ervice Titan just informed me they are unaware of GreenSky's bait and switch scheme they are using to victimize those they refer. Green Sky is lying to Service Titan and saying there's no minimum while then suspending accounts and demanding a $100,000 minimum be met aggressively a month into the contract.
We signed up as a merchant for Green Sky based on a recommendation from our job booking software, Service Titan. When Green Sky was advertising to us and to Service Titan they told us there would be no minimums and that this would be just an easy add-on option for the convenience of our customers. We quickly found out that Green Sky operates a bait and switch type hustle.
Within a couple of months of offering financing and after signing up several people with various plans we received a concerning phone call from a Green Sky representative where they were extremely disparaging and insulting and implied that we were "wasting their time and resources" by lending to less fortunate people. And basically asked us to discriminate against who we offer financing to and try to only offer it to people who can afford the short term options (pay off in 6 months, no interest, etc). When I let him know that we have to offer financing to everyone and withholding that information and discriminating against who we lend to is not only unethical but illegal. He then got rude with me and told me he was just going to deactivate our account (since we were not on board with the classism I assume). At that time I also reminded the Green Sky rep that all of our calls were being recorded and what he was saying was extremely troubling. He quickly tried to backpedal, deny everything he said (too late) and then the gentleman hung up and we quickly realized our account had been suspended.
We called Service Titan and were made aware that Green Sky is not following their agreement as Green Sky had lied to Service Titan and told them that there was no minimum and they would work with us. What Green Sky really does is get you signed up under false pretenses then about a month or so in you will receive a phone call from a Green Sky rep. That rep will threaten to suspend your account immediately if you do not agree to the following terms:
1) You actively "look" (discriminatory) for clients that can "afford" to do short-term financing, not long-term (3mo, 6mo no interest, etc) (asking to not sign up those who can't afford short-term financing).
2) You must offer Green Sky Financing as your FIRST option for payment, meaning no matter what job you're doing (even service calls) you have to push your customer to at least apply for greensky or they will suspend your account and tell you that you're not a good fit for greensky.
3) You must agree to do at least $100,000 in financing as a merchant and you are encouraged to sign up people no matter what circumstance even when they've already objected.
We actually agreed to try and achieve the 100k mark but we believe that since we raised concerns about their ethics and predatory lending practices they refuse to work with us. We have been falsely told it would be turned back on numerous times on a recorded line and nothing has come of it. Also, everything stated in this review can be verified with the recorded phone conversations that we have saved in Service Titan when your agent called us. He also refused to give his name after I made him aware that what he was asking us to do was discriminatory and illegal.