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:09/22/2025

  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.

  This company had violated my rights as a consumer and is not following **** guidelines I am asking for this account to be deleted because they are reporting inaccurate information on my credit report they violated the 15 U.S. Code 1681e b by reporting inaccurate stuff on my credit report

  Business Response

  Date: 09/23/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. For this reason, Kikoff provides a generous ***** period for payments. However, your payments have consistently fallen outside this period. As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). We make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox.
  
  In review of your account, we see the original account held with us that was opened on August 22, 2022 had a lapse in payments received which is why you are seeing the late remarks on your credit file. Prior to the charge off, the last payment we received on your account was on October 7, 2022 and the account was charged off in July 2024. While you have paid the charge-off balance on March 15, 2025, paying a charge-off does not remove the account or its prior payment history from your credit report. 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 have since received several disputes from the bureaus in which we have investigated and responded accordingly to reflect the payment made in March. If you do not see that reflected in your report, please contact us with a copy of your credit report so we can investigate further and ensure the account is reflecting the prior charge off was paid in full. 
  
  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 ********************************************************. 

  Customer Answer

  Date: 09/24/2025

   
  Complaint: 23919174
  
  I am rejecting this response because:
  Ive asked these companies multiple times to re-investigate and make sure that this act is 100% accurate and you have failed to do so in a timely manner so can you please update it the right way or remove it from my credit report Ive been waiting monthly n you guys are hurting my credit score way wrong reporting inaccurate information

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

  Business Response

  Date: 09/24/2025

  Thank you for your follow-up. We understand the importance of accurate reporting. As we stated in our last reply, Kikoff has received multiple disputes regarding this account and has investigated and responded to each in accordance with the Fair Credit Reporting Act (FCRA). Adjustments that can be made, such as reflecting your March 15, 2025 payment, have been completed.
  
  If your credit report does not show the updated status, please contact us at ******************************** to provide a current copy so we can review it and ensure it accurately reflects that the charge-off balance has been paid in full. Please also note, paying it in full will not remove it from your credit history. 

• Initial Complaint

  Date:09/19/2025

  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.

  They took money out of my account without permission. I stop them and they ruined my credit with late payments. I had told them to cancel this membership and they did not!

  Business Response

  Date: 09/22/2025

  Thank you for bringing this matter to our attention. We regret any frustration this situation has caused and appreciate the opportunity to provide clarification.
  
  Our records show that you reached out to us in March 2022 to request account closure. At that time, a balance remained on the account, and per our process then, closures could not be completed until the balance was settled. In May 2022, we updated our policy to remove this requirement, and your account was fully closed on May 18, 2022.
  
  We can confirm that no payments were collected from you. Since that time, we have also implemented additional safeguards, including requiring verified contact information and an initial payment before reporting to the credit bureaus.
  
  Because we were not able to confirm whether one or both of these updated requirements applied to your account, we have taken further action to ensure resolution. Specifically, we have requested that the tradeline associated with your account be deleted from the credit bureaus. Please note, it may take *********************************************************************************** your credit report.
  
  We hope this resolves your concerns and appreciate your patience while the bureaus finalize the update. If you have any further questions or concerns, feel free to reach out to us at *********************************

  Customer Answer

  Date: 09/22/2025

   
  Complaint: 23906165
  
  I am rejecting this response because: You never gave me a $750.00 credit line. Please refund all the money you took from my account as well as removing it from my credit report!
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 09/22/2025

  We appreciate the opportunity to address this follow-up.
  
  Our review of your account confirms that no payments were ever collected from you. Because there is no record of funds being withdrawn from your account, we do not have any money to refund.
  
  That said, we recognize your concerns about the reporting and have already submitted a correction request to the credit bureaus to remove this account from your credit file. Please note that bureau processing times can vary, but you should see this change reflected in your report within 7-10 business days. We trust that this satisfies your request and if you have additional questions please contact our support team at ********************************************************
  

• Initial Complaint

  Date:09/18/2025

  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 have a credit account with ******************, paid off as of last month. It has been accurately reported to Experian and **********, however it has not been accurately reported to Equifax, apparently with 3 missing payments and a balance of $245 instead of 0. I filed a dispute with ******* about a week ago about this inaccuracy, and they determined it to be accurate despite us both knowing its not. I have attempted to reach out to Kikoff about the matter and they have not been responsive at all. I seek to dispute this information directly with them, if a BBB complaint is another way to get a hold of them to resolve this matter, but if they do not, I will have escalate the matter, including file a complaint with the **** or to bring legal action against Kikoff and ******* for violating the **** as they are required by law to report accurate information, and they did not do so.

