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:12/06/2025

  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.

  I was gifted 5000 **** ** ***********. ** sent the money from ********** account to my KOHO account via bill pay. KOHO is now withholding the funds without any transparency of if they will ever release the funds or communication of how I can help the process along. They are saying they are investigating the matter but won’t tell me what they are investigating. The policy states I would have received the money 1-3 days after deposit was made and it’s been over a week.

  Business Response

  Date: 12/06/2025

  Hello ****,
  
  Thank you for your patience while we reviewed your recent Bill Pay transaction.
  
  Please note that certain transfers may be subject to additional review to ensure compliance with our policies and to help keep your account secure. In such cases, our team may reach out via email to request further information to complete the investigation.
  
  In your case, our team did reach out to gather more details. Following a thorough review, we’re pleased to inform you that as of today, June 12, the investigation has been completed and the funds will be released. You can expect to see them in your account within 1–2 business days.
  
  Going forward, please ensure that all Bill Pay transactions are initiated from bank accounts in your name, rather than from third-party accounts, to avoid delays or future holds.
  
  Regards,

  KOHO

• Initial Complaint

  Date:10/06/2025

  Type:Service or Repair 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.

  I have a cash account card with the company KOHO. They are aware that my mobile device as well as wallet and book bag were stolen and I no longer have access to the original phone number that they have on file which is no longer actually in service with the company anymore or any company for that matter and I refuse to wait 68 weeks for ID to come in to show them I use face recognition to log into the app, and they have no other reason to doubt my identity as I’ve been a customer for years, I just loaded $1000 onto my card four days ago, which they have no problem taking all kinds of funds out of it for extras in the app, but still refuse to allow me access to my own money yesterday I requested I wanted all my funds returned and to close the account Instead they reassured me they were updating my gone number on their end meaning I’d essentially be able to log
  In and update my own information. They refused to do so and told me everything would be okay after they updated phone number for. Me. I just attempted to pay a bill online under the assumption that I would be able to access my own money and again I can’t have done nothingto fix the matter.,

  Business Response

  Date: 10/06/2025

  Hi there, thank you for reaching out and we are very sorry for any inconvenience this has caused.

  We understand there are issues with access due to the phone number and lack of ID. We are working with our team to look into releasing your funds, however it would need to be sent to the email address on file.

   

  Our team will be following up with you directly.

   

  Thank you, and we apologize for any inconvenience again.

   

  KOHO

• Initial Complaint

  Date:09/06/2025

  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.

  Koho without cause or reason on or around june 6, 2025 allowed my account to be unlawfully accessed and closed it out and are now refusing to compensate me for the money that was in the account.

  Business Response

  Date: 09/06/2025

  Hi, I am sorry to hear about this. As per KOHO's Cardholder agreement your KOHO account has been permanently off boarded. And you will not be able to create a another KOHO account. 
  As for the funds there is a hold on the funds for 45 days. You can contact KOHO after the 45 days hold to request your funds. 
  
  We apologize for the inconvenience. 

   

  KOHO

  Customer Answer

  Date: 09/06/2025

  I am rejecting this response because: Canada federal laws regulate that there cannot be undue waiting time for money to be returned by the bank 
  
  
  
  Sincerely,
  
  
  
  ***** **********

  Business Response

  Date: 10/06/2025

  Hello *****,

  A supervisor from our team has provided you with the final update in regards to this.

  Regards,

  KOHO

  Customer Answer

  Date: 10/06/2025

  I am rejecting this response because: you have been provided with a court order and are refusing to comply
  
  
  
  Sincerely,
  
  
  
  ***** **********

  Business Response

  Date: 11/06/2025

  Hi, I am sorry to hear about this. As per KOHO's Cardholder agreement your KOHO account has been permanently off boarded. And you will not be able to create a another KOHO account. 
  As for the funds there is a hold on the funds for 45 days. You can contact KOHO after the 45 days hold to request your funds. 
  
  We apologize for the inconvenience. 
  
  KOHO

• Initial Complaint

  Date:06/06/2025

  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.

