Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GREENSKY OPERATIONS, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX I informed all parties that my compliant and claim for damages will be filed with a reputable and unbiased entity and not a predator. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GreenSky, a GreenSky, LLCs registered trademark XXXX XXXX a XXXX banking company The GreenSky Program GreenSky XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I watched several XXXX XXXX XXXX infomercials. I was convinced and I thought that it would be perfect for the bathtub and shower. I was interested in the offer of no payments for XXXX months, the one-day installation and the waiver of all installation costs. On XX/XX/XXXX, I contacted XXXX  and scheduled an appointment for the design consultation. 

My bathtub and shower installment ( fiberglass modular ) that existed prior to their installation had no water damage, no leaking, and no structure damage. After, the installer removed the bathtub and shower installment. I looked in and took peek and smiled-it was clean and no problems. 

The Consultant arrived XX/XX/XXXX, on the scheduled date and time. During the consultation, I was only asked to select the tile and the glass for the shower door for a bathtub and shower installation. I now know why the Consultant did not fully disclose and did not have me select my options for the installation. For my installation, they have falsely advertised XXXX  brands fixtures that were not installed for the overflow drain, drain and entire shower door. I do believe the XXXX installed fixtures from the existing inventory from their prior operation. 

At the end of the Consultation there was the signing of the contract and financing. I was uncomfortable and unfamiliar with the financial arm of the contract and knew I would make the payoff earlier to the Builder, if the installation was without all the construction problems-its awful. 

A. I have suffered an injury because the tub is too high. In contract, a XXXX XXXX height tub ordered. The tub installed is XXXX XXXX in height where they leveled the tub higher plus they glued on a XXXX strip, total XXXX XXXX ( See Images ). The plumber/installer cut the XXXX. 

B. They cut the joist flanges XXXX XXXX and another joist XXXX XXXX XXXX and XXXX XXXX from sawing them when working in the area while fitting the drainpipes which compromise the structure of my house ( See Images ) and has to be repaired. They connected the drainpipe at the bathroom floor level ( see XXXX cut images ). They unevenly leveled the floor under the tub XXXX higher. The uneven floor causes the design in this construction to be uneven. There is gap at the bottom of the shower frame where water leaks through the shower frame to the side of tub to the floor ( See Images ). 

XXXX I have an injury on XX/XX/XXXX, from getting out of the tub, because the tub is too high. As I stepped over and out of the tub my leg XXXX was injured. There was a lot of blood and a lot of pain. My leg is bruised and bumpy on my shin ( XXXX XXXX ). 

XXXX XXXX agreed that the work on XXXX # XXXX was below their standards. 

The XXXX declined my demand regarding XXXX # XXXX, XXXX XXXX  XXXX, my request for a properly complete replacement. They will also need to repair work of the joist flanges damages by a licensed structural engineer or licensed general contractor specialized in structural repairs. Because of the level of incompetence they have exhibited and unwillingness to remedy this major problem, I seek a new company to repair their damage and properly install a new bathtub and shower. 

This installation will be demolished and a new bathtub/shower installed by another Company. 

( A company that was at my home yesterday ( XX/XX/XXXX ) mentioned a company that work with tiles for bathtub and showers-the price is {$10000.00}. My bathroom is small and so is my bathtub and shower. They have charged a ridiculous price for this, if they did a good job. They are bad news. ) Additionally, the installation work is unbelievably horribly constructed. Here are the misleading actions and construction errors : XXXX ) False advertising : not installing the XXXX XXXX XXXX for bathtub and showers. 
They covered up that installation XXXX XXXX XXXX. The information I have for the XXXX XXXX XXXX  is not what XXXX installed. 
They installed fixtures from the existing inventory from their prior operation. 

