Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/07/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was blatantly misled by Green.Moneys partner, ***********. I was told their service would support ******* via *** next month a false claim that directly led me to apply and pay $250.93 upfront, followed by a $20 subscription debit, totaling $270.93. After onboarding, Green.Money admitted there is no ******* or NMI integration. I requested a refund immediately and was told they have a no-refund policy, even though their own materials mention a refundable $150 deposit. Theyve refused to take responsibility for their partners false claims and are hiding behind policy instead of doing whats right. This is not a misunderstanding its a deliberate bait-and-switch. I've attached proof of the misrepresentation.

  Business Response

  Date: 06/09/2025

  Thank you for bringing this matter to our attention. After thoroughly reviewing your complaint and the supporting documentation, we agree that the information you were given by one of our *** sales partners was incorrect. Specifically, ******* does not currently support third-party payment connections such as ours. While we are actively working with *** on a potential integration that may allow for future compatibility, no timeline has been confirmed at this time.
  
  
  We pride ourselves on transparency and accuracy in our sales process, and the team at ****** is generally known for their integrity. In this case, it appears the agent may have been misinformed, and we sincerely apologize for both the inaccurate information and for the fact that our support team did not more thoroughly investigate your concerns when you first reached out.
  
  
  To resolve this, we are issuing a full refund to your original payment method. Additionally, we will be addressing the response you received from our support team in our upcoming internal meeting. Appropriate corrective actions will be taken to prevent similar issues in the future.
  
  
  We appreciate your patience and understanding, and again, we apologize for the inconvenience this caused.
  
  
  

  Customer Answer

  Date: 06/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:07/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greenbyphone ,com trying to debit my bank acct for $250 for christian **** free counseling **** of **** I never agree or singed up for any services. Transaction #******** transaction ID# ******* (I-************) i called and they refuse to do anything about this matter.

  Business Response

  Date: 08/02/2023

  Thank you for reporting this issue to us. 
  

  As an eCheck processor, Green By Phone doesn't directly manage the funds involved in the transaction. If you've identified potentially fraudulent charges from one of our merchants, we recommend contacting your bank immediately. They can take appropriate measures such as establishing a stop payment or launching a fraud reversal.
  

  As a note, this specific merchant has demonstrated a solid standing with us since 2016, and in business since 2006.

  Customer Answer

  Date: 08/02/2023

   
  Complaint: 20403067
  
  I am rejecting this response because: they are the one emailed me and refuse to do anything when i spoke to *******. they need  to cancel this transaction themselves.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/02/2023

  ***,

  Once a transaction has been processed and posted to your bank, our ability to intervene is unfortunately no longer possible. While we appreciate your belief in our capacity to assist, the control now lies with your financial institution. It is your bank account and hence you need to provide instructions to your bank about your desired next steps. The decision on what action to undertake against the payee then rests with your bank.

• Initial Complaint

  Date:09/07/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  All the checks for 2 clients 1 for ***** with 4 payments and one for 3k from one payment that were supposed to be payments from clients, all bounced with the reason code and reason from the bank that the accounts do not exist The checks all bounced and were not deposited due to account unknonw no account number could be found These checks did not clear green money aka green by phone, has been provided images of the checks, images of the reason for no deposits, screenshots of the bank withdrawing the funds because the check bounced and every piece of documentation the bank has They still will not refund the processing fees or the other fees associated.Green.money has failed to provide the refund they state they will do for sending my bank checks to accounts that do not exist They failed to verify the checks or the account numbers They failed to ensure that the checks would clear They failed to notify of any risk They failed to return the funds I want fees for all of these checks returned to me immediately I will be filing a complaint with the attorney general and everywhere online unless this is resolved.

  Business Response

  Date: 09/08/2022

  *****,
  
  We are sorry that you had issues with recent checks processed through our system. We will address each one below:
  
  "All the checks for 2 clients 1 for ***** with 4 payments and one for 3k from one payment that were supposed to be payments from clients, all bounced..."
  We set limits on your account, and you bypassed those limits by entering multiple checks from the same person/entity instead of a single check for the total amount. We do this for your protection and consumer protection against possible fraud.
  
