Complaints

• Initial Complaint

  05/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I thought that this company was a to help you with your building credit. They say that you can deposit $20 into an account for 12 months and they will submit it as a positive credit. But they did not disclose that the $20 that you deposited to the account each month you don't get it back. They keep the whole $240. But I thought it was a savings account in which you would get the money returned.

  Business response

  05/20/2024

  Thank you for the note. In regards to the Credit Account, this does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. Once they are reported, they are not eligible for refund. This account is separate from the Secured Card account, as well as the ********************** account. The ********************** account provides a voucher for any payments made towards this account upon completion or closure, or has the ability to disperse these payments to the Secured Card account. We consider your privacy when reviewing your accounts and request you contact our ******************************** if you have any account-specific questions regarding its status or any amounts.
  
  

• Initial Complaint

  05/16/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I never got a loan from this company I have paid them 200. And they requested another ****** and 90. At the same time and I don't get this money back. I requested to be removed and they marked my credit as closed and it looks like I owe them 90. And I never borrowed or received anything from them.

  Business response

  05/20/2024

  Thank you for the note. In regards to the Credit Account, this does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. Once they are reported, they are not eligible for refund. This account is separate from the Secured Card account, as well as the ********************** account. The ********************** account provides a voucher for any payments made towards this account upon completion or closure, or has the ability to disperse these payments to the Secured Card account. We consider your privacy when reviewing your accounts and request you contact our ******************************** if you have any account-specific questions regarding its status or any amounts.

  Customer response

  05/21/2024

  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

  05/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The company is advertising that the account they provide is a savings account which it isn't. This company illegibly stole my money and there's no way of contacting KIKOFF. The email that the company is using is a computer responding. there's no way you can get in contact with anyone. I also have a credit account with the company which I put in my own money. The company has informed me that I have no money on the card. KIKOFF is reporting negative information on my credit. I already contact the company and ask them not to renew my contract. I will like my refund back and for them to stop sharing information with other agency without my consent and remove any negative information on my credit report.

  Business response

  05/17/2024

   

  Thank you for the note. In regards to the Credit Account, this does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. Once they are reported, they are not eligible for refund. This account is separate from the Secured Card account, as well as the ********************** account. The ********************** account provides a voucher for any payments made towards this account upon completion or closure, or has the ability to disperse these payments to the Secured Card account.
  

  Additionally in the email sent to you internally we have shared information on the Secured Card Account to provide clarity on how it functions. If you would like additional information about the status or any amounts we request you contact our ******************************** or give our Secured Card phone line a call at ************. 
  

  At Kikoff, we are required to report accurate information to the bureaus. If you believe any of the information we reported is inaccurate, we are happy to review the reporting. Additionally, we consider your privacy when reviewing your accounts and request you contact our ******************************** if you have any account-specific questions regarding its status or any amounts.

   

  
  

  Customer response

  05/19/2024

   
  Complaint: 21710360
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************** my account was closed since last year June 2023. I do not know why KIKOFF is reporting anything on my credit they need to remove the none payment they reported on my credit report. The report they are reporting is inaccurate on my credit report. The company is not regietered to do business in ********.

  Business response

  05/21/2024

   

  Thank you for your note. It is important to note that Kikoff is available in all 50 states of the US.

  
  It's important to note Kikoff Lending operates in a highly regulated industry and provides customers access to a revolving line of credit, therefore our app is reflective of the rules and regulations governing account closures and data retention. As a result, we are required to comply with several regulations - inclusive of Regs B & Z, as well as BSA/AML) that require us to maintain a record of all information for a varying number of years. 

  
  Customers may close and or deactivate their accounts with us, but we still must retain certain information and are unable to delete all customer information upon closure. Please note, closing an account does not remove it from a consumer's credit history. However, as the account is now closed there is no reporting of any activity going forward from the point of closure.  This historical reporting however does remain; this is what you are observing on your reporting.

  Customer response

  05/22/2024

   
  Complaint: 21710360
  
  I am rejecting this response because:

  Kikoff is not registered to operate in the State of Virginia the company is not telling the truth. The company need to provide proof from the State ********************** infromation.