XXXX ) Intent-the XXXX Consultant intentionally order XXXX XXXX XXXX  the wrong size tub In the bathroom while he was measuring areas of the bath and shower and thinking he would be sharing more items on his tablet for me to select for the installation- I mentioned I would have a little more area inside the bathtub. I had a bulky bathtub and the shower wall module. He was talking as he was measuring the area of the bathtub size he was thinking of and thinking out loud saying would be too large for inspection. The picture he took in the basement of the drainpipe, he was to show me the location before leaving. I texted him for the information of the area downstairs to know where I needed to clear for the installation, and he did. 

XX/XX/XXXX, I cleared the area in the basement to installation work. I began to think and thought that I should measure the length and width of the bathtub area to the measurements in the contract. That is when I found out that he knew what he ordered the size that was in violations of regulations. I looked up the regulations. No one from XXXX XXXX XXXX answer from XXXX, until XX/XX/XXXX and sent the change order for XXXX XXXX XXXX bathtub. XX/XX/XXXX is when I was told that an inspector and plumber would be here on the date of the installation. The design consultant said he would come back for a walk-through and never did-a sales tactic-shared with me by the installer. 

XXXX ) The date of the installation the installer arrived, XX/XX/XXXX, a one-person crew. I was asked during the consultation if the garage could be used and I declined and told they would have a tent to work out of. There was no tent. What I noticed on the day of the installation was the bathtub had been installed when I passed by and took XXXX pictures. At the time, it never dawn to me that something was wrong- the wood that heightened the bathtub was exposed and the side of the bathtub was not touching the floor. because I had never seen a bathtub where the side was not to the floor. During the installation, I was busy on my laptop engaged in detailed information I needed to do. 

The inspector arrived around XXXX and said that he would return but did not. At some point, I asked the installer when the inspector would return and was told the inspector would not return. 

The plumber arrived late at around XXXX. It was noticeable because the installer seemed nervous and anxious and mentioned the plumber tardiness a couple of times. 

When he finished the installation, I asked to see the water pressure flow. He did not properly install the showerhead ; water was dripping from it. He insisted it needed tightening, and it still dripped, and he kept tightening and made a bad mark on the metal. He knew how to fix it, finally he applied a gasket, used aerosol spray and silicon strip to seal it and stopped the drip. We walked downstairs to see the pipes and he said they may sweat, and I said that had happened before and I did not want that to occur. 

The installer had me initial a document and I had no idea what it was-as it only showed the boxes to initial. I only told not to use the bathtub and shower for XXXX hours. The installer left at XXXX. 

XXXX ) The following are the errors and horrid installation, and XXXX brand fixtures denied and deception The XXXX hours had passed, I could use my bathtub and shower but before that I cleaned the bathroom and placed items back. As I was cleaning the floor my eyes began to open wide-I was in shock. This is when I started to discover he errors and mistakes. I emailed a person at XXXX that I had an email for. I would also call but chances to speak to someone were very rare. I told by the design consultant, and its common-the twelve doesnt start until the work is considered satisfactory. 

XX/XX/XXXX XXXX email Please have XXXX XXXX XXXX back out and redo the white caulking at bottom of the tub ( where he had to place an extended length for the tub ). It's messy and uneven and he had a toe stump where there is discoloration and unevenness. Also, the gray caulking along the tub and tile wall ( lengthier side ) the caulking is thick and uneven ) - when I am in the tub, I will be looking at unsightly globs. Additionally, there are gaps in the gray caulking along the outer frame of the tile. This is bad and reduces the value. 

Also, I have not received a copy of the document he had me initial. 

I'm not going to pay full price for this. He needs to get out here pronto. 

And tell him to wear a headband or hard hat with a flashlight to see better. 

I will be communicating this to the financial arm of the contract. 

Owner XX/XX/XXXX XXXX email I got out of the tub at XXXX ( tonight ) from taking my bath. There is/are also gap ( XXXX ) along the tub and tile wall ( lengthier side ) which will cause damage to the base board and floor. 

The inspector was here mid-day around XXXX on day of installation and said that he would return but did not. 

