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:04/23/2025

  Type:Billing 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.

  4-23-25 5.00 they give false advertisement. They say it will help build your credit you will get 750$ in credit just add you banking account information. Pay monthly. I dis not get the 750$ they took the 5, I canceled and they said my credit score will go down now! They take advantage of ***. They have advertisement all o er and all of it is false advertisement. I want to sue

  Business Response

  Date: 04/25/2025

  Hello *****, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. In accordance with our established policy, your Kikoff Credit Account will not be reflected in your credit reports, as it was opened and closed within a 30-day period. A refund of $5 has been processed, and it will be credited back to the original payment method within a timeframe of 5-7 days. 
   
  We would like to provide clarification on how Kikoff Credit account works. Upon signing up for Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. Depending on the plan you choose, the tradeline is charged a balance for annual total of the monthly payments. In the case of your account, you were enrolled in the Ultimate plan which charges the tradeline a total of $60, to be paid off in the $5 monthly payments you were paying. Kikoff reports these payments to the three major credit bureaus, in the hopes that this will positively contribute to your credit history, as payment history is a key factor in credit scoring. Additionally, it is important to note that the Credit Account does not come with a physical or virtual card as the tradeline can only be used in the Kikoff store, and is most commonly used to purchase one of our credit-building plans. 
   
  Thank you for reaching out and allowing us the opportunity to address your concerns. If you require further information or need additional help, please contact us at ********************************************************. 

  Kikoff Customer Operations

  Customer Answer

  Date: 04/25/2025

  Better Business Bureau:
  
  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:04/15/2025

  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, I am writing to formally dispute inaccurate information being reported on my credit file under the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681i. The account in question does not belong to me and is reporting two separate charge-off statuses, which is both erroneous and *************** are the details of the account in question:Creditor Name: KIK OFF LENDING LLC Account Number: ********** Disputed Item: This account is not mine and has been reported as a charge-off on more than one occasion. Not only is this duplicate charge-off inaccurate, but the entire account itself is fraudulent or incorrectly attributed to me.Under the ****, I have the right to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. I am formally requesting:1.Immediate investigation of this account.2.Removal of the account entirely, as it is not mine.3.Correction of the inaccurate reporting of multiple charge-offs, which violates FCRA guidelines.4.Written confirmation that this account has been deleted or corrected, as required by law.

  Business Response

  Date: 04/18/2025

  Hello *******, 
  
  As we stated in response to your previous BBB complaint, as well as in response to your many bureau disputes and emails with our fraud team, Kikoff has thoroughly investigated the account and continues to find insufficient evidence to support removal of the tradeline for fraud. 
  
  We received your complaint filed with the ************************************ (****), and have responded with more details from our investigation, which again, found insufficient evidence to support your claim. If you have any supporting documentation regarding your claims, please do not hesitate to share with us by emailing ********************************************************.
  
  Thank you and we wish you all the best. 

• Initial Complaint

  Date:04/15/2025

  Type:Order 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 am not liable for this debt with KIKOFF LENDING LLC, I do not have a contract with KIKOFF LENDING LLC, they did not provide me with original contract as requested

  Business Response

  Date: 04/18/2025

  Hello Devante, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it. According to our records, the terms and conditions for your account were accepted on April 19, 2023 at the time of account setup. These terms outline both the responsibilities associated with the loan and the monthly reporting of payment activity to the credit bureaus.
   
  According to our records, correspondence was sent regarding the status of your account, and it appears that these communications were being opened. Our records show that the last payment we received from you was on June 23, 2023, and the account was charged off on February 14, 2024, due to an extended period of nonpayment. 
   
  Please know that all Kikoff Lending, LLC customers have the right to cancel their accounts at any time without any penalties or associated fees if they no longer wish to participate in our program. Unfortunately, we do not have a cancellation request on file for this account. If a request had been received, we would have promptly processed it in accordance with our cancellation policy.
   
  We have provided a copy of your account terms which are also made available inside your account at any time. As a company that serves its customers virtually, we do not have wet or physical signatures. We are committed to transparent communication and ensuring you have access to all pertinent information about your account.
   
  Please dont hesitate to reach out if you have any further questions or require additional support.
  

  Kikoff Customer Operations

• Initial Complaint

  Date:04/15/2025

  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.

  To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ******************** Account number: CLOWVO Account balance: $40.00 , which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 04/18/2025

  Hello ******, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  In your complaint you advise that you did not open or authorize the account. To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in May 17, 2023, all of which matched. 
   
  We have verified that the emails sent to the linked email address are being successfully opened, and the verification code sent to your phone number was utilized to access your account, and your phone number and email address have been associated with you for an extended period prior to the account creation. There were consistent on-time monthly payments made on your Kikoff Credit Account, which is inconsistent with activity of a fraudulent account.
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
   
  Thank you, and we wish you all the best.

