KOHO complaint?

Do you have a dispute or a bad customer experience with KOHO? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

KOHO customer service is chat-first: members reach support through in-app chat and the KOHO Help Centre, and phone support comes with paid KOHO plans and is started from inside the app. The number +1 (866) 612-5646 is for members who cannot get into the app at all, for example when locked out, after losing a phone or without data. KOHO also publishes a dedicated complaints email address, shown with its other contact details on this page.

Have your account email, the transaction dates and amounts, and screenshots ready.

Payment missing or account locked? Start your complaint here and we push it out to KOHO by email, social media and printed letters.

To escalate a complaint with KOHO, put it in writing to the complaints email address shown on this page and say clearly that you are making a formal complaint under KOHO's customer complaints policy, which is published on its legal page. Include your account email, what happened, the dates and amounts, what you have already been told in chat, and what you want KOHO to do.

KOHO Financial Inc. is based in Vancouver, British Columbia. Questions about the KOHO line of credit are handled by Fora Customer Care, so a complaint about the line of credit may need to go there as well.

Disputed transaction turned down? Our trained AI opens a case for you and keeps coaching: what to reply, when to push again, and how to escalate inside KOHO.

To cancel a KOHO plan or close a KOHO account, ask KOHO support in the app and keep a screenshot of the conversation and of any confirmation. Before closing an account, move your balance out, let pending transactions clear, and check whether a Cover bundle, a Pay Later purchase, a cash advance or the line of credit still has money owing, because those are separate from the plan itself.

After cancelling, check your next statements for plan fees and keep a note of the date you cancelled, so any later charge is easy to show.

Yes: KOHO Financial Inc. takes part in the Ombudsman for Banking Services and Investments (OBSI), which looks at complaints in Canada about the banking services and investment firms that participate in it. OBSI generally expects KOHO to have had the chance to put things right first, so keep a record of every chat, call and email with KOHO about the problem.

Start your complaint through our complaint process and we help you write it in minutes, with the transactions and dates set out in order.

No. KOHO says it does not run Facebook or text campaigns that pay people to open an account, and it never asks for your password or personal details by email or text. Be just as wary of a job that asks you to open a KOHO account or move money through it.

Nothing has been reported about KOHO here yet. Our research shows what typically goes wrong at prepaid card and money apps: accounts frozen or locked during a security check, card payments and e-Transfers that are delayed or hard to trace, disputed transactions that take time to settle, plan fees that keep being charged after a downgrade or cancellation, and repayments on cash advances or credit products that are hard to sort out.

Balance frozen or a transfer you cannot trace? Report it here as the first case, and it becomes the record the next KOHO member with the same problem will look for.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of KOHO through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with KOHO can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.