GreenSky

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website: https://www.greensky.com/
• Home Improvement customer service: 866-936-0602
• Patient Solutions customer service: 844-810-7713
• Customer service email: [email protected]
• Customer portal (payments, live chat after sign-in): https://online.greensky.com/
• Consumer FAQs (customer portal): https://online.greensky.com/greensky/faq
• Program bank partners list: https://www.greensky.com/bank-partners

Locations

GreenSky loans: who to contact, what to check and where to complain (checked October 7, 2026)

Which company this is. GreenSky, LLC, of Atlanta, Georgia, runs the GreenSky loan program that home improvement contractors and, under the Patient Solutions name, health care providers offer at the point of sale. The company's website says: "GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders." Its Bank Partners page, opened on October 7, 2026, lists Pinnacle Bank (a Tennessee bank doing business as Synovus Bank) and Comenity Capital Bank as the institutions "currently making and offering loans through the GreenSky Program." The customer portal footer adds: "A borrower's original lender is identified in their original loan agreement. In certain cases, GreenSky or GreenSky Patient Solutions loans may be transferred from one participating lender to another lender. A borrower's billing statement for their loan will reflect the borrower's current lender at the time the billing statement is generated."

Contact channels the company publishes. The Contact page lists Home Improvement customer service at 866-936-0602 and Patient Solutions at 844-810-7713, both with email [email protected]. Hours posted for both: Monday to Friday 8:00 am to 10:00 pm EST, Saturday 8:00 am to 8:00 pm EST, Sunday 10:00 am to 8:00 pm EST. Live chat (Home Improvement) is listed as Monday to Friday 8:00 am to 6:00 pm ET after signing in at online.greensky.com. The page's contact form asks: "Please do not include account numbers or SSNs in your message." The portal's consumer FAQ page lists these questions: "How do I cancel my loan if I no longer need it?", "Why does my credit report show 'GreenSky'? I thought I was applying for credit with my contractor or merchant?" and "I received an email from GreenSky asking for my personal information. Should I provide this information?" The answers were not displayed in the page text retrieved on October 7, 2026, so read them on the portal itself. The Patient Solutions FAQ lists "What if I have a problem with my provider, the loan or your company?" and "What do I do if I suspect I have become a victim of fraud or identity theft?".

If you did not authorize a loan, or work was not done. The CFPB's 2021 order and the 2026 multistate settlement described below both concern loans that consumers said they did not request or authorize. These are the routes the agencies publish: the CFPB accepts complaints at consumerfinance.gov/complaint/ (the CFPB site displays (855) 411-2372); the FTC's IdentityTheft.gov takes identity theft reports; and the attorney general of your state accepts consumer complaints. In the 2026 settlement, Alaska's release says a settlement administrator "will contact eligible Alaskans with information about how to claim restitution"; that quote describes the process for eligible Alaskans only, and no claim deadline or self-file claim portal for other states was found in the official sources checked on October 7 and 9, 2026.

If GreenSky appears on your credit report in error. The CFPB says: "If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute." The company's Merchant FAQ calls GreenSky, LLC "a third party service provider and program administrator" to the banks that make the loans, and its footer says GreenSky Servicing, LLC services the loans on behalf of the lender, so check your loan agreement and billing statement to see which bank is named as your lender before you write.

The 2021 CFPB redress program. GreenSky's settlement page (greensky.com/greenskyprogramsettlement), opened October 9, 2026, says: "If you are responding to a notification or reminder email or mail from Guideline Group, we are no longer accepting outreach responses." It names Guideline Group, Inc. as the independent settlement administrator under the Consent Order, gives March 31, 2023 as the date redress checks and letters were mailed, and lists 1-833-539-2846 and GreenSky, LLC, P.O. Box 2730, ATTN: Disputes/CFPB, Alpharetta, GA 30023 as contact details. The page presents this as an outreach process for consumers already notified, not as an open general claims process.

What the company says it commits to. GreenSky's Consumer Bill of Rights (greensky.com/billofrights/) says the company is "here to be your advocate in resolving disputes" and lists "Ensuring you are not responsible for transactions that are fraudulent or that you did not authorize or for products or services that you did not receive." This is the company's own statement of intent, not a finding by any regulator.