  "The checks all bounced and were not deposited due to account unknonw no account number could be found."
  We process checks as entered. If your bank received the items that you or your customer entered, we deposited them.
  
  "These checks did not clear green money aka green by phone, has been provided images of the checks, images of the reason for no deposits, screenshots of the bank withdrawing the funds because the check bounced and every piece of documentation the bank has They still will not refund the processing fees or the other fees associated." 
  Checks come with inherent risks. You accept the risk associated when you accept a check/s from a customer. The funds are not instant, as with Zelle, Venmo, or Wire Transfer. This is why our terms state that we do not provide refunds to your bank account on fees processed. However, in limited cases, we will give credit for fees that *** be used for future processing.
  
  "Green.money has failed to provide the refund they state they will do for sending my bank checks to accounts that do not exist."
  You uploaded images without return codes. You cannot upload images without the actual stamp from the bank or a bank letter showing the returned items and why. We rejected your request for a Fee Credit because you did not do these things. You *** do that process again; we will give a fee credit if done correctly. Also, we state that we do not issue refunds on processing fees. Our terms state, "As the merchant, You are responsible for everything entered by You or Your customer. In the event of a Returned Check to Your bank account, You *** report that returned check to Us online for a possible fee credit. If approved, the fee we charged You will be returned to Your merchant account as a Credit Only, which can be used towards future fees. It will not be refunded to Your bank account or payment method used. There are specific rules regarding reporting a Returned Check. In order to receive a fee credit, You must follow those rules. We will not issue a fee credit if Your submission breaks any of the rules listed on Our website or in Our Terms and Conditions."
  
  "They failed to verify the checks or the account numbers They failed to ensure that the checks would clear."
  We do our best with the information available in the electronic ************. We scrub against our previously reported bad data and against national verification databases that we pay for on each transaction. We also offer live verification services from our call center, which you *** have chosen not to use. Also, our terms clearly state, "Any invalid, fraudulent or missing data is Your responsibility..." 
  
  Our advice is two-fold: First, contact the payor/s and find out why they gave you insufficient data for the checks that were supposed to clear your bank account. Place the blame on the person or entity that authorized you to take payment. They provided incorrect data, or it was entered improperly. Second, re-enter the bad checks online for a fee credit, and make sure there is a clear return stamp or code on those images, or upload a letter from the bank showing the returned items and codes.
  
  Finally, do not bypass our rules or limitations by processing extra checks. 

  Customer Answer

  Date: 09/13/2022

   
  Complaint: 17930229
  
  I am rejecting this response because: you have been provided everything asked for to the literal letter of how my bank operates. See images 
  Also **** with green said she would get this resolved when we talked.
  
  So you have a choice to make, Either make this right, Or we file chargebacks on every charge subject to this from you and we file attorney general complaints and I look into possibly taking you to court. The choice is yours. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 09/13/2022

  *****,

  After reviewing your case, I see that both **** and ******* are attempting to assist you via phone and email.
  

  We have made it clear that your bank must provide the return reasons, via either return stamp or return code. You continue to provide neither, yet insist that we work with you outside of our rules, and our standard operating procedures.

  We cannot code the returns properly without having access to them. We also do not give fee credit without the proper return codes.

  Our staff has been very gracious and explained this numerous times. ******** last email with you was left unanswered and instead you write to us here. The BBB is a great way to resolve issues with companies that do not respond. We have been responding and working with you for days.

  We will be glad to do a 3-way call with you and your bank to let them know what we need. Every single bank in America knows what the return codes are when they receive one. They should have no problem providing that to you in written form, or via image.

  As to the continued threats, we are acting within our terms of service and within the law. If you wish to proceed with legal, whether personal or via Attorney General, that is your right. We are 100% comfortable giving any AG access to everything we have done, and continue to do, regarding your claim. 
  

  We do wish to work with you and resolve this matter. Please respond to ********************* support email, and if you like, let us know when we can do a 3-way call with your bank. We are certain it will put an end to this matter.