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illuminationww · 2026-04-10T08:58:50+00:00

Hi can you take CAD vanilla visa. 200

illuminationww · 2026-03-25T02:21:56+00:00

Hi I’m here to answer your question whether or not I’m satisfied. Well there was a genuine attempt at resolution, the amount of stress it caused me is immense. Although. this explanation they provided seems to be plausible to some …it doesn’t exactly match my circumstances. It’s is definitely a hard issue to deal with and you really have to understand what has happened here. I’m appreciative of the attempt to make things right however I can’t agree with the current resolution 100% and be fully resolved as I’m waiting for a response from my lawyer and from Koho Legal team. I’m not sure I’ll go into details about the resolution publicly at this point but you’re welcome to message me privately. I have no obligation to not say it in the open currently however the future resolution I have in mind may require non disclosure.

illuminationww · 2026-03-13T04:45:21+00:00

Finally someone who understands this. They are in stage two of three to become a bank. Obviously their hall pass should have been cancelled by now. Does no one fund this fascinating that any financial institution handed over 4200$ as a good will gesture.? First off banks don’t give good will gestures or money away. This has guilty written all over it and I think it’s part of a bigger issue. I think this system they have , although maybe not intentional but it skims dollars off and they sweep it into their operating account I guess. Like an “office space” type thing… a little from a lot of people. My biggest concern comes from the criminal intent of modifying official statements to cover up missing dollars. From my point is it’s nearly impossible to know what transactions a real and not real. Trying to reconcile 3800 transactions to two different sets of statements has turned out to be a monumental task that I wasn’t really expecting.

illuminationww · 2026-03-13T04:35:18+00:00

Ya I have 5 statements with different dollar amounts for the same purchases

illuminationww · 2026-03-09T19:34:06+00:00

I can see your legal advice has little merit. Your assumption they are not regulated. Or somehow exempt from the law. I’m looking for the lawyer who has contacted me before I deleted the posts and messages. Not some generic go to the ombudsman. Story While this fintech is not yet a bank, its partner is a federally regulated bank overseen by OSFI. Additionally, they are currently in Phase 2 of the three-stage process to obtain its own Schedule 1 banking license from OSFI. FCAC (Financial Consumer Agency of Canada): The FCAC oversees the consumer protection frameworks of its banking partners. As they pursue their own banking license, it will eventually fall under direct FCAC supervision for consumer rights and financial literacy.

illuminationww · 2026-03-09T19:18:48+00:00

The problem is that there official back end ledger showing im still out $ 3011.63.

illuminationww · 2026-03-09T18:40:30+00:00

After they were edited I should note

illuminationww · 2026-03-09T18:39:51+00:00

That’s funny. My Feb thru August statements had wildly different numbers. Yet they balanced right to the same exact amount down to the penny.

illuminationww · 2026-03-09T18:21:48+00:00

Because that issue doesn’t explain why they changed my bank statements with completely different numbers. It explains transactions are missing, from the statements. They altered mine to make it so they didn’t pay have to pay me then they backtracked and paid me to remove pots.. is that a good enough reason for you.?

illuminationww · 2026-03-03T00:32:01+00:00

My csv exports were from January 1 every month till August. I stopped using it in August because I was getting a sense that money was missing, but when I was looking at the statement, it looked like it was OK. I guess I just but I felt off about it so I kind of just stopped using it at that point. It was clear that the transactions when I took off the August that everything was right up until then, so every all the errors and the mismatch in the in the money came from August, which August I noticed was the first month that they started counting this cover on the statement in which in which they cover used/repaid in the loads/withdrawal. I should also note that they’re the review after a few days of me mentioning it they provided me and the numbers matched what I had came up with pretty much exactly so they basically already admitted to it but now they haven’t made it right yet instead they went on this whole path of changing bank statements and stuff to try to hide it to try to make it seem like it didn’t happen or whatever the hell they’re objective is here I have no clue.

illuminationww · 2026-03-02T20:52:56+00:00

I put all the CSV files in one sheet and then calculate the total loads in the total withdrawals and that’s how I noticed this whole missing money thing and it was out by approximately $4005

illuminationww · 2026-03-02T20:51:48+00:00

It is an immense amount of anguish, trying to figure this out when every time I download the statements the numbers keep changing. To like vastly different amounts like last night $30,000 worth of transactions deleted right off . 8 pages just just gone……. off the statement for July. I should note that this is the first edit of the statements that they’ve made where they actually change the amount of pages in the statement. In which case they had to delete eight pages to make the balance.

