GreenSky
Reviews and Complaints

I was thrown into financing through GreenSky Financial when the window company was going to find me the "best rate they could" and I received a pre-approval through GreenSky. We were forced to proceed as the windows were ordered without my knowledge. Greensky was not helpful when I disputed the financing. I informed GreenSky I needed proof of funding since all I had in my hands was a pre-approval for financing. They would not help and never provided any proof stating I agreed to this. They simply told me to pay or the loan would be turned to collections.

Every month they call after I make the payment stating this is a "courtesy call" and they just need to verify my information. Every month I'm asked for name, date of birth, address, email, and phone. I usually hang up at this point because we've already discussed the loan prior to asking these questions. They are also notorious for calling at 9PM. This is bad business practice. THEY NEED TO RETRIN THEIR STAFF OR STOP THE COURTESY CALLS!

I called Greensky several times requesting recalculation of loan during this Covid Crisis and made the representative that I had lost my job due to cuts.
The representative refused to assist me to change payment amount or change in the 9 percent interest rate. I believe this is a violation during this crisis.
I called again to try and pay off the loan earlier and asked to have a payoff amount to be less than the amount $17125.44 but the representative would not allow me to speak to anyone and just said no.
I have sent a check for $15000.00 and I am asking to have my monthly payments recalculated for the remaining balance of $2, 565.71
I cannot pay the $251.42 a month. I need to have a lower monthly payment schedule to pay off the remaining balance. No one has returned my calls or request.
I would never recommend Greensky to anyone for the following reasons:
Interest Rate is too High and the Company during this horrible pandemic has not followed any of the government financial agreements.
Please contact me via phone [protected]
Thank you

I paid off my account with Greensky, but I overpaid. I have been trying to get someone from Greensky to respond to the messages that I have left on the loan site, to find out what I need to do to get my money back and I repeatedly get no response. There is no phone number that I can find to actually be able to speak to a live person about my problem.

act number [protected] George glynn . I cannot get through to anyone on the phone. have a problem with the credit.. I need to talk to a human being. I have been tryin g to get through to someone for a week.

please have a representative call me. [protected]. [protected]. this is ridiculous. Paid twice, received confirmation numbers. money not taken out of bank account.

I would say Greensky is a modern day crook! They change payment days every month at the start of loans trying to charge late payments every month. Be aware of your account especially if you are on autopay. But the biggest ripoff is they charge 9.9% interest a month, yes a month. Its 9.9% a year, its by the month worse than any credit card or card loan you will have or have heard off. They should be shut down.

I mailed my payment in on Nov 2nd and it wasn't posted to my account until Nov. 16th. Greensky blames it on the mail service and Covid for delays. Greensky states it takes 10 days to process. Maybe Greensky needs to hire someone who knows how to process payments and pick up their mail from a PO box everyday.
Totally unacceptable...
My home mortage goes to Dallas and is processed within a week and mail doesn't go by carrier pigeon.

My name is Bonnie Frogg. We have an account with Green Sky. I have received several calls about my payment. The payment of 316.50 was made on 12/9/19. It was done over the phone. The confirmation number is #[protected] from Langley Federal Credit Union. I pay almost all of my bills over the phone, and never have any problems, except for you. I am not paying any late fees, because the payment was received on time.

I took over my son's loan with them two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. I called today to change my payment source and they refused to let me, because, although they recognized my phone number, social, my son's name and his previous address, I do not know his current address. I asked for a manager and he told me the same thing, although I knew everything but my son's new address, and that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life.

