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:10/30/2025

  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.

  CREDIT REPORT DISPUTE LETTER Your Name: [***** ******]Address: [************************************************************************************]Date of Birth: [**********]Last Four of SSN: *************__Date: [10/29/25]To:Experian P.O. ************************* Subject: Formal Dispute Under FCRA 611 Deferit **************** Accounts Dear Experian,I am writing to dispute inaccurate accounts that appear on my credit report. The accounts listed as ******************** *** and Crdmgmcomp are not mine, and I request that they be investigated and removed from my credit file immediately.According to my records, I have never opened, authorized, or had any relationship with either company.I am invoking my rights under the Fair Credit Reporting Act (FCRA), Section 611 (15 U.S.C. 1681i),which requires credit bureaus to conduct a reasonable reinvestigation of disputed information and delete unverifiable accounts within 30 days.Please re-verify these accounts directly with the furnishers. If Deferit *** or Crdmgmcomp cannot provide verified documentation such as an application or signed agreement bearing my name the accounts must be deleted in accordance with FCRA 611(a)(5)(A).Account Details:- Creditor Name: Deferit *** - Account Type: [Installment / revolving ]- Account Number: [Last 4 digits or 1643]- Creditor Name: Crdmgmcomp - Account Type: [Unknown / Other]- Account Number: [Last 4 digits or N/A]Please send me written confirmation of the results of your investigation and an updated copy of my credit report once these items are resolved.Thank you for your prompt attention to this matter.Sincerely,[***** ******]***********][******************************]

  

  Business Response

  Date: 10/31/2025

  Hi *****,
  
  Thank you for bringing this matter to our attention. We take all reports of potential fraud very seriously and are committed to ensuring your information remains secure.
  
  Weve sent you a direct email at ************************ with instructions to begin our verification process so we can move forward with the investigation. To confirm your identity and help us proceed, please complete the quick verification via our secure Onfido link:
  ************************************************************
  
  This process only takes a few minutes and will allow our accounts team to thoroughly review and investigate the matter.
  
  Once youve completed the verification, kindly let us know so we can confirm receipt and ensure your case is escalated for immediate review.
  
  Thank you again for your cooperationwere here to support you every step of the way.

• Initial Complaint

  Date:10/28/2025

  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.

  FCRA Violation Notice Formal Legal Demand for Immediate Deletion This correspondence constitutes a formal notice of violation under the Fair Credit Reporting Act (FCRA). Pursuant to 15 U.S.C. 1681e(b), every consumer reporting agency and furnisher of information is legally obligated to maintain the maximum possible accuracy of all data reported. The accounts identified in my dispute contain inaccurate, misleading, and unverifiable information, representing a willful and reckless breach of federal compliance standards. Such conduct directly violates 15 U.S.C. 1681n and 1681o, rendering your organization civilly liable for actual, statutory, and punitive damages, as well as attorneys fees and costs.

  

  Business Response

  Date: 10/29/2025

  Thank you for your patience. Wed like to provide you with an update on the results of our investigation. Here are the actions weve taken:
  The tradeline associated with your account will be removed from the credit bureaus. Any outstanding amounts on the account have been waived. Your account has been successfully closed.
  
  We appreciate your patience throughout this process. If you have any further questions or need additional assistance, please feel free to reach out. Were here to help!

• Initial Complaint

  Date:10/28/2025

  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 am writing to bring to your attention a fraudulent account that has been opened in my name. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor *************************** Opened Date: 4/23/2024 Account Number: *******************I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter. I look forward to your immediate action and confirmation.

  

  Business Response

  Date: 10/29/2025

  Hi ********,
  
  Thank you for your recent communication regarding a claim of identity theft.
  
  We have completed our investigation and determined that the uploaded bills associated with the account are in your name, which aligns with the information provided during enrollment.
  
  Based on these findings, we are unable to accept the identity theft claim at this time.
  
  If you have any additional documentation supporting your claim, please submit it to us by replying back, or submitting the documents to ************************************* Upon receipt, we will gladly re-open the investigation and review the new information.
  
  If you have any questions or need further assistance, feel free to reach out via our Help Center.
  
