Consumer complaint received 2024-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against Green Sky regarding their failure to acknowledge and address a significant issue that I brought to their attention. On XX/XX/XXXX, I submitted a complaint to this platform concerning the Complaint File # XXXX detailing the non-receipt of services despite financing provided by Green Sky XXXX 

In my original complaint, I outlined the circumstances leading up to the non-provision of services, which were paid for using financing allocated directly to the service provider by Green Sky. According to Green Sky 's own policies, as outlined in their company Bill of Rights, Section B explicitly states that customers are not responsible for transactions that are fraudulent, unauthorized, or for products or services that were not received. 

Clearly stated in my original complaint File # XXXX, an unauthorized procedure took place, furthermore according to the Statement of Account/Treatment plan ( see attached ), Fraudulent charges were paid for services not rendered. All indicated in the original complaint. With proof of documentation. 

Despite the clarity of their policy, Green Sky has repeatedly insisted that I am liable for payment for services that were never authorized nor provided. Their refusal to acknowledge the nature of my complaint, as outlined in their company 's stated Bill of Rights, is deeply concerning and indicative of a blatant disregard for their own policies. 

I must emphasize that my initial complaint with the service provider and another financing company mentioned in the original complaint ( File # XXXX ) has been resolved through a mutual agreement and relieved me of current financial obligations, the details of which I am unable to discuss. However, Green Sky 's persistence in demanding payment for services not rendered is unwarranted and unacceptable. 

Furthermore, I have been subjected to multiple calls from Green Sky, some of which bordered on being threatening in nature, demanding payment for servicesand impacting my stellar consumer credit profile for what I never received. This aggressive behavior only exacerbates the distress caused by their refusal to honor their own policies and address my legitimate concerns. 

I urge Green Sky to promptly acknowledge my original complaint and take appropriate action in line with their stated Bill of Rights policy. I expect a thorough investigation into this matter and a resolution that upholds the principles of fairness and accountability.

Failure to address this issue satisfactorily will force me to Civil Court in the state of New Jersey. I trust that Green Sky will take this matter seriously and prioritize resolving it in a timely and equitable manner. 

On XX/XX/XXXX, Complaint File XXXX, I received a CFPB notification that Green Sky replied confirming their direct discussion with their client and provider of services. In this communication, the provider admitted to the existence of a mutual agreement and the discontinuation of all financial obligations. This acknowledgment is seen as a confession and/ or expression of regret, particularly in a court of law. 

Despite this clear acknowledgment and admission of responsibility, Green Sky has persisted in harassing me and demanding payment for charges related to unauthorized procedures. This behavior is unacceptable and goes against the terms outlined in your own communication. 



LINK TO GREEN SKY 'S BILL OF RIGHTS : https : //www.greensky.com/billofrights/

Company response to consumer: Closed with explanation