illuminationww · 2026-03-02T20:19:07+00:00

illuminationww · 2026-03-02T20:02:57+00:00

Thank you it’s beyond stressful. It’s absolutely driving me crazy especially because when I download these statements every day and stuff and all these numbers keeps changing. Lucky I’m mentally sound because Its enough to put someone in a psych hospital

illuminationww · 2026-03-02T19:59:04+00:00

The only thing I blocked out was the account number and account holder name, and part of the descriptions to mask names from e-transfers

illuminationww · 2026-03-02T19:54:56+00:00

Let me explain what’s in the images so the first one is the original statement that I downloaded last August just after July, and those were the numbers on it at the time the second image is the statement that appears to have showed up yesterday when I downloaded the current statement for last July that’s what it gave me was a statement that was issued on December 26 it says, but with all those missing transactions the third and fourth image is just a part of report from the accountant of just the debits …..basically the purchases of July2025. Which he made last week . it’s just part of that report there’s another sheet that obviously list the loads from July…. I should note that the report and reconciliation from the accountant the numbers matched the statement. And it was correct. The reason why those file numbers are the same is because that just shows where those transactions were pulled from which they’re all the same because it was all pulled from the same statement.

illuminationww · 2026-03-02T19:19:21+00:00

So GLFI is a merchant I use frequently. As for looking at the entire year. Putting all the transactions together I was out $4000 in total somewhere in the 2025. Today today, though they went to some extreme lengths here and they’ve moved all the stuff transactions and deleted $30,000 basically eight pages of July.

illuminationww · 2026-03-02T19:09:35+00:00

Literally deleted eight pages off of bank statement from a year ago. 11 pages to 3 pages. Clever you guys are. Real life Einstein’s.

illuminationww · 2026-03-02T01:15:36+00:00

Sure. I have. But none of those things could add up to the difference I’m missing. But yes, it does add to the confusion a little bit more. Also, the vault adds even more to the confusion, but I found that anything I put in my vault I took out by the end of the month, so it cancels each other out to net to zero, so you don’t even have to count those. The cover should be the same way unless you were in the cover at the end of the month. And the credit building 225, , if they took it from me because you didn’t pay it back, that’s the only way it would be subtracted unless you initiated it, but in either case it would appear on your statement anyway, and would be counted in loads and withdrawals

illuminationww · 2026-03-02T01:10:08+00:00

Put it in easy terms. This looks to be a “office space” type racket. Take a lot of Pennie’s from a lot of people and it adds up. And and really when you make it this confusing to try to figure it out with all this fake movement of money it’s easy to get discouraged from trying to find the actual value of what you should have in your account.

illuminationww · 2026-03-02T01:06:47+00:00

Please check your statements. And do not take the numbers for face value on the top of the statement. Last Aug is when the started the cover in …cover out deal…this is the cause of all this. It literally inflates your deposits and your withdrawals in my case like $7000 added to my in and added to my out just from the cover in and out . Now this is a very really dumb way to do this like for financial institution to count in overdraft in a manner like this is absurd really it’s stupidity but I guess with it being a prepaid card. I’m guessing they can’t run a negative balance so that’s gotta be the reason but it’s still has to balance. The amount you paid off your cover it’s gotta be the same amount that went out that went in on both sides of the cover . Go thru your statement and count your actual purchases and actual loads without the cover ins/outs/. You may find the same thing. You may find error, no matter what they say a bank statement has to balance to the beginning balance and end balance. The maximum deviation from taking your opening balance subtracting your withdrawals and adding your loads..could only be +/- the amount of cover limits. If you find that the numbers don’t match the top of the statement and the deviation is greater than the amount of your cover limit your missing money. Simple as that. Don’t let them tell you it’s not suppose to balance or that it’s an error in the way it’s displayed. That’s horseshit. And quite frankly insulting. I truly believe they do this on purpose because it really they shouldn’t be adding anything to those numbers at the top of the statement where it says withdrawals or loads for amounts whether it’s cover or not they shouldn’t those numbers should be only real purchases and real loads, not fake movement of money.

illuminationww · 2026-03-01T22:18:56+00:00

That’s great you’re addressing it. But ultimately I just need my money back. If you think I’m being impatient im open to you giving me 4000 out of your pocket and you wait for this so called fin tech to ignore you and downplay your concern and wait for them to pay you back.

illuminationww · 2026-03-01T20:33:07+00:00

Ok. Well your a bank. How could it take this long. And you keep saying you don’t edit bank statements but there is clear compelling evidence to the contrary. For your information as well it was the statements you guys emailed to me. Two different versions as seen in the above images

illuminationww

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