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

• Initial Complaint

  05/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Better Business Bureau ****************************************** Dear Sir/*****,I am writing to file a formal complaint against Kikoff regarding a dispute that has arisen between us. Despite multiple attempts to resolve the issue directly with Kikoff, I have not received a satisfactory resolution.I am writing to file a formal complaint against Kikoff regarding a recent dispute stemming from an agreement made with one of their representatives, ****.On Fri, Apr 26, 3:32PM, I engaged in a conversation with **** from Kikoff, during which we mutually agreed that payments would be made on the 20th of each month. However, despite my consistent adherence to this agreement, Kikoff prematurely closed my account.Furthermore, in an attempt to address any outstanding issues and seek resolution in good faith, I sent a Goodwill Adjustment Letter to Kikoff. On Fri, Apr 26, 3:32PM, Rather than addressing the matter constructively, Kikoff chose to close my account without any prior warning or justification.Despite multiple attempts to resolve the issue directly with Kikoff, I have been met with inadequate responses and lack of cooperation. As a result, I am turning to the Better Business Bureau to seek assistance in resolving this matter.Attached, please find supporting documentation, including records of communication with ****, proof of payments made in accordance with our agreement, and a copy of the Goodwill Adjustment Letter sent to Kikoff.I kindly request that the Better Business Bureau intervene and facilitate a fair and timely resolution to this dispute. Your assistance in this matter is greatly appreciated.Please let me know if there are any additional steps I need to take or if further information is required from my end.Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.Sincerely,Kam'***************** ************************************************************

  Business response

  05/17/2024

  Thank you for your note. Upon review of our previous correspondence with you, we do see the email contact that you referenced in your email, and as a result we have also contacted you to address your concern while taking your privacy into consideration. At Kikoff, we are required to report accurate information to the bureaus.  Your concerns have been escalated for review and we will be following up through our internal email. Should you have additional questions or concerns, contact us via email at ******************************** and we would be happy to assist you. Please mention in response your BBB complaint as well as the internal email sent to you to allow the agent that assists you to have the resources to provide you the best possible service. We thank you for your patience and collaboration with us in this matter.  We apologize for the distress this has caused and thank you for bringing this to our attention.

• Initial Complaint

  05/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On May 9th 2024 I receive an email from kikoff about activating a new secured card. This email was addressed to me and sent to my email address. I have never heard of kikoff so I did a ****** search to contact them. I got a rep and explained the email I received. Advised her that I do not and should not have an account with them in my name. She was able to locate an account with the email address that I provided to her. Then she tries to verify the account but the address is not my address so she tell me she cant verify. I requested the fraud department or a manager and she tells me that I have to email customer service in order to have the account closed. My identity is obviously been compromised because how was someone able to open an account for a secured credit card in my name? No I dont want to email customer service when I am on the phone talking to customer service. Instead of atleast having the fraud department contact me or something. I dont know how or who to contact about this.

  Business response

  05/14/2024

   

   

  Thank you for your note. We take claims such as this seriously. Upon review we see that proper communication was held regarding your inquiry and the accounts status. In that conversation, we see the agent was able to give you the means so as to find a solution for you as it relates to your concern. In regards to your concern we have also recently provided you with correspondence internally regarding your inquiry. To appropriately escalate this situation please reach out to us via email at ******************************** and a member of our team would be happy to assist you further and further work with you to arrive at a solution.  You may also respond to the email that was also sent to. Please reference this BBB complaint in your email to us.  We thank you for bringing this to our attention and apologize for the distress that this has caused you.  We wish you well and await your reply.

• Initial Complaint

  05/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  TODAY: 05/08/2024 RE: ACCT# Number ******** Dear *********************** CEO ; Support Team;MY NEXT PAYMENT IS NOT UNTIL 6/10!!! - I recently became aware of a negative entry on my credit report, allegedly from Kikoff Lending LLC, indicating that I am 90 days past due. This information has deeply unsettled me, as it is entirely inaccurate. I have diligently and consistently made payments on time, often even in advance, to prevent any such discrepancies from occurring.My primary reason for establishing an account with ********************** last year was to improve my credit scores, specifically to fulfill my dream of purchasing a home for my wife. Therefore, the revelation of this erroneous entry has not only caused me significant stress and anxiety but also jeopardized my efforts to secure a mortgage.I implore you to thoroughly investigate this matter and rectify the inaccuracies with the utmost urgency. I kindly request that you reach out to the relevant credit reporting agenciesExperian, **********, and Equifaxto ensure the prompt removal of this detrimental misinformation from my credit history.Upon reviewing my account, you will find that I have maintained a commendable relationship with your company, consistently meeting my financial obligations without fail. Timely bill payments have been a point of pride for me, and I am deeply troubled by the implication that I have deviated from this standard.As I am in the final stages of closing on a house, the timing of this discrepancy could not be more precarious. I urge you to prioritize this matter and provide me with reassurance at your earliest convenience. Should this issue persist unresolved, I will be compelled to escalate my concerns and file a formal complaint with regulatory authorities.I sincerely appreciate your immediate attention to this urgent matter and eagerly anticipate your prompt response. Please feel free to contact me directly at any time should you require further clarification or information.