  Kind regards,
  Customer Care Team
  ********************

• Initial Complaint

  Date:10/22/2025

  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 used deferit to pay a bill in 4. I finished paying the bill, thought it was convenient so I paid the same reoccurring bill using the pay in 4. It is set up in auto pay with my bank DEBIT card. I received a notice from them that my card was flagged as "high fraud". I had used a virtual DEBIT card from my bank account so I replaced it with the actual card number. (I have paid off on pay in 4 already and owe 3 payments on the second pay in 4). They reached to me again saying my account was still locked. Iuse that virtual card on all my online payments and never have an issue, and other online businesses are still using the virtual card as a form of payment. My physical debit card is active. I tried to call but there is no phone number. So I emailed them. They emailed me back to send over unencrypted email a photo of my ID and a photo of my bank card with the last 4 digits showing. No. That is not secure at all. I contact my bank who confirmed my card is absolutely fine. I emailed I was uncomfortable doing that to please open the portal and I would pay in full. They replied again asking for the photo of my ID and my card with last four digits to be EMAIL. I again declined and told them to open the portal so I can pay in full. a THIRD time they replied for me to send my legal name, birthdate, and social security last 4 digits. NO - a scammer could use that for a lot of fun. No way I am sending that on unencrypted email. I WANT TO PAY IN FULL AND CLOSE THE ACCOUNT!!! This is highly irregular.

  

  Business Response

  Date: 10/23/2025

  Hi *********,
  
  We understand your concerns and appreciate the opportunity to provide further clarity.
  
  As outlined in our previous correspondence, your account was automatically locked by our banking networks security systems. These measures are designed to safeguard your financial information whenever irregular activity or data inconsistencies are detected. This process is fully automated and not a manual action taken on our end.
  
  To securely verify account ownership and restore access, we requested limited identifying information. This is a standard verification step used across financial services to ensure account access is granted only to the authorized individual. Please be assured that all information shared with Deferit is handled in strict accordance with our privacy and data protection protocols.
  
  Once verification is complete, we will promptly unlock your account and proceed based on your preference. Should you have any other questions or require further assistance, please don't hesitate to reach out directlywe're here to help.

• Initial Complaint

  Date:10/21/2025

  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.

  they are billing me ***** then ***** then *****, my bank said the company keeps using different names to charge my account. i do not owe them, i got a new card and they have fradunetly received my new card , their site does not allow you to remove your card or cancel the membership. only email and i have emailed them and i'm sick of this fraudently company

  

  Business Response

  Date: 10/22/2025

  Hi *******,
  
  Thank you for bringing this to our attention. Weve completed a full review of your account and confirmed that all subscription fees incurred during your hardship payment plan have been refundedspecifically for May 2025, June 2025, July 2025, August 2025, and October 2025.
  
  Refunds were issued immediately on our end, and while most banks post funds within 23 business days, in some cases it may take up to 10 business days to reflect. The September 2025 subscription charge is currently under your banks dispute process, and its timeline will depend on your banking institution.
  
  For transparency, refund receipts are attached for your records. We appreciate your patience and understanding as we resolved this matter. Should you have any other concerns or require additional assistance, please don't hesitate to reach out directlywe're here to help.

  Customer Answer

  Date: 10/24/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***** ******
  
  
  
   
  
  

• Initial Complaint

  Date:10/20/2025

  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.

  On the recorded line with deferit and also with there third party company indebted I was told and agreed to a pay for deletion I have been waiting months and went there disputes and they havent done a thing but try to validate the late payment if a true investigation is done and I mean true they have to hand over that phone call with me which make my point valid

  

  Business Response

  Date: 10/20/2025

  Hi *******,
   
  Weve gone ahead and taken action close your account and remove the Deferit tradeline from your credit report as a one-time goodwill adjustment. Please note that it may take 2 to 4 weeks for this change to be reflected in your credit file, depending on the credit bureaus update cycle.
   
  If you have any further questions or need assistance in the future, feel free to reach out.
  

• Initial Complaint

  Date:10/17/2025

  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.

  Took money out my bank denied me service of not paying the bill I submitted

  

  Business Response

  Date: 10/20/2025

  Hi ******,
  
  Thank you for bringing this to our attention. Weve been in direct contact with you via email to confirm that both refunds for your September and October subscriptions have been successfully processed, and your account has been fully cancelled as requested.
  
  As noted in our correspondence, refunds are issued immediately on our end; however, the timeframe for the funds to appear in your account depends on your banks processing timesmost complete this within 23 business days, though in some cases it may only take up to 10.
  
  For your reference, weve also attached copies of the refund receipts confirming these transactions.
  
  We appreciate your patience and understanding, and were glad to have resolved this matter for you.

• Initial Complaint

  Date:10/17/2025

  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.

