Complaints
This profile includes complaints for Telhio Credit Union Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 18 total complaints in the last 3 years.
- 5 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:03/04/2025
Type: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.
Someone used my account and was using it for thier ******** account. The bank gave them the funds out of my account when I approved to them that my ******** was closed for over a year they still refused to give me my money back on the over draft fees and money that they paid on behave of someone else. This is a fraudlent transaction it has no relation to me. ***** the manager says they will not be doing anything as this is faud but they will not give no more than thetwo charges back.
Business Response
Date: 04/09/2025
Dear Ms. *********************************** has received your complaint submitted to the Better Business Bureau on 3/4/2025. After thoroughly reviewing the situation, we have determined the following:
On 2/22/2025, you contacted Telhio to dispute several transactions on your account. Subsequently, on 3/4/2025, you contacted our team as you had only been refunded for two transactions. Our ************** agent noted that several of the original transactions were beyond the 60-day dispute window. Nonetheless, they assisted you by attempting a conference call with the vendor and providing trace information for the outstanding transactions. The plan was for you to contact the vendor and update the agent on the results.
In addition to this, Telhio decided to extend a courtesy refund by honoring a total of 12 fees to you. We believe this represents the best possible resolution for your concern.
We consider this matter to be closed, but we sincerely value your membership and appreciate your feedback. If you have any additional questions or would like to discuss this matter further, please don't hesitate to reach out.
Thank you again for sharing your concerns with us.Initial Complaint
Date:02/24/2025
Type: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.
A cash bonus of $250 was not deposited in my account when I opened the account following all the rules that they set forth for the account opening this is a fraud there is no $250 cash bonus because I did not get mine I want my cash bonusBusiness Response
Date: 03/10/2025
Dear Mr. *******,
Telhio is in receipt of your complaint with the Better Business Bureau submitted on 2/24/2025. After reviewing the details of your inquiry with the BBB, we have determined the following:
On October 3, 2024, Mr. ******* began the process of account opening online. On November 11, 2024, he completed the process to open his account, using a promotional code of “SAVE250”. This was not a valid promotional code. Mr. ******* called the Contact Center on 2/25/2025 to inquire about the promotional money that he believed he was entitled to. It was at this time that Mr. ******* stated that he was given the code “SAVE250” by an agent that he spoke with via the Chat function in online banking. Chat records confirmed that the agent did not give the member a promotional code. Call records were also reviewed to confirm that no agent provided Mr. ******* with a promotional code. Mr. ******* then stated that he must have received the promotional code via the promotional flyer he received in the mail. Mr. ******* was informed that if he could provide copy or photo of that promotional flyer in question, it would be honored. Mr. ******* declined this option.
Telhio determined that we are unable to offer the promotional funds due to the utilization of an invalid promotional code.
Please let us know if you have any additional questions******* **** - Chief Operations Officer
Initial Complaint
Date:02/10/2025
Type: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.
On 12/16/24 I was approved for an Auto refinance loan through Telhio (my current car that I was refinancing is through them). I was refinancing due to a special that they had on loans for the beginning of the year. I worked with ******* ****** to get the loan approved. He ran my credit and I sent over the required documents for the loan.
I realized on 1/2/25 after not hearing from him that I missed the marriage certificate needed to verify my name change. I then sent that to him, he responded and a week later I asked him how the loan was coming along since I had a payment coming up on the car.
Since 1/9/25 I have emailed and called up to 6 times. I have left messages to his office and I even talked to the man who works next to him but he will not answer or call me back. He ran my credit and now refuses to answer me to complete the loan he started. I still have supporting emails and I can pull phone records to show when I called him.
Business Response
Date: 02/20/2025
Thank you for reaching out. This response is in reply to your inquiry regarding a vehicle loan. For your protection, we reply with limited detail concerning your account. It is our understanding that we have contacted you to resolve the matter. We appreciate your business. If you have additional questions, please do not hestitate to reach out to us again. Than you for your understanding.
Customer Answer
Date: 02/20/2025
I accept the business's response to resolve this complaint.
Regards,
******** ******Initial Complaint
Date:08/30/2024
Type: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.
Received a notice via mail late 2023 TELOHIO (formerly Columbus Metro) of a *** being withdrawn from my IRA *** The *** check was never received.
This Spring (2024) I received blank forms for *** withdrawal which caused me to inquire in person at the ***************** branch August 2024. The Assistant Manager (female) took my information via the teller as she was at lunch and would be calling me that afternoon. The call was never received. I called the TELOHIO *************) customer service number providing once again my contact information, no call received.
Following a trip out of state last week, I asked my husband to call as a follow up, he waited 35 mins on hold to finally be transferred to a contract overflow call center. My husband spoke with supervisor (****) of the call center who explained they have limited access to accounts and would forward our request for telephone call back.
