Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: NH

Complaint narrative:
Continuation of CFPB Case # XXXX GreenSky / XXXX XXXX Loan Dispute I am refiling this complaint to provide new evidence regarding my GreenSky project loan associated with XXXX XXXX  XXXX XXXX 

This dispute concerns a {$6900.00} loan disbursed on XX/XX/year>, which was canceled before any work began. XXXX XXXX XXXX received the funds and later refunded only {$1600.00}, leaving an alleged {$5300.00} balance that GreenSky claims represents a cancellation fee. 

Newly submitted evidence shows : Written Cancellation ( XX/XX/year> ) : Attached is the email sent by my property manager, XXXX to XXXX XXXX XXXX formally canceling the project before any work began. 

XXXX  Final Invoice : The merchants own invoice lists Balance Due : {$0.00}, confirming no fee was billed or collected. 

XXXX Contract Clause : The contracts cancellation clause allows up to a 33 % charge only if the merchant accepts such cancellation and has documented costs. There is no evidence XXXX ever accepted the cancellation under that condition or provided documentation of any costs. 

Mathematical Discrepancy : The total contract amount was {$15000.00}, so 33 % would equal {$5000.00}, not {$5300.00}. Neither GreenSky nor XXXX has explained where the {$5300.00} figure originated. 

Merchant Retained Loan Funds : The {$5300.00} is simply the unreturned portion of the loan funds that GreenSky disbursed to its merchant partner, not a legitimate consumer charge. 

Communication Record : My property manager called XXXX multiple times after cancellation. XXXX refused to cooperate, later stating that the issue was between GreenSky and the consumer. 

Therefore, the {$5300.00} balance represents a merchantGreenSky dispute, not a valid consumer debt. GreenSky should pursue recovery of those funds directly from XXXX XXXX XXXX, who retained them, rather than holding me responsible for a transaction that provided no goods, services, or benefit. 

Reporting this account as a charge-off or valid balance violates the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) requirements for accurate and verifiable reporting. 

I respectfully request that CFPB instruct GreenSky and its partner bank, XXXX, to : Correct the account to reflect Canceled Zero Consumer Liability. 

Remove any charge-off or negative credit reporting associated with this loan. 

Provide written confirmation of correction. 

Attached : XXXX. XXXX ( showing conditional 33 % clause ) XXXX. XXXX final invoice ( Balance Due {$0.00} ) XXXX. XX/XX/year> cancellation email XXXX. Statement from XXXX ( property manager ) 5. GreenSkys written response ( email from XXXX, Executive Response Specialist ), in which the company acknowledges that no work was performed but still refuses to correct the account, citing unverified costs incurred. 

Thank you for your attention and continued assistance. 

Sincerely,

Company response to consumer: Closed with explanation