  Kikoff Customer Operations

• Initial Complaint

  Date:04/14/2025

  Type:Order 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 am not liable for this debt with Kikoff Lending LLC, i do not have a contract with Business Headquarters Location they did provide me with the original contract as requested.

  Business Response

  Date: 04/18/2025

  Hello ****, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it. According to our records, the terms and conditions for your account were accepted on May 22, 2023 at the time of account setup. These terms outline both the responsibilities associated with the loan and the monthly reporting of payment activity to the credit bureaus.
   
  Please know that all Kikoff Lending, LLC customers have the right to cancel their accounts at any time without any penalties or associated fees if they no longer wish to participate in our program. Unfortunately, we do not have a cancellation request on file for this account. If a request had been received, we would have promptly processed it in accordance with our cancellation policy.
   
  According to our records, correspondence was sent regarding the status of your account, and it appears that these communications were being opened. Our records show that the last payment we received from you was on January 30, 2024, and the account was charged off on September 16, 2024, due to an extended period of nonpayment. 
   
  We have provided a copy of your account terms which are also made available inside your account at any time. As a company that serves its customers virtually, we do not have wet or physical signatures. We are committed to transparent communication and ensuring you have access to all pertinent information about your account.
   
  Please dont hesitate to reach out if you have any further questions or require additional support.

  Kikoff Customer Operations

• Initial Complaint

  Date:04/12/2025

  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.

  Pursuant to the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), I am formally requesting certified debt validation notices for account opened 01/11/2022 with Kikoff Lending LLC appearing on Experian report #************.Under 15 U.S.C. 1692g(b), I require:1. Certified copies of all signed agreements 2. Notarized debt validation notices 3. Sworn affidavits verifying account ownership 4. Complete chain of custody documentation 5. Verification of proper FDCPA notices Failure to provide these certified validations within 30 days constitutes a violation of federal law and will result in:- Immediate demand for deletion - Regulatory complaints - Reporting to appropriate oversight agencies Without proper certified validation, this account must be removed from all credit reporting agencies as required by law. All rights reserved under UCC 1-308.Desired Resolution:1. Immediate removal of account from all three credit bureaus (Experian, **********, and Equifax) due to failure to provide certified debt validation notices and proper documentation as required by ***** and FCRA.2. Written confirmation on company letterhead verifying that deletion requests have been submitted to all credit reporting agencies within 30 days.3. ********* of certified letter stating account has been closed with zero balance and will not be re-reported to any credit reporting agencies in the future.Note: All future correspondence must be provided in writing with proper certification and notarization.

  Business Response

  Date: 04/16/2025

  Hello Daieshaun, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. For this reason, Kikoff provides a generous ***** period for payments. However, your payment have fallen outside this period.
   
  The payment, originally due on April 9, 2023, was made on June 1, 2023, exceeding the 30-day ***** ******* which has led to the reporting of a late payment on the account, as reflected in the attached credit report reference. A correspondence regarding your account's status was sent to the linked email address. We make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox.
   
  In review of your account, there was a lapse in payments received which is why you are seeing the late remarks on your credit file. According to our records, the terms and conditions for your account were accepted on January 11, 2022,, at the time of account setup. These terms outline both the responsibilities associated with the loan and the monthly reporting of payment activity to the credit bureaus. We have provided a copy of your account terms which are also made available inside your account at any time. As a company that serves our customers virtually, we do not have wet or physical signatures. We are committed to transparent communication and ensuring you have access to all pertinent information about your account.
   
  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). In compliance with the ****, we cannot remove genuine late or missed payments, as it is our obligation to maintain accurate reporting on all accounts, regardless of status.
   
  For security of your account information, our support team has sent you direct correspondence to the email on file. Please check your email for additional information and if you have any further concerns you can reach us by email at ******************************************************** or by phone at ************.

  Kikoff Customer Operations

• Initial Complaint

  Date:04/11/2025

  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 attempted to make a cash deposit of $1.000.00 into a Cardtronics ATM. There was a message on the front that showed $1,000 as the daily limit.I put my money in and received an error message on the screen stating the deposit could not be completed, the money would not be returned, and to contact my bank.I contacted the *********** by phone and was told their process, that there is an overflow where bills go when there is an error submitting a deposit. This overflow is cleared, counted and written on report every week. They opened a report in my name for this event .I then contacted Kikoff as they said and they have not been helpful at all. Im not even able to speak with anyone in a special department they said who handles disputes. I have had 4 conversations with customer service so far and all Im ever told is that the issue will be resolved within 2 billing cycles. Two months when *********** said errors like this happen and the banks are able to, 1) send an agent from *********** to the machine to collect the money, 2) receive a copy of the weekly cash report. so the money can either be deposited or returned to me, or 3) provide a temporary compensation to me until its resolved. This is week three, they have done nothing and as a result I have now lost my car.