Getting online, there is NO corporate contact numbers for TELOHIO. Not sure if our deposits are protected or in jeopardy.
Please inquire for me and apparently other depositors.
Business Response
Date: 09/09/2024
September 5, 2024
*************************
**********************************************************************************
RE: BBB Complaint# ********
Dear ******************,
Telhio Credit Union values your membership and thus reviews all feedback to help enhance your member experience.
We apologize for the service and lack of follow-through after visiting our Reynoldsburg Branch regarding your RMD contribution form.
Per our conversation today you have been working with ********************* our IRA ********** to resolve your concern and agreed at this time there is no further assistance needed. I have provided my direct contact information for any future service issues or concerns so we may continue to improve our processes and efficiencies to help build your confidence in us when it comes to your banking needs.
We appreciate you and thank you for your membership.
Sincerely,
*********************
VP of Member Service .Initial Complaint
Date:07/10/2024
Type: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.
My telhio accounts were recently closed out without my permission or contact. I called and spoke with a represenative today who informed me on what happened and why. Apparently there was an attempt to withdraw funds from the account when it didn't have any. The credit union charged my account for insufficient funds, they closed the account and took my CD to pay the balance. I have since moved and haven't set up my forwarding address ass of yet. The funds are probably lost in limbo until this is corrected. Is there anyway I can get $85 back that was taken out of my CD?Business Response
Date: 07/18/2024
*********************
RE: BBB Complaint ******** Dear Mr. ******,
I am in receipt of the Better Business Bureau (BBB) complaint you filed on July 10, 2024 regarding the closure of your account(s). For your records I have enclosed a copy of your transaction history for your checking account ending in ***** as of January 1, 2024 through the account closure date of July 9, 2024.
In reviewing your transaction history over the 6 month time frame, you can see that your account has often been overdrawn beginning in March 2024 and subsequently brought to a positive balance. Transactions that caused your account to overdraw were completed using your debit card. On May 18, 2024 your account was overdrawn -$13.96. Once your account is overdrawn for 45 days it is written off as a loss and reported to **** *******. On July 8, 2024 your account was overdrawn -$85.94.Instead of charging off your account and reporting it to **** *******, this amount owed was withdrawn from your CD to payoff the overdrawn checking, and as a result all accounts were closed due to mismanagement. A check for the remaining balance in your CD account was then mailed to your last known address of record. If you have not received this check, please contact our Call Center at ###-###-#### to begin the process of having a stop payment processed, and a new check issued.
Should you have any questions regarding the above closing process or timeline, please contact us direct at ###-###-####.****** *********** VP Asset Protection
Customer Answer
Date: 07/18/2024
I accept the business's response to resolve this complaint.
Regards,
****** ******Initial Complaint
Date:03/22/2024
Type: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.
Vehicle loan was paid in full on February 5, 2024 by Hugh White Honda in the amount of $9,003.09. I telephoned Telhio on February 5, 2024, to verify loan was paid in full. I then spoke with Cheryl at Telhio on February 15, 2024, who indicated she would mail me documentation stating the loan had been paid in full. I have received NOTHING as yet. I telephoned again on March 22, 2024, spoke with Cody Chapman requesting same documentation.Business Response
Date: 03/27/2024
***********
Dear ******,
We are in receipt of your complaint with the Better Business Bureau submitted on 3/22/2024. After reviewing the details of your inquiry with the BBB, Telhio has determined the following:
Our records indicate you have been mailed a payoff letter on 3/22/24. You should receive this letter in the mail soon. Please let us know if you do not receive it or have any additional questions.
Thank you,
Telhio Credit UnionCustomer Answer
Date: 03/28/2024
I accept the business's response to resolve this complaint.
Regards,
****** ****Initial Complaint
Date:12/20/2023
Type: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.
A fraudulent loan was taken out from Telhio in my name for $9,490. Telhio has acknowledged the fraud but has NOT removed the balance from my credit report. I have called and emailed Telhio over 10 times. Telhio claims they have cleared my credit report, but they have not.Business Response
Date: 01/05/2024
*************
Dear Mr *******
I am in receipt of the recent complaint you filed with the Better Business Bureau (BBB) regarding a fraud loan that was opened in your name with Telhio Credit Union.
As a victim of fraud, we can understand the effort you put forth in resolving this matter and having it removed from your credit. As part of our fraud investigation process and its conclusion, Telhio submitted an electronic file to all credit reporting agencies on August 16, 2023, instructing them to delete the tradeline due to the identified fraud. I have included a copy of this transmission to the credit reporting agencies for your records.
On November 29, 2023 you sent an email providing a screen shot of your Credit Karma report as evidence Telhio is reporting the fraud loan to your credit report. We attempted to call you to make you aware of our previous notification to all credit reporting agencies and left you a voicemail. However, to provide further clarification, Credit Karma is not a credit reporting agency, and therefore would not receive a copy of the electronic submission sent in August to all credit reporting agencies instructing them to delete the tradeline. You may provide Credit Karma a copy of the E-Oscar transmission (mailed to you) so they may update their records.
