Consumer complaint received 2023-06-23
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We obtained a loan from XXXX XXXX, a Georgia banking corporation Lender Correspondence Address : GreenSky Program Attn : XXXX XXXX XXXX XXXX, XXXX, GA XXXX thru XXXX XXXX XXXXXXXX located in XXXX XXXX XXXX, XXXX, Kansas, XXXX. Please see the loan document. 
On the day of the installation, which was a very hot and humid day, neither the installation manger nor the salesperson was present. The two workers had much difficulty installing the window and the door. The window and the door did not fit in the cavities, which were created as the result of removing the existing window and the door. The workers tried their best, while constantly complaining about the weather. The railings where the window and the door open and shut were mostly stuck and they were not flowing smoothly. Please see the attached sheet provided to us by XXXX. It shows how important the installation is. The installation was faulty and the door and the window appear to be used with incorrect exact measurements. 
The workers gave us a completion check out sheet to sign that the work is completed and all standards are met. We refused to sign the sheet. XXXX can not produce this signed sheet from us, which is a normal thing to do upon the work completion. 
We began to contact the company and salesperson. They were not responsive, while claiming leaving many messages which did not exit. Eventually we got XXXX, the installation manager to come out and examine the works. He was disappointed in the works performed. This was clear from his expressions and the words he was uttering. He took at least 30 pictures on his XXXX and took extensive notes. He said he would talk to the general manger, XXXX XXXX XXXX about this. 
The work required replacements of the window and the door. XXXX and XXXX XXXX did not want to do that then, days after the installation and now. The new window and the door would cost a lot for XXXX. They want to send someone ( in the areawho does not work for the company ) to fix something. XXXX XXXX wants to put a Band-Aid on the problems and get the problems over with. The installation was faulty and thats what XXXX, the installation manger told us in so many words. 
We sued XXXX in XXXX XXXX, MO for {$5000.00} in the small claims court. He refused to accept the summons and lied about not accepting the summons. We sent the court documents to GrenSky. XXXX XXXX upon our recent contacts with him stated that there is no record/memory of our complaints and our contact with him about our problems. Then he backtracked once we provided documentation to him to show otherwise. 
In short we have done anything humanely possible with XXXX and XXXX XXXX. He believes that we have no installation problems ; we have never sued him, somehow someone can fix somethingsomething that he does not what it is ( or what they are ). We are the end of our good faith and lengthy process of finding a resolution with XXXX XXXX. He hires unqualified installers for $ XXXX hour and uses his limited warranty to avoid accountability. He knows how to refuse summons and not face the court. XXXX is an aggressive company with multi-advertising and promotion campaigns from TV infomercial to people knocking on your door. Their efforts are concentrated on sales rather than doing the work right. Their prices are at least twice as much as those of many of its competitors. 
XXXX installed faulty window/door. This has nothing to do with the limited warranty. This is a fraudulent business activity. The loan secured on this fraudulent business activity is a fraud as well. We have paid a significant portion of this fraudulent contract. This paragraph comes from the loan agreement you gave us : " If you are dissatisfied with the goods or services that you have purchased with your Loan, and you have tried in good faith to correct the problem with the Merchant, you may have the right not to pay the remaining amount due on the purchase. '' Please also note : In XX/XX/XXXX, the Consumer Financial Protection Bureau ordered GreenSky to cancel up to {$9.00} XXXX in loans and pay a {$2.00} XXXX penalty. GreenSky received at least XXXX complaints between XXXX and XXXX from consumers.

Company response to consumer: Closed with explanation