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:07/28/2025

  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.

  Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

  Business Response

  Date: 07/29/2025

  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 Kikoff understands how important both of these items are and how you might be concerned about this. We would first like to direct you to our privacy policy attached here which forms part of our Terms of Service and outlines how Kikoff uses your information. Late payments can have a large impact on a credit report which is why Kikoff offers a generous ***** period. 
   
  As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). 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. 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.
   
  You expressed concern that you did not grant Kikoff permission to report your information to the credit bureaus. However, our records show that you accepted the account terms on September 13, 2022, which outline your obligations under the loan agreement and Kikoff's reporting of monthly payment information to the credit bureaus. As a company that serves our customers virtually, accepting the account terms is completed electronically and we do not have wet signatures available. Please note that part of building credit is showcasing a person's payment history and these transactions are eligible for reporting and are in line with our agreements.

  We understand your request and regret to inform you that we will not be able to remove Kikoff from your credit report. Our role is to provide information to the applicable credit bureaus in which we hope helps your credit building journey.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/25/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 07/28/2025

  Hello Shalimon, 

  esolving 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.
   
  Our records show that the last payment we received from you was on January 10, 2024, and the account was charged off on August 26, 2024, due to an extended period of nonpayment. 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 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. 

  We would like to clarify that we, as a company, are not in the practice of debt collection and are not debt collectors. You are still welcome to pay the balance if you wish; however, we do not require payment, nor will we contact you after closure regarding the outstanding balance.
   
  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.
   
  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

• Initial Complaint

  Date:07/24/2025

  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 Kickoff Lending LLC .I do not have a contract with them.They did not provide me with the original contract as I requested.

  Business Response

  Date: 07/28/2025

  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 April 16, 2024, 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.
   
  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.

• Initial Complaint

  Date:07/24/2025

  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.

  My name is ******** ******* *******. I am reporting that multiple accounts and credit inquiries have appeared on my credit report that I did not open or authorize. These include accounts with *********** Auto Finance, Credit Acceptance, ******************, ****************, Portfolio Recovery, ******************, and others. Some of them are collections or debt buyer accounts and I have no knowledge of them. I also noticed many inquiries from lenders and car dealers that I never contacted. I believe someone has used my personal information without my permission. I did not open these accounts or request these inquiries. This is identity theft and I am requesting a full investigation. Please help me correct and block all these fraudulent records from my credit report.

  Business Response

  Date: 07/28/2025

  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. 
   
  To be approved for a Kikoff loan/credit account, an applicants identity and personal information must be verified, including name, date of birth, address, and Social Security number. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in May 2024, all of which matched.
   
  While we acknowledge the submission of an FTC report, please note that an FTC report alone does not constitute sufficient proof of fraud. We understand that contact information may change over time; however, our investigation confirms that the information used at the time of signup remains applicable and current for you.

  Additionally, our system requires multifactor authentication (MFA) to verify both phone and email, not only during the initial account sign-up but also for subsequent logins. This additional security measure ensures that only the verified account holder can access and manage their account.
   
  In our investigation, we found that you used the Disputes feature available on your account to dispute multiple items on your credit report. A fraudster would not dispute various accounts on your credit report on your behalf. Additionally, we found that all account activity occurred from a device matching your location. 
   
  Furthermore, during the application process, you electronically acknowledged our terms, which is a required step to proceed with opening the account. We sympathize with your situation and would take action if the evidence indicated otherwise. However, we also have a responsibility to report accurate information, which in this case appears to be correct.
   
  If you have any further questions or additional documentation to support your claim, please let us know. Thank you, and we wish you all the best.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/23/2025

  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.

  Purchased the product for credit building in 4/17/2024 upon completing Kikoff has not returned my funds they are saying that they are unable to put my funds back on the card that they where paying themselves from monthly I've been speaking with them asking that they put the money back on the card they continue to say they need a code from the Bank to assure that it is the right account but it takes 28 to 48 hrs to recieve the code and each time they are not excepting the code asking that I do it over again and now 2 months of this code geting and my funds has not gone into my bank account that I used to purchase their product. This is bank to bank electronic funds transfer. Started in April should only be 12 months of payments for building credit according to kikoff there's no option for withdrawal on the home page was there but now it is not.

  Business Response

  Date: 07/28/2025

  Hello ******, 

  Thank you for reaching out. We understand the importance of resolving this matter and we appreciate the opportunity to address your concerns. 

