Consumer complaint received 2017-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NY)

On XX/XX/XXXX, we signed a contract for two bathroom renovations through XXXX  XXXX of XXXX for an agreed upon price. We were told by the salesperson that the price quoted for the bathrooms " included everything '' and there was nothing else to pay. This signed contract also states " subject to management approval '' as we live in a co-op. On this same day, the XXXX XXXX salesperson set up the financing for us through XXXX XXXX XXXX/an affiliate of XXXX XXXX XXXX of Georgia. 

About a week later, XXXX XXXX charged approximately {$13000.00} to our Green Sky account after ordering the products for the renovation PRIOR TO receiving approval from our co-op management group. 

Two and a half months later, XXXX XXXX contacted us to advise that the plumbing required by our co-op will raise the price of each bathroom {$5000.00} each ( {$10000.00} ), which they can reduce to {$7000.00}. We advised him we were not in a position to do this. 
We have no bathroom renovations and consider all of XXXX XXXX XXXX actions to be a breach of contract at this point, so we looked to Green Sky to help us. When we called Green Sky and spoke to XXXX XXXX in Customer Service, he assured us that Green Sky advocated for us and referred the matter to the " special agent '' for XXXX XXXX, XXXX XXXX who, instead of viewing this matter as a vendor breach of contract, decided that it was a " cancellation because it took too long. '' XXXX and Green Sky have shown clear bias as evidenced by a sentence in her email to XXXX XXXX representatives, stating " I am hoping that once the customer sees the amount responsible for [ cancelling ] that the customer will change their mind and move forward with the project '' and to us, stated " the merchant has the right to seek relief for any expenses incurred as a result of this cancellation not taking place in the required time frame ( 3 days ). The merchant could request that the contractual agreement is fully upheld and enforced. '' This contract should be considered null and void based on these issues : XXXX XXXX of XXXX breached the contract by ordering products prior to getting management approval. 
XXXX XXXX raised the price after contracts were signed, boxing us in a corner ; and Fraudulent billing - XXXX, on behalf of XXXX XXXX, just emailed us a bill purportedly from XXXX XXXX for " custom ordered merchandise. '' The bill of {$1600.00} ( "  Measure - {$200.00}, Drawings - {$650.00}, Materials - {$800.00} ) is dated XX/XX/XXXX and is on the letterhead of XXXX XXXX XXXX XXXX certainly no one we signed a contract with. To the best of my knowledge, XXXX XXXX XXXX does not have a business relationship with XXXX XXXX XXXX XXXX to finance their jobs. 
This is all sounding like a scam we have already alerted the Better Business Bureau of New York and now appeal to you for assistance. We 've attached our contracts with XXXX XXXX ( dated XX/XX/XXXX ), e-mails with XXXX XXXX XXXX and bill from XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX and XXXX XXXX