Owner XX/XX/XXXX XXXX email Also, the shower and the bathtub fixtures are not the same. The shower fixtures are XXXX. The bathtub drain stopper and the overflow nozzle is another brand. 

Owner XX/XX/XXXX XXXX email Please forward and direct all my communications to the appropriate contact for XXXX  XXXX 

# XXXX Reply to my request # XXXX Provide a complete list of the work the person is to do to remedy the problems. This is to ensure that you and I have the same understanding # XXXX Have someone from your administration office 's scheduling team to call me to schedule the date and time for the person to come out and do the work to remedy the problems. 

Owner XX/XX/XXXX XXXX email I received a voicemail from XXXX XXXX. I left XXXX a voicemail for him to have someone from your office send me an email of a list of the things XXXX is to do. 

Please read through all the emails I sent and provide a complete list. 

Owner XX/XX/XXXX XXXX email XXXX  : Please add dripping faucet to the list. 

Owner XX/XX/XXXX XXXX email XXXX : Please add dripping faucet to the list. 

Owner XX/XX/XXXX XXXX email XXXX : I had a discussion with supervisor XXXX on XX/XX/XXXX. 

XXXX is not being honest and doesn't seem to want to remedy the problems. He knows what the problem is, and he did not share it with me. 

Therefore, I had to figure this out myself. The problems are not only the caulking and the overflow nozzle and drain stopper are not XXXX brand. The bathtub height was cut too short about XXXX inches from the floor. I'm angry about this. I know what the remedy is for this and it's huge. 

Please tell XXXX if he needs to think about what needs to be done to correct this and needs to reschedule the XX/XX/XXXX appointment at XXXX to please call me. He needs to make the right decision. 

Owner XX/XX/XXXX XXXX email XXXX  : Tell XXXX that you will need to replace and reinstall the bathtub. The tile walls, fixtures and shower doors and frame will need to come down and reinstalled and possibly be replaced-if damaged. Also, please fix the slow drip from the faucet. 

Please call your financial arm of this contract to inform them of this. 

Please call me to schedule the date and time to do this. 

This was to be beautiful. I am in shock, but I have not lost hope. 

Owner XX/XX/XXXX XXXX email Thank you, As planned, please send someone out tomorrow to take pictures. 

Owner Get XXXX for XXXX Thank you, As planned, please send someone out tomorrow to take pictures. 

Owner Get XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact information Hello Owner, My name is XXXX XXXX This is my contact information. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On scheduled date tomorrow, they are to take pictures only. They are not to change or remove or move any of the installations ' parts, components, and/or attachments. Also, they are not to change or remove or move any property located on my property. 

OwneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : My contact information They will only be taking pictures and measurements. 

They will not be touching anything else. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email XXXX : Moments ago, XXXX XXXX XXXX ( I not sure if his name is XXXXno one gave me a business card ). 

I did tell you that XXXX had shouted at me on a call. I must say that I was surprised. You did not tell them that they were only to take pictures. So, XXXX should be sharing the pictures with you to make the right decision. 

Please let me know what you have decided to do to remedy the problems. 

Owner XX/XX/XXXX XXXX email XXXX XXXX Please send the detailed written descriptions to fix this {$17000.00} mistake. 

Please send reply to Owner by XX/XX/XXXX. 

Owner XX/XX/XXXX XXXX email XXXX : Add to the {$17000.00} mistake list : I washed my hair in the tub using the faucet ( that's how I was my hair ). The water on the tub 's ledge leaks under the shower door frame and caulking. There is no contact ( gap ) between the tub and shower door frame. 

Owner XX/XX/XXXX XXXX email XXXX : Please find attached my Written Demand. 

Owner XX/XX/XXXX XXXX email XXXX : My Written Demand Signed & dated Owner XX/XX/XXXX XXXX email Hello Owner, thank you for passing this on, however this is an issue that would be handled by upper management, I have attached XXXX XXXX for future contact . 