  We apologize for the inconvenience you are experiencing in trying to link your bank account to withdraw your Credit Builder Loan funds. Our investigation reveals that you initially requested a paper check withdrawal, which was later voided. We also note that our team previously sent you instructions on how to connect your bank account to your ****************** profile, but you have not provided the necessary verification documents. Due to security and safety purposes, we require verification of your bank account before allowing withdrawals. Once verified, you can withdraw your funds through your bank account, which will take 3-5 business days to post.
   
  We have also investigated your claim that the withdrawal option is not available on the app and found that the withdrawal button is still visible on your Kikoff account.
   
  To withdraw your Credit Builder Loan funds, please follow these steps:
  Navigate to your dashboard in the Kikoff app and find the "Withdraw your savings now" link.
  1. You can withdraw your funds through your bank, but you must first link your bank account. 
  2. To link a bank account, follow these steps:
   
  Enter the Kikoff app.
  1. Navigate to the Account tab and select "Linked Accounts".
  Select Add Account, then "Bank Account".
  2. Use "Plaid" to log into and link your external bank account. 

  When verifying your bank account, please ensure that the following conditions are met:
  1. The name on your bank account matches the name on your Kikoff profile.
  2. The bank account information entered is accurate and matches the account you are trying to use.
  3. The uploaded document includes your first and last name, the last 4 digits of your bank account number, and has a recent date (within the last 90 days). 
  4. If you are unable to link your bank account, you can opt for a paper check, which typically takes ***** business days to arrive.
   
  We apologize for any inconvenience this has caused, thank you for bringing this to our attention and wish you well in your financial future.
  

  Kikoff Customer Operations

  Customer Answer

  Date: 07/28/2025

   
  Complaint: 23640581
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *****

  If these few steps were all that was needed why would it take from May to look like some where in August to do something that should have taken five to ten minutes to get done I do not except your words this is not how commerce is done you exceeded the time allowable by law to refund my funds to my account  you have no respect for the community that helps you earn your money if I can sue your company I will and  want be sorry because after as many phone calls I tried to get the account which you where being paid out of for the pass 12 months  electronic funds transfer without difficulty and upon completion all you can say is I'm sorry you are correct you are. And I still don't have my funds today make it make sense.

  Business Response

  Date: 07/31/2025

  Hello ******, 

  We appreciate the opportunity to continue assisting you in this matter. We regret any inconvenience this may have caused and would like to reiterate that, for security and safety reasons, we need to verify your bank account before processing withdrawals.
   
  Our records indicate that your bank account has not yet been verified, which is preventing you from withdrawing funds via your bank account. If you continue to encounter difficulties verifying your bank account through Plaid, please be aware that we offer alternative withdrawal options, including a paper check.
   
  To receive your Credit Builder Loan funds by paper check, you need to remove your bank account details from your Kikoff profile and opt for a paper check withdrawal, which usually takes ***** business days to arrive.
   
  We apologize for any inconvenience this has caused and appreciate your understanding.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/19/2025

  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.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: KIKOFF Account #: CLLTYQ****Balance: $40.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  Business Response

  Date: 07/23/2025

  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 November 21, 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. 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 received 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.
   
  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.

  Our records show we have responded to two prior BBB complaints from you, one in which you allege that we are inaccurately reporting your account and another in which you claim the account is fraudulent. We have thoroughly investigated your account and our findings remain unchanged. 

  For security of your account information, our support team will send 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:07/18/2025

  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.

  COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.

  Business Response

  Date: 07/23/2025

  Hello Kenya, 

  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.
   
  First and foremost, we as a company are not in the practice of debt collection and are not debt collectors. Any notifications of payment due on an account are sent to assist you in keeping your account current and intended to support your credit journey while the account is still in an open or active status. While we are here to support you, we do not engage in abusive acts, deception, or unfair practices. Once an account meets closure, electively or not, further communications regarding any payments owed/due will cease. If you are seeing an amount owed on your credit report, this is due to a non-elective closure that took place because we did not receive payment for an extended period of time nor did we receive a request for closure from you.
   
  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. 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. 
   
  According to our records, the terms and conditions for your account were accepted on April 29, 2024 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.
   
  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

• Initial Complaint

  Date:07/16/2025

  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.