I used this company for a promotional offer from my dentist office. Biggest nightmare of my life. Filled out the paper work in the doctors office before the surgery on Sept 20, 2017. I never received anything in the mail from this company till November 2017 when I received the first bill from them. On this bill it said I was a month overdue and that I actually owed for two months. I had already contacted the company getting their information from the dental office because I had thought that they really needed to have sent me something between Sept 21 and Nov. 25th (approx date may be off a couple days either way) when I received the first thing ever from this company. I when I called in early Nov 2017 I was told that my bill was sent out and that a payment was due by Nov. 13th, 2017. I explained I never received anything from y'all and that I would make that payment as soon as I received a bill. Nothing came a few days later I called again and was told a bill was mailed out. Still nothing, then I get a bill at the end of the month saying I was past due. Still no bill I tried contacting the company and getting that first bill out to me. Still nothing. After multiple calls and hours of my time spent I contacted BBB. Within a couple of days I was contacted told the man what happened and he said I will get that out to you but you are still overdue and will be required to pay all late fees. He was extremely rude and unprofessional so I asked to speak to someone else. Meanwhile I sent in the second bill (1st one I received) with a note stating this was the first bill I received so this is payment number 1. I continued this and talking with the billing dept. Finally after about 4 months I was sent a copy of the original paper work and the first bill. At this time my issue was finally escalated to another person that asked me what I wanted to have happen. We worked out a deal since I had already made a few payments in excess of the amount due he offered to eliminate the late charges for about 6 months because I was over paying every month and that would give the extra towards the amount due I never received a bill for and it was their error about mailing out the info and bill. Great thought the problem was solved but no every month I had to call about the late fee. So that went on every month until the extra amount completely paid off the past due amount. Then the promotion was ending and so I paid off the account in full before the expiration date of Sept 22, 2018. I asked to be sent a bill with a 0 balance and to cancel the account. I was told I would need to call back in 3 days to request this. I paid it off in full on Sept. 17, 2018 and so I waited till Sept 21, to call and request this. Today Sept 25, I receive in the mail another bill sent out on Sept 21, 2018 saying I still owe them money. After all the hassle I have had with this company I want to warn others don't use these folks they are crooks and in my experience will do and say anything to pacify upset customers and then not follow through

Do not get a loan through this company. They literally steal money out of your account. I am in the middle of a dispute with them as I write this. My loan is paid off, but they continued taking money out of my account and did not apply the payoff money to my account. I can't believe this is through home depot. I've dealt with a lot of creditors and this is by far the worst experience i've ever had.

Complaint to Green Sky on 9/1/2018 at 7:45 p.m. I think this is the second complaint I sent.

Account No. XXXX XXXX 6862 3938

I just got my first bill. You lied to me. My bill was only for $1959.30 and the payments are supposed to be $163.27 per month for 12 months with NO INTEREST. You falsified the statement you sent me. I was EXTREMELY SPECIFIC WITH CHRISTINA CARPENTER at LASER AWAY in Hermosa Beach, CA. I SAID I WOULD NOT AGREE TO ANY BILLING THAT CHARGED ME INTEREST. Christina said there would be no interest and I CLARIFIED THAT WITH YOUR COMPANY BEFORE I AGREED TO THE TREATMENT AT LASER AWAY.

I just got a bill that is CHARGING ME INTEREST AND THE TOTAL AMOUNT IS FOR $2001.15.

I DEMAND YOU CORRECT THIS IMMEDIATELY.

Liza

Greensky Suntrust never credits my account for payment until at least 1 week after receipt. They have taken up to 6 weeks to post payment after receipt. By not crediting my account when payment is received, they are charging me an unfair amount of extra interest. Resolution would be for Greensky to credit my account with the extra interest they have charged by not crediting my account with payment when received. Account number [protected].

In August of 2015 I contracted with a local HVAC company to install a specific brand, 3.5T piece of equipment on my roof. Over the course of a few years, I continued to have problems with this equipment and it was only after I got another HVAC contractor on my roof who confirmed I had a 3T piece of equipment on my roof. At that point I initiated a dispute with GreenSky. I had the AZ Registrar of Contractors rule in my favor that what I contracted for was not what I got. For many months while my case was being investigated by GreenSky, I received statements stating I had a credit on my account. GreenSky is refusing to help me because I signed a "completion form", and when I explained that I, like many other homeowners, are not going to climb on the roof to confirm what's there, their response was "you signed the completion form, there's nothing more we can do for you, you need to contact the merchant". Let me interject here that the contractor is no longer in business and has filed bankruptcy. Whatever you do, DO NOT use this company for anything! This has been the worse experience of my life.