  Business Response

  Date: 04/16/2025

  Hello ********, 

  We understand the significance of keeping you informed about the status of your dispute regarding the deposit you made through an AllPoints+ ATM. Our records show that the dispute was filed on March 31, 2025. An email was sent to you by one of our customer representatives, informing you that the case is currently under investigation and may take up to two billing cycles from the date of filing to reach a conclusion. Please be aware, Kikoff does not issue Provisional Credits while the investigation is ongoing.

  We would like to reassure you that we are diligently investigating your dispute, and will reach out as soon as we have an update. 

  If you need additional support, please do not hesitate to reach out. 

  Kikoff Customer Operations

• Initial Complaint

  Date:04/11/2025

  Type:Billing 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.

  For several months I have been trying to get Kikoff to close and remove their account in my daughters name from the credit bureaus. I have submitted an identity theft report to them stating that she was 12 when this account was opened, but they have not complied. It says the account was opened in 2022. My daughters name is ******* ****. Her social is ***********.

  Business Response

  Date: 04/14/2025

  Hello Allysia,

  Thank you for reaching out with your concerns. We take matters like this very seriously, and we appreciate the opportunity to resolve this issue. 

  First we would like to acknowledge that we received and responded to the disputes filed with the credit bureaus for this account. The information we received from the bureaus matched to what we have on file internally, which was why we responded to the disputes the way we did. 

  When an account is opened with Kikoff, we take steps to validate the social security number provided. If it is linked to an individual who is under the age of 18, our system will not allow the account to move forward. Our records indicate that the social security number associated with the account belonged to a 19 year old at the time of account opening.

  We want to investigate your claim further, however, we need more information to do so. Please provide any documentation you may have to show that your daughter was under 18 when the account was opened, as you stated in your complaint. You may email your documents to ********************************************************.

  We look forward to hearing from you soon and assisting you with this further.

  Kikoff Customer Operations

  Customer Answer

  Date: 04/15/2025

   
  Complaint: 23190526
  
  I am rejecting this response because:
  My child was a victim of identity theft and they are still trying to say she wasn't. I am attaching her social and her insurance card that shows her birthday is ***********
  Sincerely,
  
  ******* ******

  Business Response

  Date: 04/18/2025

  Hello Allysia, 

  Thank you for providing documents to support your claim you made in your complaint. In our investigation we found that the social security number on the account belongs to an individual with that name with a date of birth in ****. Since an invalid combination of SSN and DOB was used to open the account, we have decided to err on the side of caution and remove the account due to fraud. We have submitted requests with the applicable bureaus to delete the account, and you should see this change reflected in the coming weeks. 

  We apologize for any inconvenience this has caused, thank you for bringing this to our attention and wish you and your daughter well.

  Kikoff Customer Operations

  Customer Answer

  Date: 04/21/2025

  Better Business Bureau:
  
  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:04/10/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: KIKOFF LENDING LLC ACCT #: ***. ********** $18.00/$18.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 04/14/2025

  Hello ******, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. For this reason, Kikoff provides a generous ***** period for payments. However, your payments have consistently fallen outside this period. As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). We make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox.
   
  In review of your account, there was a lapse in payments that occurred from May to November 2022, which is why you are seeing the late remarks on your credit file. In compliance with the ****, we cannot remove genuine late or missed payments, as it is our obligation to maintain accurate reporting on all accounts, regardless of status.
   
  For security of your account information, our support team has sent you direct correspondence to the email on file. Please check your email for additional information and if you have any further concerns you can reach us by email at ******************************************************** or by phone at ************.

  Kikoff Customer Operations

• Initial Complaint

  Date:04/10/2025

  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.

  To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ********************** LLC Account number: CLLTYQ Account balance: $40.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my credit reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

  Business Response

  Date: 04/14/2025

  Hello *****, 

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  In your complaint you advise that you did not open or authorize the account. To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in November 21, 2022 all of which matched. 
   
  We have verified that the emails sent to the linked email address are being successfully opened, and the verification codes sent to your phone number were utilized to access your account, and your phone number and email address have been associated with you for an extended period prior to the account creation. Our records show you initiated disputes for items on your credit report using the Disputes feature available in your Kikoff app. Using this feature requires logging in to your account and shows your awareness of the account and its benefits.
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.

  Thank you, and we wish you all the best.

  Kikoff Customer Operations