  Hello,
  
  My car was broken into and someone had stolen my Koho card that was inside my wallet and they went around spending money that was unauthorized they have stolen this money from me and KOHO closed my account it seems to me they have no interest in returning the amount that was stolen from me (429.33) and then $200 dollars was in savings I had filed a fraud claim with KOHO to which they closed my account and told me they couldn't help me as my account is closed I would just like to have my money returned to me at this point I have filed a police report and everything

  Business Response

  Date: 10/06/2025

  Hi there, thank you for reaching out and I apologize for any inconvenience this has caused you.

   

  Unfortunately the account was closed due to fraudulent activity unrelated to your card purchases - and we can not go in any more detail. You would need to refer to your cardholder agreement.

   

  We apologize again for any inconvenience.

   

  Thank you,

  KOHO

  Customer Answer

  Date: 10/06/2025

  I am rejecting this response because:

  I already know you closed it cause of fraudulent activity witch is true cause someone stole my card and spent money I filed a police report and filed out form from you guys, however I would like my money back when you guys told me I would be getting it back it. I'm out of 700$ and I can't just afford to loose that. 

  
  
  
  Sincerely,
  
  
  
  ******* ********

  Business Response

  Date: 10/06/2025

  Hi there,

  Unfortunately the account was closed due to fraudulent activity - not related to the card - and we are unable to action this any further.

  Sorry for any inconvenience again.

  KOHO

  Customer Answer

  Date: 11/06/2025

  I am rejecting this response because: how is the fraudulent activity not related to the card? That doesn’t make sense to me when the KOHO card was stolen out of my wallet that was in my vehicle and then they went around tapping my card spending money id like a detailed explanation as to how that’s not related to the card? 
  
  Sincerely,
  
  
  
  ******* ********

  Business Response

  Date: 12/06/2025

  Hi *******,

  Our team continuously reviews account activity and conducts risk assessments to protect our platform and users. Based on our recent review, we have made the decision to close your account.

  For security reasons, we're unable to go into detail regarding this decision, and we apologise for any inconvenience. As per our Cardholder Agreement, KOHO reserves the right to terminate services at our discretion.
  
  If you have any questions, please refer to our Cardholder Agreement.
  
  Thank you for your understanding.

  KOHO

• Initial Complaint

  Date:05/06/2025

  Type:Service or Repair 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.

  KOHO keeps texting to confirm sign up
  
  I did not sign up for anything with KOHO.
  
  When I looked online to report to KOHO there is no phone # just email
  .
  They emailed me and wanted more of my information and for me to take a picture of myself with ID I did not do that .

  Business Response

  Date: 05/06/2025

  Hello *******,
  
  I hope this message finds you well. I wanted to share that we have taken some steps to prevent those pesky messages from happening again.
  
  Thank you for your understanding and support. Have a great day!
  
  Best regards,
  ******

  Customer Answer

  Date: 06/06/2025

  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:04/06/2025

  Type:Service or Repair 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.

  This company fails to provide you with any options whatsoever when it comes to any sort of payment plans, they purposely ***** ur credit if you miss a single payment on their “Credit Building” feature and when you ask for leniency, they *** about talking to their supervisor and say it’s a “system” issue. And then as soon as you get mad at the, they get ******** and automatically close ur account and still charge you the money in the Credit Building feature. And the. When you ask to speak to a supervisor, they ignore you and go about their business. **** *** * **** *** **** ******* *** **** ** ** *********

  Business Response

  Date: 04/06/2025

  Hello *****,

  Thank you for reaching out. Unfortunately we're unable to change a repayment date for Credit Building.

  Additionally, we have reviewed your recent conversation with us and have decided to close your account for violating our Zero Tolerance policy after multiple warnings were issued.
  
  Regards,
  
  KOHO

• Initial Complaint

  Date:02/06/2025

  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.

  I havebin with koho since they started and I have had no problems with them but this month I pay all my fees every month or I would not be able to utilize the products I pay for cover me its a revolving credit and also a credit building fee thats also a revolving credit so you pay the fees and get the revolving credits this month they want me to pay the fees twice so when money is deposited they take the fees right away so money was deposited on May 26 2025 so the fees were taken and now they want the fees again so now I can't access the revolving credits due to the fees they say I owe still after the fees were taken off my deposit on the 26th of May

  Business Response

  Date: 02/06/2025

  Hi there, thank you for reaching out and we apologize for any inconvenience and confusion on your fees!

  May 26th there was a deposit received to the account. You then automatically repaid your $225 Credit Building loan and the $7.00 monthly fee.

  After repayment, your balance was $1212.34. You then e-Transferred out $900 and your remaining balance was $312.34. A few hours after, you visited an ATM and withdrew funds totalling $305.50 and your balance was then $6.84.

  All above account activity occurred on May 26th. Your Cover monthly fee of $20.00 was due May 28th - due to the insufficient account balance we were not able to collect the fee - and after 3 attempts the Cover is now in repayment. So you just would need to repay the loan in full and then you are able to resubscribe to the feature directly in app.

  Apologies again for any confusion here.

  Best,

  KOHO

   

   

  Customer Answer

  Date: 02/06/2025

  I am rejecting this response because:
  
  I am also talking about my credit building utilization I wasn't able to apply for it until the 28 of May and that was when I paid the fee for that koho set me up to not be able to utiliz my credit building and as a loyal customer that is not happy with koho services you would think you would maybe wave the fees one time and fix it i  have never had this much problems with koho ever I recommend it all the time but not no more all I want is the fees to be waved so my account is not in the negative so I can get my credit building utilization 
  
  Sincerely,
  
  
  ************ ********

  Business Response

  Date: 02/06/2025

  Hello * ************,

  Thank you for your patience, and I’m sorry to hear you’re having trouble accessing Cover and Credit Building.
  To clarify, the Cover feature will automatically cancel if the monthly subscription fee isn’t paid. This is how the feature is designed—if a fee can’t be collected, the loan repayment process begins. Once the loan is fully repaid, you can re-subscribe to Cover and regain access to the funds.
  Regarding Credit Building, I understand you're attempting to submit a withdrawal but are seeing a $7 fee due. I’ve reviewed your payment made on May 26, 2025, and while it was for $7, it was applied toward your April 2025 fee. The May 2025 Credit Building fee is still outstanding.
  Please also note that you currently have an outstanding Cover balance of $216.15. Any funds deposited into your account will be used to pay off this balance first, before being applied to your Credit Building fee.
  Once the $7 May fee is paid and your Cover balance is cleared, you’ll be able to move forward with your Credit Building withdrawal request.
  If you have any questions or need help planning next steps, feel free to reach out—we’re happy to help.
  

  Best regards,
  KOHO Support Team

  Customer Answer

  Date: 03/06/2025

  I am rejecting this response because: the information I know how the credits work i want to know why I am paying for fees a month behind and nothing your saying is helping me koho is a scam I see now this should be illegal  all I want is my credit building utilization 
  
  
  
  Sincerely,
  
  
  
  ************ ********

  Business Response

  Date: 04/06/2025

  Hi there,
  
  Thank you for your response, as advised, May 26th there was a deposit received to the account. You then automatically repaid your $225 Credit Building loan and the $7.00 monthly fee.
  
  All above account activity occurred on May 26th. Your Cover monthly fee of $20.00 was due May 28th - due to the insufficient account balance we were not able to collect the fee - and after 3 attempts the Cover is now in repayment. So you just would need to repay the loan in full and then you are able to resubscribe to the feature directly in app.
  
  Apologies again for any confusion here.
  
