XX/XXXX mid-afternoon. 


12. Inappropriate Tone of Voice & Aggressive Behavior including Non-Productive as well as Non-Professionalism created by XXXX XXXX, your Installation Manager at XXXX XXXX XXXX on numerous subject Premise Visits. Refusal of wearing Medical Masks by this Individual as  provided by the Customer. This individual who was very Rude and dis-Polite / dis-Respect due to severe Coughing from this Individual to  whom he just got back from his business trips. The new Medical Masks were provided by the Customer at Customers Subject Property Premise but unfortunately this Individual refused to wear them as provided again : during the Pandemic Crisis of Novel Covi-19 which is against the Governmental Regulatory Compliance Orders. 

13. One of the XXXX XXXX XXXX XXXXnstallers arrived later than the rest of the Installers. He was the only one to whom did not wear the XXXX XXXX XXXX Uniform. The Customers were not able to identify his name since he did not wear his company provided Uniforms. This Individual was very Rude to whom he had questioned about our Senior Citizens ages maliciously in which it was very malicious outside the Ordinary in which it was a profoundly serious concern plus questioning outside the Topics of HVAC Systems for intruding our Privacy dated on XX/XX/XXXX. 

14. We as XXXX XXXX and XXXX XXXX, the bonified Consumers / Customers respectfully and regretfully that we disagree to pay in the amount of $ XXXX as a result of Poor Quality Installation Services plus Installed Poor Equipment Quality so far as Inferior / Dented Equipment with again excessive crease -lines of HVAC Condensers and Equipment Components ( Potential will VOID Manufacturers Warranty ) as attached including Poor Customers ' Services / Un- Satisfaction and Poor Relationship, Poor Workmanship including Omissions & Errors as well as Negligence as the Inducement for Credit Application Transactions, Non-Honesty and Non-Integrity Approach. 


15. We as XXXX XXXX XXXX XXXX - the bonified Consumers / Customers may Settle with the Best Faith Final Agreement between XXXX XXXX XXXX in the amount of {$15000.00} with Four ( 4 ) years of Introductory Period at Zero ( 0 ) Interest- Rates and 5.99 % of Interest Rate after the 4th Year of Payment Plan as well as retroactive Ramification for further Validation Process Transactions with Greensky   Consumer Installment Loan Application mutually. This will also be including the Ten ( 10 ) Years with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Plan at no additional costs at this time. 


Respectfully Submitted, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation