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:08/17/2026

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am formally disputing the refusal to refund the $281.00 that I paid through Denefits for treatment that was ultimately determined by my doctor to be medically inappropriate for REMOVEDhave contacted Denefits on multiple occasions requesting that my $281.00 be refunded to me. Despite my repeated attempts to resolve this matter, I have been refused a refund.

  

  Business Response

  Date: 08/21/2026

  Denefits understands the customer's concerns and would like to provide clarification regarding the timeline and the steps taken to process the requested refund.
  
  On July 28, Denefits received approval from the service provider to proceed with the cancellation and refund. We subsequently contacted the customer to move forward with the refund process. During that communication, on July 29, the customer informed us that the bank account associated with the original payment card had been closed.
  
  Under our standard refund process, refunds are issued back to the original payment method. This method is the fastest and most straightforward way to process a refund. However, because the customer's original bank account was reportedly closed, we requested a confirmation letter from the bank verifying that the account was closed. This documentation was necessary for us to evaluate and process the refund through an alternative method, such as a check.
  
  On August 11, the customer informed us that they had ended their relationship with the bank on bad terms and, as a result, had experienced difficulty obtaining the requested confirmation letter. The customer also threatend to file a REMOVEDcomplaint and pursue legal action.
  
  Even though we had not received the bank letter, Denefits continued to look for another way to help the customer receive the refund. We agreed to proceed with a check refund after receiving a DocuSign from the customer confirming that the original payment method was no longer active and that they had not received or requested another refund, chargeback, or reimbursement for the same amount. The document also confirmed that if the customer received a duplicate refund in the future, they would return the duplicate amount to Denefits.
  
  Denefits received the completed DocuSign from the customer on August 12. To help avoid any further issues or delays with the refund, we contacted the customer again to reconfirm the necessary account and refund details.
  
  The contract was under REMOVEDname, and the customer informed us that he did not have another active bank account. To help resolve the matter, Denefits made an exception and agreed to process the refund by check to his wife's bank account, subject to the required authorization and verification.
  
  After the customer confirmed the information on August 17, Denefits immediately submitted a request to the appropriate backend team to initiate the refund via check on a priority basis.
  
  Importantly, the BBB complaint was received on the same day, August 17, after Denefits had already taken steps to assist customer with the refund.
  
  Conclusion:
  
  Denefits never denied refund to the customer contrary to what customer has mentioned in the complaint. As an exception, Denefits also agreed to process the refund by check to the customer's wife's account, since the contract was under REMOVEDname and he did not have another active bank account. The initial delay was due to the customer's inability to provide the requested bank confirmation letter. However, rather than waiting for the letter, Denefits worked with the customer to find an alternative solution and proceeded with the check refund after receiving the required authorization and confirmation.
  
  For any further questions or assistance regarding the refund, the customer is welcome to contact the appropriate Denefits representative so that we can continue working toward resolution.

• Initial Complaint

  Date:05/21/2026

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My experience with REMOVEDhas raised serious concerns regarding business practices, transparency, and handling of client funds.Payments were successfully collected from my customers through their platform, yet funds owed to me were withheld without adequate explanation or timely resolution. Despite repeated efforts to obtain clarity and payment, communication remained inconsistent and unsatisfactory.Businesses considering this platform should carefully review all contractual terms, payout structures, reserve policies, dispute clauses, and fund-control provisions before allowing customer payments to flow through this REMOVEDthis stage, I am actively documenting all transactions, communications, and outstanding balances for further review and potential legal escalation if necessary.I strongly encourage any business owner using this service to closely monitor payouts and maintain independent records of every client transaction.Extremely disappointing experience with denefits.com.They collected money from my clients, but when it came time to release funds owed to me, everything became delayed, excuses and unanswered questions. Watching customer payments sit in their system while trying to get clear answers has been beyond frustrating.If you are a business owner, be very careful before trusting this company with your customer payments. Once they control the money flow, recovering your funds can become a nightmare.Communication was poor, accountability was worse, and the entire experience created unnecessary financial stress and operational damage to my business.I would strongly advise businesses to do extensive due diligence before using this platform.

  

  Business Response

  Date: 05/28/2026

  As discussed with the business in the recent past, one of their customers raised a refund concern, stating that they had been informed they would receive a refund once the services were provided or completed.
  
  In light of the concern raised, we requested supporting documentation and proof of services for our review. However, the requested documents have not yet been shared by the business. As a result, and considering the severity of the situation, the system has placed the payout on hold.
  
  We request the business to send an email to our support team at REMOVEDalong with a preferred contact number and a convenient time for a call. This will allow us to discuss the matter further and assist in resolving the issue in the best possible manner.

• Initial Complaint

  Date:05/06/2026

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business has called our place of Business dozens of times over the course of several weeks attempting to sell us on services that we do not need. They harass my front desk daily and do not take no for an answer. Any further contact will constitute harassment and I will file charges in the state they operate from.

  

  Business Response

  Date: 05/13/2026

  We are in receipt of your feedback regarding our recent outreach efforts. We sincerely regret any frustration or disruption our communication may have caused your business and your front desk staff.
  
  Our outreach is designed to share potentially valuable services with other businesses. We understand that your preference is to decline these inquiries at this time. We respect this feedback and have updated our records accordingly to ensure our professional standards are maintained.
  
  In response to your complaint, we have updated the status of your business profile in our current outreach campaign to reflect your request for no further contact at this time.
  
  We appreciate you bringing this to our attention and allowing us the opportunity to address your concerns.

• Initial Complaint

  Date:04/17/2026

  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.

  My business began using Denefits in February 2026 for student financing. Since then, Denefits has collected money from my students through financing contracts, yet not one dollar has been paid out to my REMOVEDof today, Denefits has processed $7,440.06 on my behalf, with zero paid to me. This has caused serious financial strain on my small business. We were encouraged to roll out this financing option, spent time onboarding students, and relied on Denefits to properly collect and remit funds. Instead, we have experienced delays, conflicting information, broken promises, and no REMOVEDthe Denefits portal, I can clearly see money collected from my student contracts and upcoming payments they intend to continue collecting. However, under REMOVEDreports for my business, it shows no data at all. This means the system reflects collections, but provides no payout information and no explanation of when or if my money will be released.I have repeatedly contacted Denefits without resolution. I emailed REMOVEDand REMOVED, copying my rep REMOVEDdemanding release of my funds, cancellation of my contracts, and closure of my account. I was told they would assist, but they did not.The next day, I was told I would receive calls at 1:00 p.m. and then 2:00 p.m. Neither happened. I called back at 2:45 p.m. and was again promised a callback. By 6:30 p.m., there was still no response, explanation, or resolution. Both I and my associate, REMOVEDhave repeatedly REMOVEDspecific example is Contract ID REMOVEDwho paid $4,850.00 in full, yet none of those funds have been paid to REMOVEDam requesting immediate release of the $7,440.06 owed, cancellation of all active contracts, closure of my account, a full accounting of all collected and pending funds, and a written explanation for why no payouts have been issued since February 2026.

  

  Business Response

  Date: 04/24/2026

  Dear Better Business Bureau,

  Thank you for bringing this matter to our attention. We have received the complaint submitted by REMOVEDand appreciate the opportunity to address their concerns.

  We would like to inform you that a supervisor from our onboarding team is currently in direct communication with the business owner and their associate. Both parties have been in active dialogue over the past couple of days to review the account details and address the specific concerns regarding fund disbursements and contract management.

  We are committed to resolving this matter amicably and will continue to work closely with the client until a satisfactory conclusion is reached.

  Sincerely,

  Denefits Team

  Customer Answer

  Date: 04/24/2026

  I am responding to the businesss reply and would like to clarify that this matter remains unresolved.
  

  While there has been recent communication, it has not resulted in a meaningful resolution. The core issuethe release of funds owed to my businesshas not been addressed.
  The company has issued a partial payment of $500; however, this is only a small portion of the total amount collected on my behalf, which exceeds $7,000. The remaining balance has not been released, and no clear timeline has been provided.
  

  The $500 payment was not presented as a standard resolution. It was offered in connection with conditions that included removing this complaint and committing to continue using their platform, including maintaining current clients and enrolling additional clients. I am not willing to agree to any arrangement that requires such actions in order to receive funds already owed.
  

  I have also received multiple conflicting explanations regarding the delay, including system errors, verification requirements, and varying ACH processing timelines. Standard ACH transfers typically process within 13 business days, and the company was able to issue the $500 payment in less than one day, which raises concerns about the explanations provided for the remaining funds.
  

  At this time, the majority of funds remain unpaid, and no consistent explanation or timeline has been given.
  I am requesting the full release of all remaining funds owed, without conditions, and with a clear timeline. Until that occurs, this matter cannot be considered resolved.
  
  
  

  

  Business Response

  Date: 05/07/2026

  We would like to clarify the account and funds at issue.

  The business has referenced more than $7,000 in both complaints; however, this figure is not accurate. Only one REMOVEDtransaction is currently on hold. During the account setup process, the business was clearly informed of the Denefits contract initiation fee, which is retained by Denefits. Additionally, depending on the platform used to create a payment plan, first recurring payments may be held in reserve and released upon successful completion of the contract. As such, the total amount cited does not reflect the actual status of funds.

  Except for the REMOVEDtransaction currently on hold, all other payments will be disbursed according to the agreed payout schedule, as and when funds are received from customers. This was also explained during recent phone calls. Denefits maintains strict financial security protocols.Large REMOVEDpayments may trigger standard risk-management procedures and a temporary administrative hold. This precautionary measure ensures transaction stability and protects all parties from potential risks involved.

  Additionally, the $500 payout referenced by the business was issued as a goodwill gesture. This was done in an effort to address prior misunderstandings and to help restore a positive working relationship. Based on the businesss decision to reopen the complaint and their recent response, it appears they may no longer wish to continue using the Denefits platform.  While we respect their decision, we regret that we were unable to continue the relationship under mutually agreeable terms.
  
  The business has already been informed by a supervisor of the timeline for releasing the held REMOVEDfunds. Once the hold period has concluded, those funds will be disbursed accordingly. Any future customer payments will continue to follow the standard payout schedule. If the business would like to discuss this matter further, our supervisor remains available to assist via phone.

  Customer Answer

  Date: 05/13/2026

  I am responding to keep this complaint open, as the matter has not yet been fully resolved.
  

  While Denefits and I have been in communication regarding this issue, the full balance owed to my business has still not been paid. During recent discussions, I was informed that the remaining funds should be released within approximately 1520 days.
  

  However, due to the multiple timelines and explanations previously provided regarding payment, I am unable to consider this matter resolved until the remaining payout has actually been received and confirmed.
  

  At this time, I am requesting that this complaint remain open until:
  The remaining funds owed are fully released
  The payout has been successfully received by my business
  

  Once the funds have been received in full, I will gladly update the complaint accordingly. Until then, this matter remains unresolved.

• Initial Complaint

  Date:03/09/2026

  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.

  T disput is to a collection for a vehicle that was suppose to be repaired that was returned to me in worse condition then arrived at the shop the vehicle ended up having further power train issues within the week and was totaled out. Therefore I stopped paying the contract which stated that I can cancel at any time. Tried to cancel numerous times and was informed I had to wait until the completed the contract And was never given a date on when that would be dispute trying to contact daily.

  

  Business Response

  Date: 03/16/2026

  The contract was initiated in July 2020, and the customer made timely payments till September 2020. After this period, the customer stopped making payments on the contract. Our billing department remained in contact with the customer regarding the missed payments until November 2020; however, no service-related concerns were raised during that time.

  Over the following period, our billing team was able to connect with the customer, and the customer indicated that they intended to proceed with resolving the outstanding payments on the account. However, the customer eventually became unresponsive to further communications.

  At a later point, our billing team was again able to reconnect with the customer to discuss the status of the account. During that conversation, the customer again indicated that they would address the outstanding payments under the payment plan. Since that time, however, the customer has not responded to additional outreach attempts from our billing department.

  Please note that Denefits role in this arrangement is limited to facilitating and processing payments under the agreed payment plan. The services associated with the underlying contract are provided directly by the service provider, and any cancellations or modifications are subject to the service providers approval.

  Upon receipt of the complaint, we attempted to contact the customer via the registered phone number and email address; however, we were unable to establish contact.

  We remain willing to work with the customer to resolve this matter. The customer is welcome to reconnect with us, and we will make every effort to assist. We kindly request that the customer share a preferred phone number and a convenient time for contact via email at REMOVED.

  Once the outstanding balance is paid, the contract will be closed and the Denefits account will be reported as closed on the customers credit report.

• Initial Complaint

  Date:02/26/2026

  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.

  So my most recent issue but it's been an issue in the past anytime I ask these people for my payment history or my contract they act as if they can't send It me because my payment is in pending status I've asked them several times. What does my pending payment has to do with my previous payments. I can't get a copy of my contract because my payment is pending. How come?!?!Also, my other complaint is that when I do make my payment on time which they removed from my account through ACH that when I go back to check the updated status, it shows that I am past due and late fees with interest have been added. I feel like this company is applying a payment to the extra added late fees, and not the previous balance that was shown when my payment was made on time even when I called today on February 26, 2026. The REMOVEDtold me I needed to pay off the balance which showed the past due amount and the extra interest added even though he showed that I made my payment on time. I can never get a correct answer from this company. I feel like this whole company is a rip off and the company that I did the contract through which is imagine wellness in REMOVED, REMOVEDwas a rip off as well because the same products he sell is the same products you can go get in any vitamin Shoppe to aid you in whatever you need. I received no results and I followed everything he asked. The interest rate that they provide is ridiculous. The service that I received was only about 4000 and I'm paying these people almost $10,000 back fees.Both companies need to be looked at to make sure they are not scamming REMOVEDThe other company address REMOVEDI attached the only copy I could find and I only have it because I made the payment myself and at that time it let me get a copy.

  

  Business Response

  Date: 03/02/2026

  Our records show that the customer voluntarily enrolled in the payment plan with us in March 2024.

  Regarding the customers recent concern about obtaining a copy of her contract, when she contacted us, her ACH payment (bank account draft) was still in a pending status. ACH payments typically require 57 business days to process and clear. During this processing period, the contract is temporarily frozen within the system. While frozen, the contract cannot be downloaded, shared, and no changes can be made.

  This information was explained to the customer at the time of her inquiry. We also advised her that she could review her payment activity through the Denefits customer portal while the payment was processing. However, she declined this alternative option.The ACH payment has since cleared, and we have now emailed a copy of the contract to the customer at her registered email address.

  Regarding her additional concerns about the balance, the terms of the agreement clearly outline that when payments are scheduled over time, interest is applied to the financed amount. Additionally, late fees are applicable if payments are not received by their due date. These terms apply uniformly to all customers. The customer has contacted us on multiple occasions in the past but did not previously express concerns regarding the service amount or the structure of the payment plan.
  

  For clarity and transparency, we have sent the customer a detailed breakdown of her contract, including the financed amount, applicable interest, payment schedule, and any fees assessed, along with a copy of the signed contract. We remain available to address any further questions or provide additional clarification and have invited the customer to respond directly to our email so we may assist her further.

• Initial Complaint

  Date:01/25/2026

  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 reporting identity theft involving a fraudulent Denefits LLC installment account (#REMOVEDopened on 07/23/2025. I did not apply for, authorize, or have any knowledge of this account. I request immediate investigation, removal from my credit reports, and written confirmation once resolved.

  

  Business Response

  Date: 01/30/2026

  We have received your report regarding the Denefits installment account ending in 4341 that you reported as unauthorized.

