Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Greenlight Financial Technology, Inc
State: FL

Complaint narrative:
1. I ORDERED 3 GREENLIGHT CARDS IN XXXX XXXXXX/XX/XXXX In XX/XX/XXXX I was looking for a way to pay my XXXX kids money for chores in a form they could use to make purchases with money they earned. I found Greenlight and opted for a " custom card. '' I paid {$9.00} per card ( ATTACHED are the XXXX emails confirming these payments ). Based on Greenlight 's promotional material, and emails I received from Greenlight, I thought this {$9.00} was the only fee I would be charged. The first email I received from Greenlight was on XX/XX/XXXX [ ATTACHED ]. Nowhere in this email is there mention of a monthly fee. Weary of having my kids use a credit card type product, I changed my mind and never used the cards. Yet Greenlight has been charging me at least $ XXXX ever since. 

2. XXXXREENLIGHT KNEW I DID NOT CONSENT TO MONTHLY CHARGES BUT CHARGED THEM ANYWAY Greenlight failed to conspicuously disclose its monthly fee and knew or should have known that I did not use its product and did not consent to being charged $ XXXX. I never " activated '' the cards Greenlight sent me. A fact of which Greenlight is well aware given its many emails to me titled, Lets activate your card today! sent on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. [ Emails ATTACHED ]. I never set up an account or profile online, and never downloaded the mobile application. Another fact of which Greenlight was well aware as seen in its XX/XX/XXXX, email to me titled, Your Parent Wallet could use some love and its XX/XX/XXXX, email to me titled, Action Required Set up your Invest profile. [ emails ATTACHED ]. Tellingly, since XX/XX/XXXX, Ive received XXXX emails from Greenlight and not one mentions charging me $ XXXX. 

3. GREENLIGHT FAILED TO CANCEL AFTER EXPLICIT REQUEST TO DO SO IN XXXX & XXXX XXXX It was not until XXXX that I saw these monthly charges on my credit card statement. I emailed Greenlight on XX/XX/XXXX, and asked them to stop charging me and to refund my account for the reasons stated above. Greenlight customer service XXXX " XXXX '' responded on XX/XX/XXXX, and said I needed to use the app to cancel. But, as I told XXXX in a reply email on XX/XX/XXXX, I did not have the app because I never used the cards therefore I could not use the app to cancel. Despite my request ( and the known fact that I never activated the cards or sent up a profile ), Greenlight continued to charge my credit card $ XXXX. I emailed Greenlight again on XX/XX/XXXX. [ all emails ATTACHED ]. I also tried calling the number on their website and no one answered. Despite all of my efforts, it appears that Greenlight is STILL charging me $ XXXX for these cards that I've never used. 

4. CURRENT REQUEST FOR CANCELLATION AND REFUND I am requesting ( again ) that Greenlight cancel the cards and/or accounts in my name/my kids ' names and refund all monthly charges to my credit card. They can keep the amounts I paid for the custom cards ( {$9.00} x 3 ) as I did consent to those purchases. I hope that Greenlight has become more forthcoming in the years since I ordered its cards.

Company response to consumer: Closed with explanation