  On October 12, 2025, I signed up for a subscription with Deferit to split a high utility bill into four payments.On October 13, 2025, I tried Deferits negotiation service for two bills. It was not clearly disclosed that if they negotiate a lower amount, they keep 50% of the savings as their feesplit into four automatic deductions.Deferit negotiated with one ****** and immediately withdrew $120 from my checking account without warning as the first installment of their fee. I was not informed this would happen.I contacted Deferit by email (no phone support) but got no reply. I then reached out via ******** Messenger and finally received a response about the $120 withdrawal.Believing the issue resolved, I submitted my utility bill for payment. Deferit requested my online account credentials to verify payment options. Soon after, I received a notification that the bill was paid.I assumed Deferit paid it and Id repay them in installments. The next morning, I discovered the entire bill amount was deducted directly from my checking account, meaning their system caused payment using my saved banking info on the billers site instead of theirs.When I contacted them again, they told me to contact the ****** for a refund and refused to assist further. I have since deleted my bills, requested a refund of the $120 plus the $15.98 subscription fee, and asked to cancel my account, but theyve stopped responding completely.This experience has been frustrating and financially stressful. Deferits lack of transparency, unauthorized withdrawal, and refusal to help show unethical and misleading practices.

  

  Business Response

  Date: 10/17/2025

  Dear *****,
  
  Thank you for giving us the opportunity to revisit this matter and for your continued patience throughout the process.
  
  Following our ongoing correspondence via ******** Messenger, our team completed a comprehensive review of your account and the bill payment in question. Our findings confirmed that the utility bill payment was not processed through Deferits system. When we accessed the billers website, the platform displayed a $50.00 payment limit, which meant the full payment could not be completed through our service. This review helped clarify that the payment you saw was made through the billers system rather than ours.
  
  We truly appreciate the time youve taken to work with us and value your feedback. If youd like to review any remaining details or confirm your account status, please don't hesitate to reach out to us directlyour Customer Heroes are always here to assist and ensure youre fully supported.

  Customer Answer

  Date: 10/20/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I do not agree with this response. I never said they paid the bill through their system. I said that whoever logged into my online Entergy account paid the bill while there. My personal banking information is saved in my online account. NO ONE else has my login credentials. I am the ONLY one that logs into that account to pay the bill! I gave those credentials to Deferit at 12:44pm (CST) and at 12:59pm (CST) I received the notification that the bill was paid. I did not pay the bill. If I was going to do that, I would not have been looking for services to help with the bill. Also, I spoke with ******* regarding the $50 limit on payments. She told me that there are $50 limits on NEW CUSTOMERS with a $0 balance ONLY. If you are an existing customer with a balance due, there is no limit on the account. I stand behind my belief that whoever logged into my online Entergy account made the payment that day. Whether they did it intentionally or unintentionally, it was done causing me to be in a major financial bind. 

  Also included in my complaint was the fact that they charged my debit card $120 for what they say was the 1st installment on the savings they obtained on my behalf with *******. I went over and have went back over the "Negotiations" FAQ portion of their website and nowhere in there does it state that they take the "1st installment" immediately!! Had I known this, I would have never put the bill in for negotiations because I did not have the "extra" money for them to take for an installment!! I have no proof of any saving at all for the ******* bill, other than their word so I want my $120 back!

  I have attached the following documents as proof of said statements:

  - ******** Messenger Chat conversation between myself and the Deferit agent.

  - Emails from Deferit

  - Snapshot of bank account of ******************** charges and Entergy payment

  - Deferit Negotiation FAQ

  Also, I have since cancelled that debit card so they don't take any more money out of my account, causing further financial damage and I was advised by Entergy to change my online credentials to prevent them from logging into my account again. I took their advice so that has been changed as well.

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 10/24/2025

  Dear *****,
  
  Thank you for taking the time to share additional details regarding your concerns. We sincerely appreciate the opportunity to provide further clarification and support.
  
  After a comprehensive review of your account and the related activity, our findings confirmed that the Entergy bill payment was not processed by our designated team. When your billers website was accessed, we encountered an interface displaying a $50.00-payment limit, which made it impossible for the full bill amount to be completed on our end. We understand how this may have caused confusion given the timing, and we want to assure you that no payment was initiated, authorized, or withdrawn by Deferit for that bill.
  
  Regarding your Verizon Bill ************ were pleased to confirm that we successfully secured a savings adjustment on your plan. Below is a summary of the verified outcome for reference:
  Negotiation ************************************* **************** Rate Plan (no changes): LTE Home Internet + Unlimited Plus (4 lines) + Unlimited Welcome (2 lines)
  Old Rate: $473.22 after taxes and fees
  New Rate: $393.22 after taxes and fees
  **************** $80.00
  Total Annual Savings: $960.00 (based on 12 months)
  Promotion Reference: ********
  Promotion Start Date: November 3, 2025
  Promotion End Date: October 13, 2026
  As noted, the new plan rate takes effect starting November 3, 2025, which is why the discounted amount is not yet reflected on your Verizon billing. Once the promotion begins, the savings will automatically apply each billing cycle for the duration of the promotional period.
  