  Business response

  05/10/2024

   

  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus. We also have sent correspondence to you that goes into greater detail about your concern. If you believe any of the information we reported is inaccurate, we are happy to review the reporting once more.  However we do ask that you contact us via email with any questions so that we may assist you and respect your privacy as it relates to your account details.  Our email contact is ********************************* Please when in contact mention this BBB complaint as well as the internal response to give our team all the resources to provide you the best possible service. We wish you the most pleasant of days. 
  

  
  

  Customer response

  05/11/2024

   
  Complaint: 21685162
  
  I am rejecting this response because:I am writing to file a formal complaint against Kikoff regarding the inaccurate reporting and handling of my account. Despite consistent and timely payments on my part, your records erroneously indicate a 90-day late status for my account as of May 2024. This discrepancy is deeply concerning and requires immediate resolution.
  Firstly, I would like to emphasize that I have maintained a pristine payment history with Kikoff. Each month, without fail, I have diligently paid off my account balance, with the most recent payment made in April 2024. Therefore, it is perplexing and unjustifiable that my account is being marked as late for a period of 90 days.
  Furthermore, I recently updated my payment method from my original debit card to AutoPay using my Mastercard ending in ****0235. This transition was made to ensure seamless and timely payments, eliminating any possibility of delay due to outdated payment information. Despite this proactive measure, I have been unfairly penalized with a late status on my account.
  It is imperative to highlight that I have never been late in my payments to Kikoff. On several occasions, I have even made payments well in advance, sometimes up to 60 days ahead of schedule. Therefore, the assertion that I am 90 days late on my account is not only inaccurate but also entirely unfounded.
  Additionally, your own records, as indicated in the attachment provided, clearly demonstrate that I have consistently paid my account on time, without any instances of being 30 or 90 days late. This incongruity between your records and the status of my account further underscores the need for a thorough investigation into this matter.
  I urge Kikoff to conduct a comprehensive review of my account and rectify this error immediately. It is imperative that my creditworthiness and financial integrity are accurately reflected, especially considering the implications of such erroneous reporting on my credit profile.
  In conclusion, I request prompt and decisive action to address this issue and ensure that my account status is corrected without further delay. I trust that Kikoff will prioritize customer satisfaction and strive for an amicable resolution to this matter.
  Thank you for your attention to this urgent matter. I eagerly await your response and the resolution of this discrepancy.
  
  Sincerely,
  
  *****************************

  Business response

  05/14/2024

  
  
  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus. We also have sent correspondence to you that goes into greater detail about your concern. If you believe any of the information we reported is inaccurate, we are happy to review the reporting once more.  However we do ask that you contact us via email with any questions so that we may assist you and respect your privacy as it relates to your account details.  Our email contact is ********************************* Please when in contact mention this BBB complaint as well as the internal response to give our team all the resources to provide you the best possible service. We wish you the most pleasant of days.

• Initial Complaint

  05/08/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  This is a lieing thieving company.I asked for the contract to where I signed to not have my money returned after a 1year.This is a scam and Kickoff can't produce where I signed for them to keep my money. SHE STATED THERE IS NO SIGNATURE.So give my money back.

