Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: MA

Complaint narrative:
b'This is the demand letter highlights with an explanation of  how (contractor name removed) was able to with draw more funds than we agreed to. (Personal information removed.)\n\nThis letter constitutes a formal demand for relief pursuant to the Massachusetts Consumer Protection Act, M.G.L. Chapter 93A, in connection with home improvement work you performed at my property located at (address removed).\nOn XXXX XXXX XXXX, I entered into an agreement with you for home improvement services, based on a written estimate of XXXX. This agreement was confirmed in writing, including via text messages. A major reason I selected your services was your stated ability to offer financing through GreenSky.\nDespite the initial XXXX  estimate, you later charged XXXX through GreenSky and collected an additional XXXX deposit from me by credit card, resulting in total payments of XXXX. This exceeds the agreed-upon amount by XXXXIn addition, your conduct has included multiple violations of state consumer protection and contractor laws:\n\tYou began work without securing a legally required building permit, in violation of state and local building codes.\n\tYou misrepresented the GreenSky loan terms, leading me to believe the 3.99% interest rate would be fixed for the life of the loan, when it was only for the first 6 months.\n\tYou added XXXX to the GreesSky loan to cover XXXX in outstanding sewer taxes and a XXXX fine and permit fee, which should have brought the total project cost to $XXXXnot XXXXYou failed to provide a detailed invoice or itemized statement upon completion of the work.\n\tYou submitted billing documents that appear inconsistent and potentially fraudulent.\nThese actions constitute unfair and deceptive practices under M.G.L. c. 93A and violate the Massachusetts Home Improvement Contractor Law (M.G.L. c. 142A), which mandates a written, itemized contract for home improvement work exceeding XXXXAccordingly, I demand an immediate refund of XXXXthe amount overpaidwithin 30 days of your receipt of this letter. If you do not comply, I am prepared to initiate legal action in Massachusetts Small Claims Court. In that proceeding, I will seek treble damages, court costs, and attorneys fees, as permitted under Chapter 93A.\nThis is your final opportunity to resolve this matter without litigation.\nSincerely,\n(Name removed)\n\n*You added XXXX to the GreesSky loan to cover XXXX in outstanding sewer taxes and a XXXX fine and permit fee, which should have brought the total project cost to XXXXnot XXXX \n\nExplanation and details\n-----------------------------\nEstimate date XXXX XXXXWork start date XXXXBusted by town inspector XXXXContractor paid XXXX  sewer bill and XXXX permit and fine for no permit cost and was to add this to the final bill. The contractor calls this amount XXXX XXXXPermit issue date XXXX XXXX and Sewer bill paid XXXXYou misrepresented the GreenSky loan terms, leading me to believe the 3.99% interest rate would be fixed for the life of the loan, when it was only for the first 6 months. \n\nGreensky did not honor the 3.99% at all. Their accounting also is inconsistent.\n\nI have spoke to GreenSky and the contractor they both call me "confused"\n\nThe contractor currently holds a document (he forged my signature on this) But he also forged a date, XXXX The proof that this document is bogus, is it is dated before the inspector caught him working with out a permit. I want to state here and now that I requested he get a permit, he refused and called the inspector swear names (I have the text of this still, and an audio voicemail he left). The permit is dated XXXX. If he sent me an itemized bill or estimate it should have been on or after XXXX

Company response to consumer: Closed with non-monetary relief