  We also want to ensure clarity around how the negotiation fee works. When Deferit successfully secures a lower rate, a service fee equal to 50% of the verified savings is charged in four installments. The first installment is processed once the negotiated change is confirmed by the ******. We understand this may have come as a surprise, and we are taking steps to ensure this information is communicated more clearly moving forward to enhance our users experience.
  
  As previously communicated via ********, we have offered to refund your recent membership fee as a gesture of goodwill. However, because your debit card has been canceled per your update, were currently unable to process the refund until a valid payment method is added back to your account. Should you decide to accept the refund, well be happy to immediately issue the refund to the updated payment method once a new card is on filejust let us know.
  
  We truly value your feedback and the time youve taken to communicate with us. Our goal remains full transparency and resolution, and were here to assist you however we can. Please dont hesitate to reach out directly to confirm how youd wish to proceedwere committed to supporting you every step of the way.
  

  Customer Answer

  Date: 10/24/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I do not agree with their findings! I know for a fact that whoever logged into my online Entergy account that day made the payment! I am not saying it was done intentionally, but regardless, it was done! No, it was not done through your system, it was done through the Entergy system, using my saved banking information. You won't change my mind!

  As for the negotiations, I read where the savings are split 50/50 but I DID NOT read anywhere that the 1st installment is taken immediately. IT IS NOT STATED ANYWHERE ON YOUR WEBSITE!! Yes, you should change it for better clarification going forward but that does not help what you've done to me financially. Because of your lack of clarity and carelessness, I have to suffer and fix what you've messed up! You don't have to worry about it happening again, though! I will NEVER use your services or refer you to ANYONE!!

   

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

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

  

  Business Response

  Date: 11/05/2025

  Hi *****,
  
  We appreciate you taking the time to share your continued perspective. We understand the concern regarding your Entergy account credentials and payment activity. While our investigation confirmed that the payment in question was not processed on our end, we recognize that this situation has been frustrating and respect that your personal experience differs from our findings.
  
  We truly value your feedback and remain committed to continuously improving our communication and transparency. Were always working to ensure our processes are as clear and straightforward as possible so that our members have full confidence in how each feature operates.
  
  To clarify further regarding your Verizon Bill ************ our Terms of Service indicate that the first installment of the successful negotiation fee is applied at the time your bill is submitted, once the savings have been confirmed by the ******. We understand that this may not have been as clear as it should have been, but rest assured that weve shared your feedback internally to help improve how we communicate this process moving forward. For more information, please feel free to visit *******************************************.
  
  As part of resolving this matter, the initial payment for the successful Bill *********** has been refunded, and all future installments have been cancelled.
  
  Should there be anything else you need assistance with beyond these two items, please dont hesitate to reach out directlywere here to help.

  Customer Answer

  Date: 11/07/2025

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***** ******
  
  
  
   
  
  

• Initial Complaint

  Date:10/15/2025

  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.

  They have the subscription rigged where theres no way on their website to cancel membership or remove my debit card and I dont want to be charged for something I dont feel is legitimate.

  

  Business Response

  Date: 10/15/2025

  Hi ******,
  
  Thank you for reaching out and sharing your feedback. We're pleased to confirm that your account and membership have been successfully canceled as requested.
  
  If you have any other questions or require further assistance, please dont hesitate to reach outwere happy to help.
  

• Initial Complaint

  Date:10/09/2025

  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.

  I am filing this complaint against Deferit for unauthorized billing and continued charges to my account despite my decision not to use their services. I did not wish to use Deferits services and made that clear. However, Deferit continued to charge me subscription fees for July and October, which I never agreed to or authorized. These charges caused my account to go negative by $30. I did not request any bill payment services, and no valid reason was provided for why the billing continued after I had stopped using or intending to use the account.

  

  Business Response

  Date: 10/20/2025

  Hi ******
  
  Thank you for reaching out and for providing the attached screenshot showing the Deferit line item on your account. We appreciate you taking the time to share that information, as it helps us conduct a thorough review.
  
  Upon examining our records, we confirm that both of your previous Deferit accountsregistered under ******************* and ************************** deactivated at your request in May 2024. Since that time, no subscription fees or charges have been processed on either account.
  
  Based on this review, it appears that the charges reflected in your attachment may be associated with a different Deferit account registered under another email address. To assist you further, could you please confirm whether you may have used any other email address between July 2025 and October 2025 to access or sign in to Deferit? Once we receive this information, we will promptly investigate and provide a detailed update.
  
  We appreciate your cooperation and understanding as we work to ensure this matter is fully resolved.

  Customer Answer

  Date: 10/23/2025

  It was a while ago but I stop using the account and I cant find which email I used in regards