Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GREENSKY OPERATIONS, LLC (CT)

To Consumer Financial Protection Bureau, XXXX XX/XX/XXXX. XXXX, I applied and was approved for a credit card called The XXXX XXXX XXXX XXXX XXXX XXXX to be used for purchases for my basement finish project. The reason of this application was due the fact that I was directed to apply for this card by a person named XXXX XXXX who was at that time my contractor to finish my basement. 

According to XXXX XXXX, he usually gets very good discounts at XXXX XXXX XXXX for materials and goods if he uses a XXXX XXXX XXXX XXXX ( XXXX ). However, his personal card reached a limit and thus, he suggested me to apply for a XXXX XXXXXXXX XXXX XXXX to be used for some products that will be purchased from XXXX XXXX to finish my basement. 

I and XXXX agreed to charge up to maximum {$4000.00} on my XXXXXXXX XXXX XXXX  only for hardware ( excluding any tools ). Thus, with a good faith I provided my card to XXXX XXXX to make purchases and requested him to return the card back to me once he made the purchases. However, he used my credit card for purchases i.e. tools, kitchen hood, oak tread etc. which are not related to my basement project, and he charged my XXXXXXXX XXXX XXXX for additional {$7400.00} ( making it a total charged amount of {$11000.00} ). 

As soon as I realized that my credit card was compromised by XXXX XXXX, I reported this fraud to XXXX XXXX XXXX XXXX called GreenSky on XX/XX/XXXX. via phone, and via complaint forms on XXXX and XX/XX/XXXX., and the town of XXXX Police Station on XX/XX/XXXX. in person, via e-mail on XX/XX/year>. 

Since XXXX XXXX, I have been trying to explain the situation ( fraud by XXXX XXXX XXXX to different departments of GreenSky i.e. Customer Care, Fraud etc. many times via phone calls and e-mails. However, Greensky refuses to investigate the fraud and holds me responsible for all the purchases made by XXXX XXXX ( made purchases without government issued ID at several XXXX XXXX XXXX ) although I do have receipts of all the purchases which would prove that XXXX XXXX made all the purchases and I have witnesses who would attest my claim. 

Lastly and importantly, I should be only responsible for {$320.00} for this project loan after all the disputes, credits, finance charges, and the first XXXX payments of payment of {$190.00} and XXXX XXXX is responsible for the rest of the remaining amount on the account which is close to {$5000.00} ( as of XX/XX/year> balance is {$5300.00} ). The reason why I am liable for {$320.00} is that it is amount of framing wood, bolts, nuts etc. still in my custody. All the remaining purchases were delivered to XXXX XXXX who resides at XXXX XXXX XXXX. XXXX, XXXX  XXXX which could be clearly seen on Exhibit A. 

I, XXXX XXXX, hereby petition for the authority to investigate this case and contact with GreenSky and/or XXXX XXXX to not to be held responsible for any purchases made by someone else and as deemed just and proper by the Authority. 

Respectfully, XXXX XXXX