We were roped into a loan through GreenSky at the recommendation of a foundation repair company we are using. I think mostly to save time, the salesman who did our estimate only put my husband's name on the loan - though I am the primary manager of the account.

When after the first two months, GreenSky took the money for a payment out of my account without removing it from my balance, I tried to call to remedy the situation. Not only was the customer service representative extremely unhelpful, but she was also very rude. I had to have my husband call to track down the money that GreenSky did not post to my account.

Keep a close eye on your balance if using this company - they'll attempt to steal from you and give you the run-around if you try to call to track your funds down.

12/21/-12/29/16
As a health care provider (chiropractor) I used Green Sky credit to purchase a high end massage chair for my patient to utilize and to market these chairs. That relationship has been a smooth one.
Recently (12/21/16) I applied to Green Sky to be a merchant provider, there was a short term end of year sale on the massage chairs and i needed to move quickly to be able to offer my clients interest free financing. I submitted an online application on 12/21/16 and was told I would receive a decision on the app in 48 hrs. After 5 days of me calling, being transferred several times every time i called and extended hold times, I was told they do not certify members of my profession as credit providers. I asked when they were going to let me my app was declined but received no answer. This was handled very badly. Too bad for them, as I have accessed another credit provider that does not discriminate against my profession and is happy to make some money. Is there a resolution for this? Probably not. i would suggest if you are a business in a time crunch, ask up front if your profession is covered. it might save some time.

When I tried to enroll to make a payment it stated that the account information was incorrect. I called the 1-800 number provided on the enrollment letter and spoke with a gentleman inquiring as to why it would not allow me to enroll; I was trying to make the first payment on the account. The gentleman was completely unhelpful and basically told me make sure I was entering the account number and zip code correctly...wow thanks genius, I never would have thought about checking to make sure those were correct. Please note, I was entering the information from the letter they provided. So after several rounds of him stating that he could not see why it would not allow me to enroll and him stating that because I was not an "authorized" user that he would be unable to assist me, so I hung up, obviously frustrated. After hanging up with GreenSky, I contact Mad City Windows (who installed the windows) and spoke with a very nice lady who within seconds was able to tell me that the zip code they have listed did not match what GreenSky had noted on the letter. After entering the correct zip code, I was able to bring up the account. I am confused as to why it was impossible for GreenSky, who holds the account and with whom we make payments to was unable to provide the needed information to set up the account. I guess they didn't want my money. I was not an "authorized" user, but was able to get the needed information from Mad City Windows with ease. GreenSky may want to take a look at how they handle situations like this in the future.

GreenSky Credit was offered to me as promotional offer for some windows I was purchasing from a home improvement. I tend to do as much of my banking over the Internet as possible so as my charges came in I set up my online access to monitor my balances and make my payments. So far after two calls I have not been able to get my account summary page to reflect any charges or payments I have made to my account. I went ahead and made a payment to the account as I had a paper document showing that one of the expenses had come in on the account. This payment does reflect in my payment history but neither expenses or payments show in the account summary page. I have yet to be able to get any explanation from the GreenSky customer service folks that indicates why this data is not accurately reported in my online interface. My concern is that these errors could somehow reflect in my credit history on a negative basis
so just beware if dealing with these folks.

I have had a card from them for several months, and a few days ago had a charge declined. I waited until today to see if it would be straightened out, but was still declined. Then I received a letter in the mail stating that they had closed my account! With no warning, for no valid reason, they just closed it. The letter gave an "800" number to call "If you feel this is in error", so I called an asked about this. After they failed to return my call the first time, I called again and finally talked to someone in that department who said that he could not give me any specific details of why they closed it, but that it was final, and for a consolation he said he didn't see why it would affect my business. I was using that card to stock up on inventory for my new location that was set to open next month, that now will not open because of these thieves. Just in case you want to think that I have bad credit, which is what they stated was why they closed it, I have never missed a payment on any credit card, mortgage, or auto loan, and have a credit score of over 700. Bottom line: if they are your only option, take them, but get something else asap like your business depends on it - because it does!