  Best,
  KOHO
  

  Customer Answer

  Date: 04/06/2025

  I am rejecting this response because: there is just no help with koho at all your not the same business as when it opened i am very disappointed and unsatisfied with the out come of all this I know now that koho is not about their customers not even the loyal ones like my self who have bin there with you guys since the beginning 
  
  
  
  Sincerely,
  
  
  
  ************ ********

  Business Response

  Date: 05/06/2025

  Hello * *************

  Thank you for your patience, and I’m sorry to hear you’re having trouble accessing Cover and Credit Building.
  To clarify, the Cover feature will automatically cancel if the monthly subscription fee isn’t paid. This is how the feature is designed—if a fee can’t be collected, the loan repayment process begins. Once the loan is fully repaid, you can re-subscribe to Cover and regain access to the funds.
  Regarding Credit Building, I understand you're attempting to submit a withdrawal but are seeing a $7 fee due. I’ve reviewed your payment made on May 26, 2025, and while it was for $7, it was applied toward your April 2025 fee. The May 2025 Credit Building fee is still outstanding.
  Please also note that you currently have an outstanding Cover balance of $216.15. Any funds deposited into your account will be used to pay off this balance first, before being applied to your Credit Building fee.
  Once the $7 May fee is paid and your Cover balance is cleared, you’ll be able to move forward with your Credit Building withdrawal request.
  If you have any questions or need help planning next steps, feel free to reach out—we’re happy to help.
  
  Best regards,
  KOHO Support Team

• Initial Complaint

  Date:29/05/2025

  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.

  Today I got a email from Koho that I received in my junk mail and it looked like a **** email. It had said that Koho has closed my account and to reach out to koho thats it!!. No contact information or nothing so I thought it was a scam….
  So I tried logging into my account which i would only need a 4 digit pin to do so , but it logged me out and it said “ your session has expired log back in “” so I tried to log back in with my password but it said the password is incorrect. So I tried to reset my password but it kept bringing me back to password reset page so I wasn't able to continue to the next page and type in a new password…
  I thenn reached out to the support team and they were not helpful at all. I kept having to repeat myself as to what my issue was. Then finally they said my account had been closed and to please reach out to the Cardholders Agreement which didn’t make any sense to me. Please help me out I don’t know what to do. Everyone I talk to is a robot they are not helpful or informative. I have about $1300 in my account and I need my money. Koho never gave me any reason to why my account would be closed nor did they give me any solutions on how I may retrieve my money back. I feel like I have been robbed in cold plain sight and Koho’s Customer Service department is unreliable, unresponsive and very unhelpful. I need my money and I need to know why my account is closed for no reason .

  Business Response

  Date: 29/05/2025

  Hello *****,

  Our team continuously reviews account activity and conducts risk assessments to protect our platform and users. Based on our recent review, we have made the decision to close your account.
  
  For security reasons, we're unable to go into detail regarding this decision and we apologize for any inconvenience. As per our Cardholder Agreement, KOHO reserves the right to terminate services at our discretion.

  Our team has contacted you with more details in regards to your funds.

  Thank you,

  KOHO

  Customer Answer

  Date: 29/05/2025

  I am rejecting this response because: You guys sent me a e-trasnfer of 1,583.19 with a Security Question and it’s asking for A answer that I never received. It says to contact and Agent to communicate with password and I am trying to but no one is understanding what I am talking about. I need my money and I need the answer for it if your going to e-transfer it
  

  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 30/05/2025

  Hello *****,
  
  I can confirm that our team got in touch with you yesterday via email and shared the e-Transfer password.
  
  Please check your inbox (including your spam or junk folder) for that message. If you’re still experiencing any issues or have further questions, feel free to reply directly to that same email — we’ll be happy to assist you further.
  
  Regards,
  KOHO

  Customer Answer

  Date: 30/05/2025

  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:29/05/2025

  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.

  I received money in my bank account with Koho on April 17th and within an hour to two my money got stolen. I spoke with bank and they spent over a month investigating just to come to me with hey you gave access to your account to the device that took the money out of your account. now when i checked my email it shows that my phone was accessed by an unknown device and personally i don't really remember giving someone access to my account. Anyways i was trying to get someone bigger than me to dispute it with bank.

  Business Response

  Date: 29/05/2025

  Hello *****,
  

  Here is the outcome of our investigation.

  Thank you for reaching out to us and providing us with information about your claim. I apologize for any inconvenience this may have caused and I truly appreciate your patience throughout this process.
  
  After carefully reviewing your claim, I regret to inform you that we will not be able to process reimbursement for the following transaction(s):
  
  There insufficient evidence of misused personal and payment information within our dispute processes to support reimbursement for this claim.
  