  
  Based on the documentation you provided to date, including your FTC Identity Theft Report (Ref: REMOVED) and IC3 submission, Denefits has taken the following steps:

  
  Account Status: We have closed the account and flagged it as identity-theft related. Denefits will not conduct further servicing on this account.

  
  Credit Reporting: Denefits will submit request to credit bureau to remove the related tradeline.

  
  Please allow 3045 days for the credit bureau to process updates after our submission. If the tradeline remains after that timeframe, please contact us with a copy of the report section showing the account and the date the report was pulled so we can follow up.

• Initial Complaint

  Date:01/22/2026

  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.

  This is a clollection for a credit repair company that did t follow through on their guarantee to raise my score by 100 point. Therefore I stopped paying the contract clearly stated that I can cancel at any time. Tried to cancel numerous times and was told I had to wait till everything was finished but was never given a clear date of when that would be

  

  Business Response

  Date: 01/29/2026

  The customer entered into the contract in February 2025 and made only one payment on the contract. Denefits role is limited to payment processing; all services are provided and managed by the service provider.
  
  The customer later requested cancellation due to service concerns. Denefits contacted the service provider, who confirmed that services had already been rendered and that the contract was therefore not eligible for cancellation. This information was communicated to the customer.
  
  REMOVEDmade reasonable efforts to assist the customer by explaining our limited role and discussing any available payment-related options within our scope of authority. However, Denefits does not have the ability to cancel, modify, or override the contract without the service providers approval.
  
  As clearly disclosed in the payment plan agreement, payment activity associated with this account may be reported to credit reporting agencies, including REMOVED. Denefits reported information reflecting the customers actual payment history, and all reporting is accurate.
  
  An outstanding balance remains due under the terms of the contract. Any service-related concerns must be addressed directly with the service provider. Denefits remains available to assist customer with payment related questions.

• Initial Complaint

  Date:01/19/2026

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an account from REMOVEDnegatively reporting on my credit reports . I never had an account with this company. I have on multiple occasions disputed this directly with the business to no avail. I want this fraudulent account deleted from my credit reports . I want denefits to report the credit agencies this account is not mine and to remove it.

  

  Business Response

  Date: 01/26/2026

  The customer enrolled in a payment plan with our company in September 2024. In October 2024, the customer communicated with our team via email to update the payment card associated with the contract and also spoke directly with one of our customer support representatives regarding the same matter.
  
  In November 2024, the customer further communicated with us via text message confirming receipt of services from the service provider associated with the contract.
  
  Despite these confirmations, the customer later disputed two payments made under the contract in November 2024, alleging fraudulent charges. Based on our internal review, including prior email correspondence, text communications, and customer support interaction records, our records reflect that the transactions were authorized and that services were provided in accordance with the contract.
  
  The customers financial institution reviewed the related payment disputes and resolved those payment disputes in our favor, confirming the validity of the transactions. As a result, the outstanding balance remains due pursuant to the terms of the agreement.
  
  For assistance with payment arrangements, the customer may contact our billing department at REMOVED

• Initial Complaint

  Date:01/09/2026

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business is full of SCAMMERS, first of all their fees are ridiculous the only reason I went with them is because they claim the payments will be reported to the clients credit. It only appears on equifax not all 3 bureaus. I have 2 clients that paid delinquently over a YEAR ago and Denefits still hasnt paid me yet. They claimed I need to wait for the clients credit to update before I can get paid but guess what? IT ALREADY DID! Now every time I call for my money they either dont answer or say someone will call me back and never do. Please do not do business with this company

  

  Business Response

  Date: 01/14/2026

  Thank you for bringing your concerns to our attention.We take all feedback seriously and regret to hear about your experience. Our goal is always to provide transparent communication and timely support to our partners, and we apologize for any frustration this situation may have caused.We are currently reviewing the details. To ensure this matter is addressed thoroughly, we will be arranging a call from a concerned supervisor within the next 12 days to address your concerns.We appreciate your patience and the opportunity to resolve this matter directly.

  Customer Answer

  Date: 01/15/2026

  This company have been telling me the same thing for the last 6 months and no supervisor ever calls