Before arbitration or court. GreenSky's Program Arbitration Agreement (last updated April 27, 2026, at greensky.com/disclosures/) says a rejection notice must be written to GreenSky Loan Program, P.O. Box 2730, Alpharetta, GA 30023, Attention: Legal, and "MUST BE RECEIVED WITHIN 45 DAYS AFTER THE DATE YOU SUBMIT YOUR APPLICATION AND AGREE TO THE TERMS OF THIS AGREEMENT." It also requires a written Claim Notice, sent to GreenSky Program, Attn: Legal Department, 5565 Glenridge Connector, Suite 700, Atlanta, GA 30342, and a pre-filing period of at least 30 days after the notice is received before an arbitration or lawsuit is filed. The agreement says it does not apply to service members and their dependents protected by the Military Lending Act. Read the agreement attached to your own loan, because terms can differ by date and program.

Keep records. Save the loan agreement, the billing statements, any completion or work-order paperwork from the contractor, and the dates and names of every call or chat with GreenSky.

GreenSky and regulators: CFPB consent order (2021) and multistate settlement (2026)

CFPB consent order, July 12, 2021. The CFPB issued Consent Order 2021-CFPB-0004 against GreenSky, LLC. The order says the Bureau identified two violations of the Consumer Financial Protection Act: unfair acts and practices with regard to loans to consumers who did not authorize them, and unfair acts and practices in structuring loan origination and servicing in a way that enabled unauthorized loans. The CFPB's news release says that between 2014 and 2019 "GreenSky received at least 6,000 complaints from consumers who stated they did not authorize submission of a loan application" and that the company's own complaint investigations found its merchants at fault in at least 1,600 instances. The order requires redress of between $750,000 and $3,000,000 in cash and up to $6,000,000 in loan cancellations (the news release describes "up to $9 million in cash refunds and loan cancellations"), a $2.5 million civil money penalty paid to the CFPB's Civil Penalty Fund, and changes including verifying consumer identity and authorization before activating loans or disbursing proceeds, a complaint management program, merchant oversight and write-off standards. Under the order, GreenSky "consented to the issuance of this Consent Order ... without admitting or denying any of the findings of fact or conclusions of law, except that Respondent admits the facts necessary to establish the Bureau's jurisdiction." The CFPB's enforcement page lists the action's status as "Post Order/Post Judgment" as displayed on October 7, 2026; this page did not find a termination notice in the sources checked.

Multistate settlement, May 2026. On May 22, 2026, Alaska's Acting Attorney General announced a multistate settlement with "GreenSky, LLC and GreenSky Holdings, LLC" resolving an investigation by Texas, Georgia, Florida, Alabama, Alaska and the District of Columbia "into complaints about unauthorized loans and GreenSky's oversight and training of the businesses which offered financing through Greensky." Alaska says it will receive $111,714 of penalties and attorneys' fees and that the settlement sets up a restitution process "through which GreenSky will provide up to $6 million of cash or credit redress to consumers." On May 28, 2026, the Texas Attorney General announced the same settlement, saying it totals $10 million "accounting for consumer restitution, civil penalties, and other fees paid to the states," and that injunctive measures include "heightened protections for senior citizens and disabled individuals, as well as yearly compliance reporting." The Texas release says consumers alleged that loans were issued without their knowledge, loan terms were misrepresented, and GreenSky failed to cancel loans on valid requests; these are the states' descriptions of consumer complaints. Banking Dive, reporting on the settlement, quotes a GreenSky spokesperson: "The resolution is clear that GreenSky has not admitted any liability or wrongdoing, and the agreement largely aligns with the GreenSky Program's current consumer protection processes that have been in place for several years," and that the inquiry "first commenced approximately six years ago under prior ownership." Banking Dive also reports a $575,000 civil penalty, $2.9 million in attorneys' fees and costs and $6.5 million in restitution; the primary releases read for this page give the $10 million total and Alaska's "up to $6 million" figure, so those figures are attributed to Banking Dive. The settlement document itself was not found in the sources checked on October 7, 2026.