  My name is ******** ******** ********** ***** and I am reporting multiple accounts and inquiries that I do not recognize and did not authorize. I believe I am a victim of identity theft. The accounts listed under my name include a *********** credit card opened in July 2022 with a balance of 2235 a ******************* sales contract from July 2024 for *************************************** August 2024 for 1682 a Kikoff Lending charge card from September 2024 for 385 and a Navy Federal credit card from June 2024 with a balance of 7155. I also see hard inquiries from companies like ********** ******************* *** Truist ********* *** and ************** which I did not authorize. These accounts and inquiries are not mine and I am requesting that they be investigated and removed from my credit report. I am concerned that someone has used my personal information without my permission

  Business Response

  Date: 07/18/2025

  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. 
   
  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 September 5, 2024, all of which matched. 
   
  In our investigation we found that all activity on the account originated from a device matching your location. We also confirmed that the billing ZIP code on the payment methods linked to the account matches your address. While we acknowledge the submission of an *** report, please note that an FTC report alone does not constitute sufficient proof of fraud. We understand that contact information may change over time; however, our investigation confirms that the information used at the time of signup remains applicable and current for you. We have verified that both the phone number and email address on the account have been associated with you long before the account was opened.
  
  Furthermore, during the application process, you electronically acknowledged our terms, which is a required step to proceed with opening the account. We sympathize with your situation and would take action if the evidence indicated otherwise. However, we also have a responsibility to report accurate information, which in this case appears to be correct.
   
  Thank you, and we wish you all the best.

• Initial Complaint

  Date:07/16/2025

  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.

  So, I signed up for a ************** Loan Account, they told me that I can get my 120 dollars back after I paid it off and when I did all I got was 50 dollars and that was it. I want to know what happened to the other money that was promised when I signed up for it? This is misleading and this can lead to a class action lawsuit if this isn't fixed. So, I pray, please help me.

  Business Response

  Date: 07/18/2025

  Hello *********, 

  Thank you for reaching out with your concerns. We understand the importance of resolving this matter and appreciate the opportunity to address it.
   
  First, we would like to address your concerns regarding how our Credit Builder Loan works. The Credit Builder Loan is a service that helps you save money and build credit at the same time. Payments are $10 per month for 12 months. Upon closure or successful completion of the Credit Builder Loan, all funds you paid into the account are returned to you. 
   
  Upon investigation, we found that you made only five payments of $10 between August 2024 and February 2025. The last payment we received from you was on February 21, 2025, and the account was closed on May 30, 2025, due to an extended period of nonpayment. Our records indicate that you transferred the $50 funds paid into the account to a bank account on July 15, 2025. Again, as this account is designed to help you build credit and save money at the same time, only the funds you pay into the account are eligible to be withdrawn.
   
  We wish you well, and hope this explanation is helpful. If you have any further questions or concerns, feel free to reach out to us at ********************************************************.

  Kikoff Customer Operations

  Customer Answer

  Date: 07/19/2025

   
  Complaint: 23606750
  
  I am rejecting this response because:
  Because it told me that I paid it all off and that it was done. Your tracking system is messed up or something, cause I know I paid the fill 120. 
  Sincerely,
  
  ********* *****

  Business Response

  Date: 07/23/2025

  Hello *********, 

  Thank you for your continued engagement.
  
  According to our records, we have found no correspondence indicating that you would receive the $120 even if the payments were not completed. Please note that before withdrawing any available funds, you will be able to see the amount you are eligible to withdraw based on the payments youve made toward your Kikoff Credit Builder Loan.
  
  You can also review your transaction history by following the steps below and confirming the payments made through your bank.
   
  Log in to your Kikoff app
  Click the Credit Builder Loan on the homepage
  Click the gear icon on the top right corner of your screen
  Click Transaction History  
  If you have any further questions or concerns, feel free to reach out to us at ********************************************************.

  Kikoff Customer Operations

• Initial Complaint

  Date:07/15/2025

  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 charter communications. i do not have a contract with KIKOFF LENDING, LLC. they did not provide me with the original contract as i requested

  Business Response

  Date: 07/18/2025

  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 October 25, 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.
   
  In your dispute, you mentioned that Kikoff did not provide the original contract as per your request. Based on our records, this appears to be the first time we have received correspondence from you. If you had previously reached out to request documentation, we would have gladly provided all relevant records related to your account.
   
  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 do not hesitate to reach out if you have any further questions or require additional support. 

  Kikoff Customer Operations