  If you wish to pursue this matter further, here are some recommendations that may be helpful:
  
  1. Contact the local authorities as they may have jurisdiction in areas that we do not and open a report with the Canadian Anti-Fraud Centre.
  2. Check with anyone who lives with you or has access to your belongings. If someone close to you used your card and/or other personal information without permission, you can attempt to resolve it with the individual and seek reimbursement with the help of the local authorities.
  3. Search for the merchant online and try to escalate this issue with them.
  4. Reset all your passwords to safeguard your information and avoid saving your personal and account information outside of the KOHO app.
  
  I understand that we are unable to offer reimbursement for this claim and I am truly sorry for any disappointment this may cause. I will now close this chat, but please feel free to message us again if you need any further assistance.
  
  Best regards,
  KOHO

  Customer Answer

  Date: 29/05/2025

  I am rejecting this response because: ** **** **** ******, you cant just say there is insufficient evidence without providing what evidence are they relaying on. Until the incident happened on April 17th only my ****** ** was logged into the account when KOHO locked my account i used my old ****** * to try and get access to that account back. I want to drag this to the worse point possible. I either get my money back or I run after KOHO for not providing me with their complete investigation so that I can take KOHO's investigation to the police to run after the guy who received money until then KOHO is responsible to return all money that was taken from my account without my permission. Furthermore you can't tell me that there isn't insufficient evidence when your own security system said someone accessed my account from an unknown device. This is on your online security system that let someone have access to my account not my fault that i don't change my passwords often or don't pay my phone bill. 

  So please whatever BS KOHO is using as their investigation results has to be fucking shared.
  
  
  
  Sincerely,
  
  
  
  ***** *****

  Business Response

  Date: 29/05/2025

  Hi, I am sorry to hear about what happened to you. If your device was accessed without your consent you should be contacting the police about this and get a police report. Unfortunately since your phone was accessed. It means that your credentials might have been shared with a third party. This is the reason KOHO is not able to assist further. I am sorry for the inconvenience. 

   

  KOHO

• Initial Complaint

  Date:27/05/2025

  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.

  Koho ***** 111$ from me. I put 206$ ib my account and when it was time for me to use my card at a restaurant it got declined. I noticed I had 0$ but when I added all the transactions, I had money left over. This 111$ somehow disappeared. I ended up using cover because i had no money left and didn’t want to be embarrassed at the restaurant. I’ve been talking to 4 different ppl for 24 hours now because all the staff is either *********** or just repeat the same script like they are robots. Some employees completely ignore my questions about my missing money and just kept repeating the same 5 questions. Some just focused on my use of cover which that was not the question in hand. Finally i get an employee who sees the error however, have yet to receive my money back as the person keeps switching. A regular bank would fix the issue in a few minutes or hours. They can’t even give me an estimate which is dumb. It seems like my money has been stolen
  so that i can use their cover and owe them money. As per the photo, after the transaction at SAQ of 15$, I had 0$. How is this possible???? ****** ** ** *** **** ****** *** **** **** ***** ** ** ****** *** *** *********** *** *** ** ***** I wouldn’t wish this on anybody.

  Business Response

  Date: 27/05/2025

  Hi *******,
  
  My name is ****** and I am a supervisor at KOHO. I am here to help and I appreciate your patience. I have carefully reviewed your account and can confirm that there are no funds missing from your account. Please find attached a breakdown of your transaction history from May 23, 2025.
  
  It's crucial to understand the significance of each status. The statement shared with you reflects the backend view, illustrating the different stages your account goes through. Here's a breakdown for clarity:
  
  - Authorization: This indicates that a hold was placed on the amount, currently in processing, essentially translating to a pending transaction.
  - BK: This signifies that the transaction has just completed processing and will be backed out. It's important to note that this is not reflected in your available balance; it's a temporary release of the hold before final settlement or expiration.
  - Settled Transaction: This denotes that the amount initially held by the merchant, which was pending, has been successfully collected in full.
  

  Please reach out to our team should you have any additional questions or concerns.

  
  Thank you
  ******