Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: ME

Complaint narrative:
Tuesday, XX/XX/XXXX, a salesman, XXXX, and a partner, XXXX, showed up for an appointment I requested through XXXX for an estimate on a replacement door. The advertizement said a percentage off special was running. I asked for an estimate for other windows while they were here to check some prices. They gave me an estimate of about XXXX and said the promotional % would be removed after credit approval. I think the promotion was 50 % off or buy XXXX, get XXXX free ; I can not recall now. I did allow them to run my credit and I was approved for the entire purchase but did not ever receive the actual estimate in writing. I was at this time offered the option for a year with no interest and was told my account would not be charged until the windows were installed. I was sent a text with a docusign with the amount of {$27000.00} but with limited itemization not showing the actual window and door pricing, the discount, which items were being discounted and at what rate yet. I did sign that document. XXXX had made me aware during his visit that I had a 10 day period in which I could change my mind. I got very nervous because I was unsure if what I had seen was the discounted pricing and had not received any copy of the docusign and XXXX is a LOT of money especially when you don't know exactly what you're paying for! I called XXXX on Thursday and left a voicemail with him that I wanted to change my order to just the door and asked for the pricing info again. No call return so tried him again Friday. He did call back after my second call on Friday and assured me he would adjust the order and seemed very surprised that I had not gotten anything from " the girls '' in the office. Monday, XX/XX/XXXX, I got another docusign text and I did see a lot of amounts on the docusign but it was not presented as what would become a charge of XXXX but instead it had an amount of $ XXXX with strikes through window pricings and an amount of {$10000.00} with what looked to be a discount to the final promotional cost of {$7300.00} part way through the scroll. I did sign this one and the link from my phone to the document ended as soon as I did sign it. but was never told that was or was not with the discounted percentage off. I was also never given a copy of the original contract which I still can not find in my account and have never seen in full. I was verbally assured by the sales man that I would not be charged until the installation occured which was not accurate. It sat charged on my open credit for more than two months prior to the install. This negatively affected my credit rating by more than 30 points! 

XX/XX/XXXX XXXX texted to set up appointment for measurement. XX/XX/XXXX I got an email confirming my order had been sent. 

I did make two payments and when I went on to pay, I saw finance charges posted to my account IN ADDITION TO the {$8900.00} they added another {$1800.00} purchase on my XXXX statement for the install date of XX/XX/XXXX and I called XXXX who was just as confused as I was. She later called me back and said that was the remainder of my purchase. I was so utterly discusted with myself for trusting these people. I told her I never got any documentation on what I was getting charged for. I was under the impression the install was included in the cost of the door. She had no explainaition and could not account for the charge except to say that it was in the original contract which yes, I signed, but still have never seen completely. I have paid {$7000.00} to date. I did write a letter asking for the finance charges to be taken off. They replied that I had not been charged, but I see three finance charge transactions that say POSTED. I do not feel they are being honest with me. Yes, the door is awesome but for this price, it had better be. I want a copy of the original pricing info. I want the finance charges taken off. I want in writing the company policy for disclosure about when the actual charge is supposed to go onto a customers account. I am grateful for any help and can provide documentation of the statements and the messages but can not provide documentation of the original contract as I do not now nor have I ever had it in my posession.

Company response to consumer: Closed with explanation