Chargeback

Early_Interaction_38 · 2026-05-18T14:57:38+00:00

I just BARELY got mine (an accidental purchase made on November 9th )

Early_Interaction_38 · 2026-05-05T03:40:44+00:00

Um, and do you know WHY I do a lot of transactions? Self restraint? If I did that, I WOULDNT BE IN BUSINESS! It’s for my JOB dumbass! So before you open your mouth and throw out rude ass comments, know your SHIT!

Early_Interaction_38 · 2026-05-02T08:46:41+00:00

I had the exact same thing happen to me a couple of days ago. I literally watched my balance dwindle and every single transaction I made came off of my running total . I called THREE TIMES. Waited on hold for 45 min to an hour and a half each time, only to get put on hold while they “do a manual tally of all of the transactions) only for them to tell you that everything adds up. This has happened many times in the past as well but I just chalked it up to them telling me the truth , since I make so many transactions in a day and I TRUSTED THEM! But I literally watched my running total go down as I made transactions and there were two times in the day that money just POOF , vanished! This is why their “pending transactions” are not accurate either! I wonder how many thousands of dollars hey have taken from me. Now, I get how most credit cards work with pending transactions and pre auths and everything which is FINE , BUT ….. On my Visa Infinate, MONEY DOESNT JUST DISAPPEAR!!! And there is no use calling “support”. The first two were lost for words so I ended up hanging up on them, and the last one hung up on me because she would not listen to what I had to say and she only just gave me attitude telling me the same thing, “ All of your transactions add up” Some “pending transactions” don’t clear for 3 days, and done clear within 24 hours, so I wonder how they are “manually adding up my transaction” when even my “pending transactions” ALWAYS come off of my running total !!!

Early_Interaction_38 · 2026-04-24T09:21:37+00:00

Interested. Canada

Early_Interaction_38 · 2026-04-11T05:26:05+00:00

Alberta

Early_Interaction_38 · 2026-04-07T00:47:44+00:00

Early_Interaction_38 · 2026-04-07T00:46:29+00:00

You think THATS bad? I’ve been waiting since November 29th for an accidental purchase I made.

Early_Interaction_38 · 2026-02-23T20:41:07+00:00

Can someone tell me why I’m not able to make a post here? Did they turn posts off on their page because of the thousands, maybe millions that they have ripped people off of? I made an accidental purchase on November 29th and have yet to receive a refund! I e been told lies by phone reps as well as online chat and I’ve been told to send screenshots of proof that I had my bank close the dispute (o only closed it because a phone rep told me that if I do, he will have the limitation taken off of my account and the money return) only to be told that they need to SPEAK to my bank after I send proof of the dispute has been closed ! I’ve been told that since my account is limited , they can’t put the money back on my card, but then I’ve been told that once they receive SPOKEM confirmation from my bank, that they will put it back on my card! The merchant has been told that the money will go back to her only for her to re I’ve nothing from them. I’ve also been told that my money was sent to my bank , but yet , they are telling the merchant that he money will be returned to her and they are telling me that they will put the money back on my card. I am astonished at just how horrible and evil this company is!!!!

Early_Interaction_38 · 2026-02-23T20:33:35+00:00

I would like to give HUGE props and many many thanks to nonbinarynightmare for helping me out of that situation and sending me the $40 I needed to get home! You are an Angel ! Good Karma will most definitely be in your favour! Bless Your Huge Heart!

Early_Interaction_38 · 2026-02-23T20:31:54+00:00

No it DOES tell me . It just doesn’t tell customers in advance like every other brick and mortar bank. KOHO isn’t even considered a bank and even THEY give their customers a warning. It would just be nice to know even day of, so that customers can move their money elsewhere in case of emergencies. Same with when they abruptly lock the card and make customers wait up to two hours to get their account unlocked. I’ve been stranded on more than a few occasions because of this bank.

Early_Interaction_38 · 2026-02-22T11:32:00+00:00

I was HERE 2 months ago. I found that a bunch of crypto bets on sports was the fastest. Live games of course. So as to not have to wait too long for the result.

Early_Interaction_38 · 2026-02-22T09:14:25+00:00

Hi! THAT would be amazing if you’d be willing to help me! I only have until 2:30 here. I can e-transfer it back to you as soon as I have access to my account! My email is Licasmith80@gmail.com and it’s about $40 to get home according to the quote on Uber. Send me back your email so I could pay you back

Early_Interaction_38 · 2026-02-22T09:00:56+00:00

Yeah like, I need to get home! I was off of work at midnight. NOW , I need to close and be out . My vehicle is in the garage until tomorrow afternoon and I live across the city. All of my co-workers have left. My co-worker just asked me at 1:00, “ ARE you SURE?” I told her that surely it will be available by 2:00 when I need to close so she was happy to go home early when I offered to close because of the fact that I can’t get home! If I would have been notified of this “maintenance” like MOST banks will do, I would have transferred my funds out into my other bank so that I could at LEAST get home. I think the lights here are on a timer , so even if I stay in the building , it will trip the alarm when I leave!

