Credit card -- Fees or interest -- Complaint #13351521
Complaint Overview
Complaint ID: 13351521
Company: Greensky Operations, LLC
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: Illinois
ZIP Code: 60419
Date Received: 2025-05-05T12:00:00-05:00
Date Sent to Company: 2025-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ON XX/XX/XXXX I had an unforeseen furnace BREAK DOWN IN MY HOME. THE COMPANY XXXX XXXX CAME OUT AND RECOMMENDED A FURNACE REPLACEMENT FOR THE AMOUNT OF {$5000.00} IN WHICH I DID NOT HAVE THE MONEY ON HAND. XXXX XXXX REFERRED ME TO THE COMPANY GREENSKY INC., WHICH HANDLES THEIR FINANCING FOR CUSTOMERS WHO COULDN'T PAY ALL THE MONEY AT ONE TIME. GREEN SKY INC APPROVED ME FOR THE TOTAL FURNACE REPLACE FOR {$5000.00} WITH XXXX INTEREST FREE TERMS AND IF THE MONEY WAS NOT PAID IN FULL WITHIN 12 MONTHS, I WOULD BE RESPONSIBLE FOR THE INTEREST THAT ACCRUED FOR THE ONE YEAR. I GOT SICK WITHIN THE 12-MONTH TERM AND I WAS UNABLE TO PAY THE LOAN OFF. I WAS HIT WITH A EXTRA {$1500.00} FOR PENALTY WHICH I FEEL WAS FAIR. XX/XX/XXXX, IS WHEN THE 12 MONTH TERM EXPIRED AND NOW I'M PROMPTED TO PAY {$140.00} MONTHLY. THE XXXX MONTHLY PAYMENT FOR XXXX WITH {$100.00} GOES TOWARD MONTHLY INTEREST AND {$15.00} GOES TOWARDS A CURRENCY CONVERSION FEE CREDIT MONTHLY CHARGE TO ME IN WHICH ONLY {$22.00} OF MY {$140.00} MONTHLY PAYMENT IS APPLIED TO THE PRINCIPAL AMOUNT OWED. I'M NOT ABLE TO PAY OR EVER GOING TO PAY CREDIT OFF ON THIS AT THE RATE OF {$22.00} MONTHLY PAYMENTS ON A {$5000.00} LOAN. I CALLED TO SEE IF WE COULD WORK SOMETHING OUT, I WAS TOLD THROUGH MULTIPLE REPS THAT THEY COULD DROP INTEREST TO 9 %, I WAS TOLD THAT ALSO THAT XXXX XXXX MADE THE TERMS AND WHEN I CALLED GREEN SKY INC BACK THEY RECANTED ALL THAT THEY SAID. THEY ARE TRYING TO MESS MY CREDIT UP AND REFUSE TO SEND ME PROOF THAT I SIGNED OFF ON THIS AGREEMENT AFTER 12 MONTHS LIKE THIS. THIS IS PUTTING A HARDSHIP ON ME AND I DONT KNOW WHAT TO DO THIS IS OVER KILL. HOW AM I SUPPOSED TO GET OUT OF THIS BUT THROUGH A BANKRUPTCY IN WHICH I'M UNABLE TO DO? PLEASE HELP ME. WHY IS IT FAIR TO CHARGE OVER {$100.00} A MONTH IN INTEREST FOR XXXX AND XXXX JUST TO PROCESS MY PAYMENT? THIS IS TOTALLY OUT OR REACH FOR ANYONE AND NOT FAIR AT ALL.
Frequently Asked Questions
What is Complaint #13351521 about?
Complaint #13351521 was filed against Greensky Operations, LLC regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-05-05T12:00:00-05:00.
How did Greensky Operations, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Greensky Operations, LLC?
Yes, visit the Greensky Operations, LLC company profile at readthecomplaint.com/company/greensky-operations-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.