Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
Back in XXXX of XXXX, my husband and I ( married name is XXXX ) contracted with XXXX XXXX XXXX XXXX to have some remodeling done. We settled on a contracted amount of {$11000.00}. The XXXX XXXX agent stated that we needed to sign a document for GreenSky only to see if we qualified for a loan. We let them know that we would be paying cash, they stated that this was just for purposes to see if we qualified. Once the contracts were completed, XXXX XXXX only did a part of the work and never completed the rest. 
In XXXX of XXXX, we renegotiated the contract with XXXX to only pay for the work that was completed, and to remove what was not done. This new contract was for {$3200.00}, and we told them that we would pay cash. After the new contract was emailed to me, me and my husband signed, and sent it back. After not hearing from them, I emailed asking for payment information to send the check. No response. 
On XX/XX/XXXX, I received an email from GreenSky stating that they received a payment request from XXXX  XXXX for {$3200.00}, and to respond if I do not recognize the request. I clicked the link and it asked if I accepted or rejected the payment, and I rejected it. On XX/XX/XXXX at XXXX XXXX  XXXX, I received an email from GreenSky acknowledging that they received the rejection to pay the amount and that they would be in touch to discuss the rejection. I never received any communication to discuss, only started receiving payment notices from GreenSky. 
I then began calling and emailing both XXXX XXXX and GreenSky in regards to this issue. I reminded XXXX that I would pay in cash, and they promised to reverse the unauthorized loan. I also spoke with XXXX XXXX, Account Manager at GreenSky, and was also promised that the unauthorized loan would be reversed and anything reported to the credit bureau on me and my husband would be removed, and this would be completed by Monday XXXX XXXX. I made sure to document this in email and sent to GreenSky because I noticed they do not put what they say in email, only speak details over the phone. As of Tuesday XX/XX/XXXX I had not heard back from either and I have received nothing saying this is done. 
I continued to email and call GreenSky regarding this issue through XX/XX/XXXX and was either ignored, sent canned responses, or passed around to different agents who opened cases, but ultimately sent me canned responses as well. 
During XXXX, I did not receive any responses, and stopped receiving payment notices, so I thought this issue had been taken care of. Sometime around XX/XX/XXXX, I received a 'charge off ' on my credit report from GreenSky stating that I failed to pay a loan that I never requested. This has caused me to be denied credit for an auto loan, and has also affected my husband 's credit report. 
I then began calling and emailing GreenSky again, I have sent them a copy of the email where they acknowledge the payment was rejected, and I have requested copies of ANY documentation showing where I applied for this loan. I have also asked for them to remove this negative information from our credit reports, and to wipe out any information they may have of me and my husband in their database. I sent them a certified letter with my concerns on XX/XX/XXXX and have not received a response. I have been met with the same canned responses as before and they refuse to acknowledge that this loan is unauthorized.

Company response to consumer: Closed with explanation