Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GREENSKY OPERATIONS, LLC
State: TX

Complaint narrative:
I am filing this complaint against GreenSky Credit for repeatedly misclassifying my dispute, failing to investigate the defective workmanship claim, ignoring evidence I provided, and violating my rights under the Fair Credit Billing Act. Despite submitting clear and substantial documentation showing defective workmanship, services not rendered properly, and significant property damage, GreenSky continues to list my case as a quality dispute, which is inaccurate and this misclassification, along with improper review directly resulted in my dispute being closed without a fair investigation. On XX/XX/XXXX, I formally initiated a dispute with GreenSky. That same day, I sent a detailed email and included multiple pieces of evidence, including photos, inspection findings, and documentation explaining the defective installation. I clearly stated that my dispute involved defective workmanship and services not rendered. Neither XXXX XXXX nor XXXX has accepted responsibility for the defective installation. Instead, XXXX XXXX XXXX XXXX continues to insist on issuing a full refund only if I sign a broad waiver releasing both XXXX and XXXX XXXX from all liability. I refused those terms and notified open sky of the deceptive, coercive, and unfair practice to the consumer. The requirement to waive legal rights in exchange for a refund for defective work is unacceptable and inappropriate. My case was then assigned to an agent named XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I made multiple calls following up on my dispute, and I submitted a substantial amount of evidence supporting my claim. On XX/XX/XXXX, XXXX informed me by phone that the claim would take 90 days to resolve. On XX/XX/XXXX, a GreenSky supervisor named XXXX contacted me. His behavior raised major concerns about the quality of the claims investigation. He was short, dismissive, and abrupt. He stated that my claim was denied and that the dispute would be closed. His sole justification was that GreenSky received a certificate of installation for the bathtub. He had little to no knowledge of the evidence I submitted and did not properly review any documents, plumber reports, photos, or damage claims.

When I explained that the installation was defective and caused major water damage, he had no response other than repeating that the tub was installed ; therefore, the dispute was closed. I then requested to have my call escalated to his supervisor which he refused to escalate my call or provide the name of his supervisor. XXXX also went as far as telling me he would be the highest person that I could escalate to and the his decision on my claim is final. This demonstrates that GreenSky closed the dispute without properly reviewing any of my evidence. This is a direct Fair Credit Billing Act violation. I immediately emailed GreenSkys Executive Office the same day ( XX/XX/XXXX ) to report the mishandling. 

I later received a call from another agent named XXXX, who informed me she was with the executive response team. During the call, she asked repeated leading questions trying to get me to say the tub was installed and whether or not there was still damage. She insisted my case was a quality dispute and difficult to resolve despite my clear explanation that this was defective workmanship. She then informed me that my dispute was assigned to yet another agent named XXXX, who would reach out on XX/XX/XXXX. I have yet to receive a follow-up or any resolution with this ongoing matter. 

GreenSky has refused to acknowledge the true nature of the dispute ( services not rendered ), the installation failure, or the resulting property damage. The company involved is

Company response to consumer: Closed with non-monetary relief