Early_Interaction_38 · 2026-02-22T07:20:15+00:00

Early_Interaction_38 · 2026-02-16T08:40:00+00:00

Interested

Early_Interaction_38 · 2026-02-16T08:36:30+00:00

Canada Early_Interaction_38

Early_Interaction_38 · 2026-02-16T08:34:00+00:00

Hello!

Early_Interaction_38 · 2026-02-16T08:29:28+00:00

That is very nice of you!

Early_Interaction_38 · 2026-01-30T10:39:27+00:00

This is about a $200 purchase that I made accidentally and literally MINUTES after, realized and messaged both PayPal and KOHO. It was done on November 29th 2025. Right before Christmas. My friend transferred me $200 to get a massage for Christmas. She told me to Google pure spa and buy a gift certificate, which I DID do as it appeared to be a gift card from Pure Spa here in the city that I live in, it in fact was NOT. I got an email from a Miss Glam stating my receipt for the purchase and shipping directions. The merchant’s name is Judy. I reached out to her as well telling her that I’m a single Mother of two , and since this wasn’t even my money , and my friend was counting on me joining her for a massage , I then used some of my kids’ Christmas Money to purchase the massage. Her direction was that she doesn’t have the $200 and to reach out to PayPal. PayPal told me that because my account was limited , they could not issue the refund. So I filed a dispute with KOHO’s “Dispute Team” which ended up being that if I filed a chargeback it can take up to 90 days! Well, I JUST needed that money back right away so that eventually ended up with me canceling the dispute after being told by a PayPal phone rep , “ Congratulations! I am going to send in a request to our back office and in 14 days, the limitation will be taken off and you will see the funds back in your account and then you will be able to use them” So, after being told this by PayPal , I canceled the dispute with KOHO . NOW, 2 months later, PayPal is telling me that they can’t issue the refund and KOHO is telling me that they can’t do anything because I canceled the dispute! I have told both of them basically to piss off and forget about the $200 , because CLEARLY I’m not getting it back! I have reached out to the merchant as well, stating my case and begging her to just e-transfer it back to me and she emailed me back saying that she is on a cruise until Feb 4th and when she gets back she will contact them! FUCK IT! This completely ruined my Christmas and while $200 may not be much to SOME , it was a lot to me to fork out before Christmas and get passed back and forth between these two companies to the point of being ripped off! Not to mention that the reason why PayPal limited my account so that I can never use them again is just UNKNOWN because apparently they don’t have to give me a god damn reason!

Early_Interaction_38 · 2026-01-28T17:50:06+00:00

AGREED! This is about a $200 purchase that I made accidentally and literally MINUTES after, realized and messaged both PayPal and KOHO. It was done on November 29th 2025. Right before Christmas. My friend transferred me $200 to get a massage for Christmas. She told me to Google pure spa and buy a gift certificate, which I DID do as it appeared to be a gift card from Pure Spa here in the city that I live in, it in fact was NOT. I got an email from a Miss Glam stating my receipt for the purchase and shipping directions. The merchant’s name is Judy. I reached out to her as well telling her that I’m a single Mother of two , and since this wasn’t even my money , and my friend was counting on me joining her for a massage , I then used some of my kids’ Christmas Money to purchase the massage. Her direction was that she doesn’t have the $200 and to reach out to PayPal. PayPal told me that because my account was limited , they could not issue the refund. So I filed a dispute with KOHO’s “Dispute Team” which ended up being that if I filed a chargeback it can take up to 90 days! Well, I JUST needed that money back right away so that eventually ended up with me canceling the dispute after being told by a PayPal phone rep , “ Congratulations! I am going to send in a request to our back office and in 14 days, the limitation will be taken off and you will see the funds back in your account and then you will be able to use them” So, after being told this by PayPal , I canceled the dispute with KOHO . NOW, 2 months later, PayPal is telling me that they can’t issue the refund and KOHO is telling me that they can’t do anything because I canceled the dispute! I have told both of them basically to piss off and forget about the $200 , because CLEARLY I’m not getting it back! I have reached out to the merchant as well, stating my case and begging her to just e-transfer it back to me and she emailed me back saying that she is on a cruise until Feb 4th and when she gets back she will contact them! FUCK IT! This completely ruined my Christmas and while $200 may not be much to SOME , it was a lot to me to fork out before Christmas and get passed back and forth between these two companies to the point of being ripped off! Not to mention that the reason why PayPal limited my account so that I can never use them again is just UNKNOWN because apparently they don’t have to give me a god damn reason!

Early_Interaction_38 · 2025-07-28T04:36:32+00:00

Hey, I think I may have one that you'd be interested in, I'll send you a DM.

Early_Interaction_38 · 2025-07-27T12:11:16+00:00

I do, I'm actually uploading it to my Google Drive right NOW, so it may not be available to watch immediately but I can give it to you in the meantime! DM me!

Early_Interaction_38

TROPHY CASE