GreenSky background: entities, banks and ownership history

Entities. GreenSky, LLC is the entity named in the CFPB order and BBB profile, with its principal office at 5565 Glenridge Connector, Suite 700, Atlanta, Georgia 30342. The company's footer says GreenSky Servicing, LLC (NMLS #1416362) services program loans on behalf of lenders. The Texas Attorney General release names GreenSky Holdings, LLC and GreenSky, LLC, and the GreenSky Program Privacy Policy (effective June 18, 2025) says GreenSky, LLC acts "together with its affiliates and subsidiaries (including GreenSky Software, LLC and GreenSky Marketing, LLC)." BBB lists the business start as May 10, 2006, and the company's website footer is dated "2006-2026." The June 16, 2026 American Fintech Council release names Ritesh Gupta as GreenSky's CEO and says the company says "nearly 6 million consumers have financed more than $50 billion" through its technology.

Ownership history. GreenSky, Inc. was a public company; the 2021 CFPB order calls it "the ultimate parent of Respondent." On March 29, 2022, Goldman Sachs announced it had completed the acquisition of GreenSky, Inc. in an all-stock transaction. On October 11, 2023, Goldman Sachs announced an agreement to sell "the GreenSky platform and associated loan assets to a consortium of institutional investors led by Sixth Street," consisting of "funds and accounts managed by KKR, Bayview Asset Management, and CardWorks," with PIMCO and CPP Investments in supporting roles as described in that release. On March 15, 2024, GreenSky announced it had "completed the previously announced acquisition of the company by a consortium of institutional investors led by Sixth Street and including KKR, Bayview Asset Management and CardWorks from Goldman Sachs," and that it was deepening its partnership with Synovus Bank. Apollo is not among the consortium members named in those two releases; no Apollo ownership of GreenSky was identified in the sources checked on October 7, 2026. This page reports ownership as the companies announced it and does not describe how the consortium's interests are divided.

Banks. As of October 7, 2026, the company's Bank Partners page names Pinnacle Bank, a Tennessee bank doing business as Synovus Bank (Columbus, Georgia), and Comenity Capital Bank, a Utah state-chartered bank (Draper, Utah). Earlier loans may have been made by other lenders; the borrower's loan agreement names the original lender.

GreenSky complaint record: BBB, CFPB database and Trustpilot (as displayed October 7, 2026)

This site's archive. No approved posts about GreenSky were found in this site's complaint archive on October 7, 2026, so this page does not rely on reader complaints and shows no complaint themes.

BBB. BBB profile for GreenSky, LLC, Atlanta, GA, as displayed on October 9, 2026 (counts re-read that day): not BBB Accredited, BBB rating A; 204 total complaints in the last 3 years and 74 complaints closed in the last 12 months; 1.15 out of 5 from an average of 53 customer reviews. BBB's rating explanation lists "7 complaint(s) filed against business that were not resolved." BBB's own page data show the file opened April 14, 2009 and business start May 10, 2006.

CFPB Consumer Complaint Database. A company-name lookup for "GreenSky" on October 7, 2026 returned two names, shown separately here and not added together. "GreenSky, LLC": 698 complaints, the first received August 13, 2013 and the last January 21, 2023; none received since October 7, 2025. Products listed most often: "Payday loan, title loan, or personal loan" (292), "Debt collection" (127), "Credit reporting, credit repair services, or other personal consumer reports" (117), "Consumer Loan" (65) and "Credit card or prepaid card" (60). Company responses: closed with explanation 579, closed with monetary relief 74, closed with non-monetary relief 45. "GREENSKY OPERATIONS, LLC": 559 complaints, the first received January 27, 2023 and the last September 29, 2026; 248 received since October 7, 2025. Products listed most often: "Payday loan, title loan, personal loan, or advance loan" (251), "Credit reporting or other personal consumer reports" (180), "Debt collection" (88), "Credit card" (32) and "Mortgage" (3). Company responses: closed with explanation 465, closed with non-monetary relief 81, closed with monetary relief 12, in progress 1. The database does not state how the two names relate, and it holds consumer-submitted complaints that the CFPB does not verify for accuracy; product labels are the CFPB's categories, not GreenSky's.

