Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
Earlier today I filed a complaint against Greensky but I did not know how to attach anything ( files )? so I am sending this complaint in because I found out how to do attachments, please add it to the original complaint from me to Greensky. Remember I am elderly and XXXX and it's very difficult for me to work on a computer. Here is the narrative for a second time in case you just want to cancel the other earlier complaint from today and use this one.

GreenSky {$60000.00} I am a victim of fraud with contractors involving financing with XXXX banks/lenders ( I don't even know what exactly these institutions are ) XXXX loans through XXXX lenders. XXXX of them have already been canceled. I've sent an attachment of a sample of XXXX lender that canceled, therefore I have XXXX lenders left, XXXX loans. 
XXXX XXXX building and construction ( now referring to as XXXX ) along with these XXXX banks ( which Greensky is XXXX for a loan of {>= $1,000,000} defrauded me out of initial amount of $ XXXX thusly committing FRAUD, financial crimes also elder abuse.I have a police report from XXXX  XXXX stating XXXX banks XXXX XXXX XXXX committed FRAUD & ELDER ABUSE against me.I am XXXX, also elderly & they took advantage of XXXX posed as a construction company & are in cahoots with these banks to lie, electronically sign peoples signatures stating work is completed when nothing was even started.I did not even know who these people were.The banks gave XXXX directly the money, getting loans in my name, as they lied, stated they had completed all the work & that the homeowner ( which is me ) was happy with the work. I am now finding out they had applied for many many more loans and the way it seems they did it is to sign multiple fraudulent completion certificates the same day or timeframe to all these multiple lenders at the same time for the same fraudulent work apparently being doneI.It was all a lie, a big scam.They defrauded me out of all of this money ruining my credit, ruining my life etc. I kept telling XXXX the only way I would qualify for anything is through the XXXX XXXX with XXXX act loan program if there was such a thing I had not had a paycheck in XXXX years I would not qualify for any money to get any projects done. They would not do as I kept asking they did not even contact the XXXX. 
On about XX/XX/year> a male named XXXX came to my house stating he works for XXXX and he can help me get all my unfinished projects on my house completed, generating me money by getting renters when I add my XXXX square foot addition including XXXX bathrooms, making XXXX bedroom into XXXX & to build approximately XXXX square-foot XXXX, along with all new energy efficient items including hard & soft landscape, new roofs, solar, decking, Astroturf, XXXX, XXXX XXXX XXXX XXXX efficient paint, new doors & windows, new flooring, repair all existing damaged walls, ceilings etc.Repair chimney and fireplace, XXXX water heaters.When he saw the scope of work how many things I needed & that I needed the XXXX built, also to add onto the house he said he would have to direct me to XXXX named XXXX & XXXX that they XXXX these large jobs like this for XXXX. XXXX & XXXX came to my house a day or XXXX later to walk the property, tell me what they could do for me which was getting everything drawn by an XXXX, plans submitted to the city with APPROVAL, the construction completed, renters in place. My guarantee was no payments were to be made by me to any institution until I had a renter who had already paid first and last month XXXX was in the contract.Within the next day or XXXX ( this was within XXXX week of ever meeting anybody through XXXX ) they had XXXX XXXX me up to XXXX XXXX someplace in the valley.Had me apply for so many loans I didn't even know what was happening.They lied, told me this was all just to see if my credit was good, if I could actually get any loans.That I was not actually applying for anything at that moment. The unsigned makeshift contract they gave me on the first day stated '' for qualification purposes only '' on everything .they never told me any loans were being applied for.They lied about everything and electronically forged my signature on everything.I was there about XXXX hours. there was a girl named XXXX working on a laptop she submitted all these applications to all these lenders.Many times people came to my house, got on my XXXX to fraudulently sign my name or apply or I don't know what they were doing on my computer actually.Then a few days later XXXX drove me back up there to fill more things out for them to commit more fraud electronically sign my name on more lies that things have been completed. The project was just in discussion stage & they lied, said it had been completed here within 10 days of me even meeting these people. There must've been XXXX XXXX of these loans I am finding out still now. Luckily I got denied by some I'm just now finding out or they would've defrauded me out of even more money. She and other people that were in the office then told her to do it, helped her etc. XXXX guy named XXXX said he was the owner.He made everybody do whatever he said is what I found out later. electrically signed my signature on all these applications to get all of this money which I learned later was a big scam because the money went directly to XXXX lied, electronically signed my signature which is stealing my identity that these things had been completed literally on the first day I ever went there. nobody had been to my XXXX work. no work had been started I didn't even know who these people were what the names of the lenders were. Nobody showed up to my house nothing got started until XXXX XXXX many workers would show up for a couple days at a time I didn't know who they were. I asked for business cards nobody could answer any questions.I kept calling XXXX office to ask them nobody would answer anything. I kept getting told whoever I was asking for was in XXXX. Seems like 90 % of the people or more that worked there XXXX in XXXX and apparently kept going back there laundering I am guessing they were all this money from the banks probably laundering it across federal lines in XXXX. They were tearing apart my roof making a mess of my house causing damage everywhere & then just disappear without things being finished.completely ABANDON the job & then somebody would show up out of nowhere a couple months later for a day or XXXX then disappear again completely abandon the job again.I kept calling XXXX and asking what was going on. In the meantime anybody that I spoke to with XXXX said if anybody calls you you make sure you tell them the work is done, you have to lie to them so we can work on your house.this was in the very beginning when I first met them. I never would respond to any of these banks that called because I didn't understand what was going on I & I wasn't going to lie or answer any questions.Remember I am elderly, XXXX, was extremely confused. They were taking advantage of me. Im a homeowner not a banker nor a construction worker. it was overwhelming.They tricked me like that on purpose. Force all these loans at one time sign phony completion certificates, forge my signature electronically put them all through at the same time and tell me to lie because that's how they get their money from the banks. 
Why would the banks give them money? nothing was completed most things were not started why didn't the banks come here take a picture, ask me, something before just giving this money to these crooks within the first week of me even meeting this group? I kept asking for a schedule & an accounting because $ XXXX seems like way too much money for what they were supposed to be doing. I kept threatening to report them to the XXXX  the XXXX the FTC any place I could and stop the project because they would not give me a breakdown a fee schedule any information on who was coming who would do what how long it would take how much it would cost. Remember we were just in the planning stages at this time I still had no plans from them or how the loans worked etc.I started asking other people in the construction field. Was told something wasn't right why weren't they showing up to do the work why did they keep abandoning the job. Finally the XXXX  XXXX told me I needed to make a complaint with XXXX, I need to find a person in charge of fraud for the state of XXXX, so I did that. she has an open FRAUD case against them currently through the XXXX. she has been to my house XXXX times investigating this fraud & is helping me. She even had to send an expert witness here to review the job. XXXX XXXX also told me to file with you, the F TC and XXXX which I have done. 

You will see a letter from the XXXX  with an attachment from greensky lying to them telling them I had never talked to greensky and that's all we have been doing is talking nonstop for the last year and a half. they completely lied to XXXX. also you will see the letter I responded with.

Company response to consumer: Closed with explanation