Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
XXXX, XXXX. company representative XXXX XXXX visited my home on XX/XX/2017 at XXXX for an in-home solar system consultation. Once I seem insterested in the solar system, XXXX XXXX requested my information to run a credit check. He then had me sign a contract but insisted there was a 3 day concellation period prior to moving forward. That evening I contacted XXXX XXXX and told him I was n't comfortable with the contract and would like to cancel it until I could get further details on the pricing. XXXX XXXX said he would call and cancel the contract, but would like come to my home on Sun XX/XX/2017 to answer any questions I had, and to possibly do another contract. I asked XXXX XXXX for detailed invoice of the items that were included in the contract, which he said he could not provide. XXXX XXXX stated it was company policy not to provide detailed invoicing. 

On Friday evening I felt like I was getting the run around, and went back through the paperwork XXXX XXXX me sign. At that time I noticed the paperwork included a Cancellation Certificate that had to be completed within 3 business days. I printed and filled out the Cancellation Certificate and took it to XXXX on the morning of XX/XX/2017 at XXXX. The Cancellation Certificate was submitted by facsimile at XXXX and notorized by the clerk at the store. On XX/XX/2017 XXXX XXXX and I could n't reach an agreement on the pricing and billing practices of XXXX, XXXX. when he came by home. XXXX XXXX once again assured me that my contract with XXXX, XXXX. had been cancelled. 

The Cancellation Certificate that was sent by facsimile stated : " To cancel this transaction, mail or deliver a signed and dated copy of this cancellation notice or any other written notice, or send a facsimile to XXXX by XX/XX/XXXX. '' I received a letter dated XX/XX/2017 from GreenSky, XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/2017 that stated : " Thank you for Financing your XXXX Project with GreenSky. 

When you agree to the terms of the Loan Agreement and are ready to make your purchases, give your account number, expiration date, and photo ID to your contractor. Use of the Shopping Pass or the associated Installment Loan to make a purchase constitutes acceptance of the terms of the loan. 

After your first purchase you will receive monthly statements. 

You have zero liability for transactions that you did not authorize. Please monitor your statements and contact us at XXXX to notify us of any unathorized transactions. '' Next I received a statement from GreenSky on XX/XX/2017 for the period ending XX/XX/XXXX which showed a new balance of {$22000.00}. The statement listed a purchase on XX/XX/2017 with a description of " GreenSky Direct Transaction - XXXX, XXXX ''. The statement also listed a interest charge of XXXX. 

I never authorized GreenSky send a direct payment for {$22000.00} to XXXX, XXXX. I never signed a contract with XXXX, XXXX. I cancelled the contract with XXXX with in the 3 day period. I contacted GreenSky and was told someone would contact me within 3 business days. I do n't understand why they GreenSky would send any funds to anyone without authorization.

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