Should you have any further questions, please do not hesitate to contact me direct at ###-###-####.
Sincerely,
***** ******
Fraud InvestigatorInitial Complaint
Date:11/23/2023
Type: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.
Telhio let someone take 53000 out of my account over a three month period of time. When I first confronted them about it they said wow that’s obvious isn’t it don’t worry you will get your money back. So I went thru the process spoke to the fraud department and they said we will let you now the outcome within 45 days. Well it happened in march April and may and now it’s thanksgiving. I was building a home and I’m on disability and that was the last of my money. I’m now living in my moms garage broke and don’t know what I’m gonna do. My house obviously stopped getting built so I’m screwed. Please help me figure out what to do.Business Response
Date: 12/04/2023
Mr. *******,
Thank you for your message. After reviewing the details of your inquiry with the Better Business Bureau, Telhio has determined the following:
On June 16th, 2023, a debit card dispute was filed regarding transactions that were reported as unauthorized. The dispute remained an open case for a period, as Telhio attempted to contact the primary account holder to gather details surrounding the dispute. After ten days, a debit card dispute investigation was concluded. With no response to the pending dispute items in question, the investigation was closed.
Please let us know if you have any further questions.
Thank you,
Telhio Credit Union
Customer Answer
Date: 12/13/2023
I absolutely did talk to the fraud department after receiving a letter asking to do so and after responding I was told that he still had more to do and the case was still open. After that I called multiple times leaving messages and no response was received. I then sent emails where he replied that he tried to get ahold of me and I said since he seems to not be able to get ahold of me then let’s do this thru email in which I never received another response. A letter was sent to get ahold of him but a letter couldn’t be sent to let me know a status I guess. Well my account was restricted so no more got taken while disputing the charges. I couldn’t even see my account statements then I went to the bank a week ago and they let another 3000 go to the same people that I was disputing charges with. No one has contacted me after the original letter asking to contact in which I did so and was told that they were still investigating. I will be going to the news fbi and I’m already talking to a lawyer. I could not believe even after restricting my account disputing the charges they still let 3000 more go leaving me negative 150 in my account 15 days before Christmas. My number has never changed it’s the same number the bbb used to contact me so this is false.
Regards,
**** *******Business Response
Date: 02/14/2024
Mr. *******,
After review of the submitted dispute concerning your Telhio debit card, it was determined that transactions authorized during the time in which the disputes took place were done so with either a PIN number presented, or a tokenized authorization, indicating that the card was presented using an authorized mobile device.
PIN numbers, and the ability to tokenize, are specific to the cardholder and should only be used by the cardholder. As a result of this, funds cannot be awarded in the case of dispute if this information is given to another non-cardholder for use.
For additional information, it is recommended that you review the VISA debit card rules. You may do so by visiting ******************************************************
Thank you,
Telhio Credit UnionInitial Complaint
Date:09/06/2023
Type: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.
7-4-23 I have been mailing my payments to Telhio.
Telhio said I was mailing to the wrong address. So they gave me 3 different addresses. That wasn't working, they couldn't find my payment.
So I started paying by phone. Then I got a late charge when it was actually on time and paid when it was due. They didn't have my payment. Then they found it.
I made 8-4-23 payment over my phone for $175. Telhio entered as $90. I drove to the Worthington Office. They could not find anything on my payment. No one had an answer for me the figures don't add up to me.
I need this explained to me & documentation on paper of my payments to them. Because what they are telling me is not adding up. As a matter of fact no one has answers. For right now they show me payments are up to date. But this has happened several times & is very upsetting.
Business Response
Date: 09/25/2023
Our team followed up with the member on September 6, 2023, via phone regarding his complaint. At that time, all we were able to address and resolve his concerns. Mr. ***** had also reached out to the BMV to close the complaint.Customer Answer
Date: 09/29/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I accept the business's response to resolve this complaint.Regards,
******* *****Initial Complaint
Date:08/28/2023
Type: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 charged $105 in overdraft fees and only refunded $70 dollars.Business Response
Date: 09/05/2023
To whom it may concern:
A total of $105.00 for 3 Overdraft Service fees, in the amount of $35.00 each was assessed to the account. These fees were for clearing 3 Point of Sale transactions on 8/28/2023. Deposits to the account were credited on 8/29/2023. Member contacted institution to inquire about fees charged, $70.00 was refunded as a one-time courtesy . Upon further review an additional $35.00 fee will be refunded as part of the one-time courtesy.
Thank you,
Telhio Credit Union
Customer Answer
Date: 09/06/2023
I accept the business's response to resolve this complaint.
Regards,
****** *****
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