XX/XX/XXXX XXXX email XXXX XXXX XXXX Please find attached the Demand Letter and cover letter sent by XXXX  XXXX I received your voicemail on XX/XX/XXXX. I request that you communicate to me in writing by email. 

Owner XX/XX/XXXX XXXX email XXXX : Please find attached Written Demand-Final Resolve. 


Owner XX/XX/XXXX XXXX email XXXX : Please find Written Demand-Final Resolve and Written Demand and cover letters sent by XXXX. I received a voicemail XX/XX/XXXX and another voicemail XX/XX/XXXX. I request that you communicate to me in writing by email or at my address for XXXX # XXXX. 

Owner XX/XX/XXXX XXXX email Good afternoon My name is XXXX and I work in the escalated department at XXXX XXXX XXXX I am reaching out regarding the demand letters that were sent to our local office. I know that the Installation XXXX XXXX was out on XX/XX/XXXX and performed an inspection of your installation. Based on these findings it was determined that a full redo was not warranted, and the remaining concerns could be addressed through a follow-up service. Per section XXXX of our contract, we have the right to perform service within our warranty by the repair or replacement of any defective materials. 

At this time, we are willing to move forward and schedule a second inspection with a different Installation XXXX along with the XXXX XXXX XXXX. During this inspection, they can walk through your concerns and further discuss our service plan moving forward. Should a redo be necessary per our second inspection, we can consider that option. However, if it is confirmed that a follow-up service can address your concerns they can elaborate on the process, better explain how the service would correct these issues, and explain why a redo is not needed. 

Ive included XXXX on this thread as well as he is our XXXX XXXX XXXX XXXX XXXX Please advise on your availability so we can move forward with scheduling the second inspection. 

XXXX XXXX XX/XX/XXXX XXXX email XXXX : Again, the XXXX XXXX XXXX XXXX XXXX XXXX will need to provide written information regarding what they think the services plan moving forward and any and every communication must be in writing. 

I'm very shocked that XXXX  has not reached out to replace the horrific shabby job for the sake of XXXX XXXX 

Per your comment, what is that date and does a defect have a warranty? 

I will only accept a complete XXXX XXXX  bath and shower replacement ( new ) and no price/costs hikes and include the discounts provided. You must follow my Written Demands.

I have the right to have a bath and shower installed by another company. Meaning, my trash as I have described in the Written Demand-Final Resolve. 

At any time, I will have another company remove the trash and install a new bath and shower. 

Owner XX/XX/XXXX XXXX email Good afternoon, Owner, When we are on-site for the second inspection, the XXXX XXXX XXXX XXXX XXXX XXXX can walk you through the service plan and how the service will correct the remaining issues. After the inspection is completed, I can send an email as well documenting their findings and outlining this service plan. Our local team has been trying to contact you to schedule a follow-up service after the initial inspection was completed on XX/XX/XXXX but you declined service stating that you would not accept anything other than a redo. As I stated in my previous email, should a redo be necessary per our second inspection, we can consider that option. However, if it is confirmed that a follow-up service can address your concerns they can elaborate on the process, better explain how the service would correct these issues, and explain why a redo is not needed. There is a warranty on the noted defects. However, per section XXXX of the signed contract, any warranty concerns will be addressed at our discretion by repair or replacement of any defective materials. If we determine per our second inspection that a repair is the best option to correct the defects, per the contract we have the right to service as we deem necessary. 
Having another company remove or alter our product is a direct violation of our contract and warranty as are the demand letters that were sent. Ive attached a copy of your contract with highlighted sections from the terms and conditions section ( pages XXXX ). Ive also included a summary of those sections below as well addressing statements made in your written correspondence. 



Section XXXX : In the event that Owner disagrees with the Substantial Completion of the Work, Owner may withhold the actual cost of the Work to be completed, not to exceed 10 % of the Amount Due at Installation, and the balance shall be paid as required in this Contract. 

