Total CFPB complaints
127
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 127 complaints
GreenSky, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GreenSky, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
47 complaints
- False statements or representation
False statements or representation
27 complaints
- Communication tactics
Communication tactics
20 complaints
- Written notification about debt 17
Written notification about debt
17 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about GreenSky, LLC?
GreenSky, LLC has accumulated 127 total CFPB complaints across 30 states, with 0 filed in the most recent 12 months against 127 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 18% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by California with 22 and Florida with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places GreenSky, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
30
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
57.4/100 composite
Response-quality profile
How GreenSky, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does GreenSky, LLC compare to its peers?
GreenSky, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-08 2022-11
Top Consumer Issues
False statements or representation27 (%)
Attempts to collect debt not owed47 (%)
Written notification about debt17 (%)
Communication tactics20 (%)
Took or threatened to take negative or legal action7 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 27 |
| Attempts to collect debt not owed | Debt is not yours | 26 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Communication tactics | Frequent or repeated calls | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Communication tactics | Called after sent written cease of comm | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against GreenSky, LLC come from?
The states where consumers have filed the most CFPB complaints against GreenSky, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GreenSky, LLC
Across 30 states with at least one filing
- California
California
22 complaints
- Florida
Florida
17 complaints
- Michigan
Michigan
12 complaints
- Texas
Texas
11 complaints
- Georgia 8
Georgia
8 complaints
- New York 8
New York
8 complaints
- North Carolina 6
North Carolina
6 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
Frequently Asked Questions
What is the most common complaint against GreenSky, LLC? ▼
The most common issue consumers report about GreenSky, LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 127 complaints filed with the CFPB.
Are complaints against GreenSky, LLC increasing or decreasing? ▼
Complaints against GreenSky, LLC have been stable. The company received 0 complaints in the last 12 months.
What is GreenSky, LLC's reputation grade? ▼
GreenSky, LLC has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does GreenSky, LLC respond to consumer complaints? ▼
GreenSky, LLC has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does GreenSky, LLC operate? ▼
GreenSky, LLC has received CFPB complaints from consumers in 30 states, with the most complaints from California (22 complaints).
What can I do if GreenSky, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If GreenSky, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |