Payday loan, title loan, personal loan, or advance loan -- Struggling to pay your loan -- Complaint #18583414
Complaint Overview
Complaint ID: 18583414
Company: Greensky Operations, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Struggling to pay your loan
State: Utah
ZIP Code: 84074
Date Received: 2026-01-08T12:00:00-05:00
Date Sent to Company: 2026-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a loan with GreenSky ( Lender : XXXX Bank ). My current balance is {$15000.00} at 24.99 % interest. The 'hardship plan ' GreenSky provided lowered my payment to {$180.00}, but they refused to lower the interest rate. This payment is {$130.00} less than the monthly interest alone, meaning my debt grows every month. I am in a state of 'Negative Amortization. ' I have contacted the company multiple times requesting an interest rate reduction to allow the loan to be paid off, but they have refused. I am requesting a fixed-rate plan with an APR below 10 % so that my payments actually reduce the principal.
Frequently Asked Questions
What is Complaint #18583414 about?
Complaint #18583414 was filed against Greensky Operations, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Struggling to pay your loan. It was received by the CFPB on 2026-01-08T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.