Trustpilot. The Trustpilot page for www.greensky.com showed on October 9, 2026 an unclaimed profile with 99 reviews and a 1.5 out of 5 score, with 87 percent of reviews at one star and 5 percent at five stars as displayed. Trustpilot notes "No history of asking for reviews. This company hasn't invited their customers, so reviews may not be representative." Trustpilot does not fact-check reviews. The company's own website displays a separate "4.9" rating from "11,731 Reviews" without naming the review platform on the page text retrieved. These figures come from different sources and are not combined.

GreenSky in court: California fee class action and the 2021 IPO securities settlement

Belyea v. GreenSky, Inc., No. 3:20-cv-01693-JSC (N.D. Cal.). Plaintiffs allege that GreenSky's transaction fees, which merchants pay, violate California consumer protection statutes. Judge Jacqueline Scott Corley's order of January 2, 2025 granted class certification as to the transaction fee claims for people who secured a GreenSky loan in California with a principal of $500 or more and a transaction fee of at least 1 percent of principal between January 9, 2016 and January 2, 2025, and denied GreenSky's motion to exclude plaintiffs' expert. The order granted GreenSky's summary judgment motion in part and denied it in part. On May 13, 2026, the court denied GreenSky's motion to decertify the class, noting GreenSky's "new merchant declarations and employee testimony" and ordering class notice. Plaintiffs' counsel (Cohen Milstein) reports that the Ninth Circuit denied GreenSky's Rule 23(f) petition on May 2, 2025; a Ninth Circuit docket (No. 25-322) shows the petition filed January 17, 2025. The CourtListener docket, read on October 7, 2026, shows entries through number 522 (October 5, 2026), including an order on plaintiffs' motion to amend the class definition (July 10, 2026), summary judgment filings (August 5, 2026) and a settlement conference entry dated September 23, 2026; the docket text read did not state what was decided or discussed, and it showed no final judgment. GreenSky has contested the claims in this litigation; these are allegations and class-certification rulings, not a finding of liability.

In re GreenSky Securities Litigation (Mustafin v. GreenSky, Inc.), No. 1:18-cv-11071-AKH (S.D.N.Y.). This was a securities class action about the company's 2018 IPO, not a consumer-account case. The settlement notice says it resolved allegations that GreenSky, certain officers and directors, and underwriters violated the Securities Act of 1933 in the IPO offering documents, for $27,500,000 in cash, and says the defendants deny wrongdoing. The court entered its Order and Final Judgment on October 22, 2021.

The CFPB order and the 2026 multistate settlement are regulatory matters and are described in the section above.

Is GreenSky Legitimate?

GreenSky, LLC is an Atlanta, Georgia company that lists a published address, phone lines and email, a BBB profile (rating A, not accredited, as displayed on October 9, 2026) and an NMLS number for GreenSky Servicing, LLC, and the company says it is not a lender: its loans are made by program banks it names. The record includes a 2021 CFPB consent order over unauthorized loans, a May 2026 multistate settlement over similar complaints that the company says involved no admission of liability, a certified California class action over transaction fees, and a 2021 securities settlement. Per the companies' announcements, a Sixth Street-led consortium has owned GreenSky since March 15, 2024, and Goldman Sachs owned it from March 29, 2022 until then. Third-party profiles differ in their figures (BBB 1.15 out of 5 from 53 reviews, Trustpilot 1.5 out of 5 from 99 reviews, CFPB database counts shown per company name), and this page offers no rating or verdict of its own.

Court & Public Records

Company Relationships

• Owned by: Sixth Street-led consortium (Sixth Street, KKR, Bayview Asset Management, CardWorks)
• Affiliated with: Goldman Sachs (former owner, March 2022 to March 15, 2024)
• Affiliated with: GreenSky Servicing, LLC
• Affiliated with: GreenSky Holdings, LLC
• Affiliated with: Pinnacle Bank (dba Synovus Bank)
• Affiliated with: Comenity Capital Bank

Frequently Asked Questions