Consumer complaint received 2020-08-12
Company: GreenSky, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im writing to provide the details of my dispute with XXXX XXXX ( the provider of services ) and My Green Sky ( the credit lender ). 

Since XXXX, I have had an open claim with Green Sky regarding the amount that I am being charged. They put me on disaster relief status, which gave me a reprieve from payments while they investigated my claim with XXXX XXXX. 

The claim was due to the XXXX XXXX stores being closed and me not being able to receive services. I wanted an adjustment on the total amount owed before I paid any additional funds. 

I have called them back weekly or bi-weekly for updates regarding the status of my account. Each time, describing the claim to a new representative and ending with them telling me that they would let my case manager, XXXX, know that I had called. I was never able to get in touch with XXXX and have never received a phone call from him. I repeatedly requested a time that was best for him to schedule a call, or have him leave me a voicemail, or email me. I never received any of this information. I also repeatedly asked if there would be any repercussions of waiting while they investigated my account in regards to my credit score and they said no every time. 

After seeing my credit score today ( XX/XX/20 ), I called Green Sky and the first person I spoke to couldnt even locate my account using my social security number or my account number. She also told me that she would have someone call me back. I still didnt hear from anyone so I called again today and spoke with a manager and for the first time they let me know that they closed the claim citing that XXXX XXXX said all services had been rendered. This is a lie. I have only received 5 services to date. 

Every time I called they said someone would call me back within 48 hrs and no one ever did. I spoke to a Green Sky representative in late XXXX/early XXXX and she never let me know that the claim had been closed, she only said that she would again talk to XXXX about it and they would call me back with an update. I also asked her if I was still under the disaster relief and that no payment would be due at this time and she said that was correct. This was a clear indicator to me that no payment would be due until this investigation and adjustment was concluded, and I was informed. 

I called XXXX XXXX today ( XX/XX/20 ) and they confirmed that I received the following services on the following dates : Date Service Price XX/XX/20 1 treatment {$150.00} XX/XX/20 2 treatments {$500.00} XX/XX/20 1 treatment {$150.00} XX/XX/20 1 treatment {$340.00} Total Cost {$1100.00} I want to have my account adjusted appropriately to reflect the services that have been provided and I want to pay in full immediately upon receipt. In addition to the adjusted bill, I require in-writing that any negative credit reporting, including the 2 late payments and any future late payments or derogatory that may be assessed, will be removed upon payment and the account left in good standing to all 3 credit bureaus. 

Thank you,

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