  Business response

  05/13/2024

  Thank you for the note. We understand your concern as to what you thought the account you had opened was to do for you as a product.  At Kikoff our accounts are to support your credit journey and each one supports that journey.  Upon review we see you held the Credit account but the ********************** loan was not activated.  In regards to the Credit Account, this does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. Once they are reported, they are not eligible for refund. This account is separate from the Secured Card account, as well as the ********************** account. The ********************** account provides a voucher for any payments made towards this account upon completion or closure, or has the ability to disperse these payments to the Secured Card account. 
  We understand if this is not the answer that you were seeking, but we hope this offers greater clarity as to the situation. If you have any further questions or concerns, feel free to reach out to us at ******************************** so that we may respond and assist you while respecting your privacy as it relates to your account information.  When in response, please share this BBB complaint as well as the more detailed internal correspondence with the responding agent to allow them the resources so as to provide you with the best possible service.  We thank you for your patience and understanding in this matter and we wish you all the best.
  
  

• Initial Complaint

  05/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Kikoff was taking $5.00 out of my account and stated I had a $750 credit line with them which I never had at all I stopped making payments of $5.00 to them because they never did what they said they would I sent emails to dispute this never heard from them they don't even have a phone nb to get in contact with there company please don't use this company I want this removed from my credit report

  Business response

  05/13/2024

   

  Thank you for the note. We understand your concern as to what you thought the account you had opened was to do for you as a product.  At Kikoff our accounts are to support your credit journey and each one supports that journey differently.  Upon review, we see you held the Credit Account but the ********************** loan was not activated.  Further, we did not find correspondence with us but please know that we are here to assist you.  Our email contact is *********************************  Additionally we do have a support phone line at ************** (hours of operation are Monday - Friday: 6:00am to 6:00 pm Pacific Daylight Time and Saturday - Sunday: 6:00am to 3:00 pm Pacific Daylight Time).  We have also added a chat feature that you may use through your application under support that is within the account information tab.

  In regards to the Credit Account, this does not return the money back at the completion of your payments. This is a revolving credit line where the payments are applied to the balance, as well as reported to the bureaus. Once they are reported, they are not eligible for refund. This account is separate from the Secured Card account, as well as the ********************** account. The ********************** account provides a voucher for any payments made towards this account upon completion or closure, or has the ability to disperse these payments to the Secured Card account. 
  It is important to note that At Kikoff, we are required to report accurate information to the bureaus. If you believe any of the information we reported is inaccurate, we are happy to review the reporting. In addition to this correspondence we have sent an internal response to you that goes into greater detail as to your personal information on the account.  If you have further questions.we do ask that you contact us via email with any questions so that we may assist you and respect your privacy as it relates to your account details.  Our email contact is ********************************* When in contact, please mention this BBB complaint as well as the internal response to give our team all the resources to provide you the best possible service. We wish you the most pleasant of days.

• Initial Complaint

  05/07/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I signed up for kickoff my credit card was comprised I had to get new credit card I call to cancel service this is still be report on my credit report negative I tried to call today 5/7/2024 and was not able to pay what's owe and ask to get letter stating that this is go to be taken off my credit report they are trying to make me stay with them for a year I wanted to resolve and trying to get off my credit I feel like they take advantage of consumer vulnerability like a predatory lender

  Business response

  05/13/2024

  Thank you for your note. Upon review, we see that we provided you with appropriate correspondence on Tuesday, May 7th, ************************************************** response to this complaint, we have provided you with additional internal correspondence regarding your reporting as well as verification of your account. At ******************, we are required to report accurate information to the bureaus. If you believe any of the information we reported is inaccurate, we are happy to review the reporting once more. Terms and conditions are presented at the time of account opening, which outlines the responsibilities of the loan and the monthly payment reporting to the bureaus. We consider your privacy when reviewing your accounts and request you contact our ******************************** if you have any account-specific questions regarding its status or any amounts.

• Initial Complaint

  05/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Inaccurate information my credit report Please see attachment for full details.

  Business response

  05/10/2024

  Thank you for your note. At Kikoff, we are required to report accurate information to the bureaus. We have also sent you an internal note that goes into greater depth regarding your concern and it is there that we have shared our privacy policy. If you believe any of the information we reported is inaccurate, we are happy to review the reporting once more. However we do ask that you contact us via email with any questions so that we may assist you and respect your privacy as it relates to your account details.  Our email contact is ********************************* Please when in contact mention this BBB complaint as well as the internal response to give our team all the resources to provide you the best possible service. We wish you the most pleasant of days.
  

*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. ↩