Section XXXX : Payments. Initial and final payments shall be as set forth above. Except as set forth in paragraph XXXX, all payments to Builder shall be made by Owner without any right of set-off or retention. 
The work was considered substantially complete as of XX/XX/XXXX when the attached XXXX was signed. If you disagree with the Substantial Completion of the work, you have the right to withhold 10 % of the balance due but you are still required to pay the remaining balance.

Section 9 : Builder does not warrant against and shall not be liable for any damages or injury relating to : alteration, repair or attempted repair by anyone other than Builder or its authorized representative. 
Should you choose to move forward with having another company remove and replace our products we are not responsible for repair, replacement, or reimbursement of the materials or cost of the contract and you would still be held liable for collection of the remaining balance. 

Section XXXX : Owners sole and exclusive remedy against Builder for any and all claims for damages arising out of or alleged to have arisen out of Builders Work shall be limited to the Warranty which shall be addressed, at Builders option, by the repair or replacement of any defective materials. 
We have the right to inspect any noted defects/damages and determine the best bath for resolution. It is our discretion to determine the resolution based on the outcome of the inspection. Per the inspection that was previously completed, we determined that the best plan for resolution was to service/repair the noted concerns. 

Section XXXX : Any change order shall be based on an agreement between Owner and Builder in writing, stating both parties ' agreement on : ( 1 ) any change in the project, ( 2 ) the amount of adjustment, if any, of the compensation to Builder; and ( XXXX ) the extent of adjustment to the Completion Date. 

Section XXXX : Any alterations or modifications to this Contract shall have no force or effect unless a duly authorized officer of Builder agrees to them to in writing. 
The demand letters dated XX/XX/XXXX and XX/XX/XXXX are written demands attempting to alter the initial contract is in violation of the above sections. XXXX XXXX XXXX XXXX XXXX does not agree or authorize the modifications listed within these demand letters. 

To date we have attempted to schedule a follow up service to correct the noted concerns but have not been permitted to proceed with any remedies. We ask that you allow us to either complete this service or provide availability for a second inspection. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone from GreenSky called today. Stop the calls. Again, all communications must be in writing. 

This trash you created was done intentionally. 

Owner XX/XX/XXXX XXXX email Good morning, Owner, Someone from Greensky is reaching out due to your complaint that was submitted. We partner with Greensky for financing, but they are a separate company from XXXX XXXX. They will continue their contact attempts until there is a resolution for the complaint they received. Please provide dates regarding your availability for the second inspection. At this time, this is our only offer to move forward as we determined per our previous inspection that a redo was not needed. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will need to update your predatory financial arm to inform them of the status of this concern. 

They are aware of the concerns. They didn't do this horrific work, you did. 


Owner XX/XX/XXXX XXXX email Good morning, Owner, I can advise Greensky of your request to have all communication through writing. However, as I stated they are a separate company from XXXX XXXX, and I can not guarantee that they will comply with this request. Currently, we have advised Greensky that we have a service plan in place, but at this time you are unwilling to move forward with anything other than a redo. We have asked for your availability for us to schedule a second inspection and it has not been provided. At this time, there is nothing further XXXX XXXX XXXX is able to do. 
Please provide your availability if you would like to move forward with scheduling the second inspection. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm available XX/XX/XXXX, Monday. 

As I have communicated with a XXXX XXXX before. During the inspection, do not change or remove or move any of the installations ' parts, components, and/or attachments. Also, do not change or remove or move any property ( XXXX ) located on my property. Additionally, identify each individual and provide who they represent, their employer information and their contact information. 

Provide the schedule time of arrival in advance. 

Owner XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for your inspection. And provide a XXXX or more than notice. 

Owner XX/XX/XXXX XXXX email Good afternoon, Owner, Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can perform the inspection on XX/XX/XXXX. Their arrival window will be XXXX. During the inspection, they will not make any alterations or repairs to any parts or components. They will

Company response to consumer: Closed with explanation