Consumer complaint received 2019-11-10
Company: GreenSky, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email in my spam box on XX/XX/2019, stating I had received an unknown account from a copmany named ( Greensky ). I called a 1 800 number to the company, and the representative advised me, I had signed -up for a loan through a third party? I informed the representative I had dealings with a roofing company and paid the company/contractor up-front cash therfore my involvement with the on-line company was unknown and fraudlent. The representative advised the alleged Merchant was no longer a part of the company and would XXXX  balance the account. I ask for the company to take the inquiry from my credit report. I informed the representative, that I did not give consent to the on-line company, nor didnot have agreed in writting on verbally to their involvement. The company ( Greensky ) later has had a representative in the dispute department ( XXXX XXXX ) call me for information on the company/their merchant. I advised her I would indulge them with a paid contract to show- I had not involvement with their company ( Greensky ) but in return they need to provide me with the supposed contract that I had with the Company Greensky since I have, nor seen such paperwork and for aribrtration purposes for burden of proof on this alleged agreement ( Court purposes- since I know I did not give permission ). The representative ( XXXX XXXX ) stated she only worked in the dispute department and could not provide me anything. My response was " I have spoken to two of your representative and the Bank that your compnay is third party and they stated, the company ( XXXX XXXX ) does not exist '' I also advised Ms. XXXX that I had filed a police report reference to my credit and information being fraudlently used without my permission. Ms. XXXX stated she only work for the dispute department of Greensky and need more documentation from myself such as : payment to merchant : my involvement with merchant ; personal text message and emails ( Which at this point giving more of my information to an unknown entity was refused- { the company wanted information from me but did not and can not not provide information to give to me }. After speaking with an attorney, I am willling to move forward with court proceedings to show proof of these preditorial third party lending organizations and daily their operations. There is no such thing as verbal consent or no contractual/ without written agreements in the state of North Carolina . In fact- the third party BANK XXXX, stated they do not service personal or installment loans for North Carolina . I currently have an investigative report on the contracting company, but it seems I will have to do the with this company named Greensky, for their tactics of trying to strong arm or scam me into paying for a loan at the hands of a predator contracting company. I do realize, the company may have scammed them too, but for the rest of the consumers who can not afford an attorney, the FTC may need to help with looking into thier lending process.

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