  Business Response

  Date: 09/19/2025

  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 information can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. 
  
  In your complaint, you stated that we reported different information to different credit bureaus. We would first like to clarify that while Kikoff consistently reports the same information across all applicable credit bureaus, we do not have control over how the bureaus process and display the information. Each bureau is its own separate entity, and it is common to see minor variances in the information reported. This does not reflect inaccurate or inconsistent reporting, and our furnishing records confirm the account has been consistently and accurately reported. 
  
  Regarding the discrepancy noticed, this can either stem from an unofficial credit reporting service or our credit reporting timeline. Our reporting occurs on the first business day of every month, and it may take the bureaus 7-10 business days to accept and upload the information to your credit reports. If you've received a report from a third-party credit-monitoring app such as Credit Karma, please note that the information obtained from such third-party sites may not be entirely accurate. For the most reliable and up-to-date information, we recommend accessing free copies of your credit reports through authorized sources such as **********************. 
  
  If you have additional questions, feel free to contact us back at ********************************

  Customer Answer

  Date: 09/20/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:09/18/2025

  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: 09/19/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. 
   
  We have reviewed your complaint and understand the impact that accurate payment history can have on a credit report, and it is always our goal to support our customers in maintaining positive credit outcomes. For this reason, Kikoff provides a generous ***** period for payments. However, your payments have consistently fallen outside this period. As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA). We make every effort to keep our customers informed of account statuses through email notifications, which we understand may have been overlooked in your inbox.
   
  In review of your account, there was a lapse in payments 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.
   
  Additionally, we as a company are not in the practice of debt collection and we 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. We would like to direct you to our account terms which form part of our Terms of Service, that you accepted electronically during account opening, and outlines the responsibilities of the loan and the monthly payment reporting to the credit bureaus.
   
  For statements confirming the payment history of your account, please reach out to ******************************** and request account-specific statements directly. Thank you for reaching out and allowing us the opportunity to address your concerns. 

• Initial Complaint

  Date:09/17/2025

  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 viable for this debt for with kikoff, I do not have contract with kikoff, they did .not provide me with the original contract as I requested

  Business Response

  Date: 09/19/2025

  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 June 24, 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.
   
  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 ********************************************************. 

• Initial Complaint

  Date:09/17/2025

  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 report a fraudulent account that has been opened in my name with Kikoff. 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 Name: Kikoff Opened Date: 8/20/2024 Account Number: **********High Credit: $420.00 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 confirmation of the accounts closure and any documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 09/19/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. 
   
  We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  In your complaint you advise that you are a victim of . To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified, including name, DOB, address, and SSN. In the case of this account, we have reviewed and reconfirmed the verification process of the information provided during account signup back in November 30th, 2020 all of which matched. At this time we do confirm that your account was closed after an extended period of non payment on August 17, 2025.
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
   
  Thank you 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 ********************************************************. 

• Initial Complaint

  Date:09/16/2025

  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.

  order this online deal to help boots credit back in May 2025 , and canceled it through app same day. now they are trying to say it wasn't canceled and they are reporting it to credited report as being delinquent this is unexcepable . they are refusing to fix credit report. when it was cancel the same day through app

  Business Response

  Date: 09/19/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  In your complaint you stated that you closed your Kikoff account. After reviewing account and application activity, we can confirm the account was not closed and late payments were reported as a result. All Kikoff 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 did locate two occasions in which you contacted our support team which were July 31st and September 11th 2025. During these contacts we received requests to have the reported information removed from your credit report. During the July 31st contact, we were unable to verify your identity, and as a result, we were unable to process the closure of the account. On September 11th, you confirmed your request to have the account closed but again we were unable to complete the request because you ended the call abruptly. At this time we have taken action to close your account in response to the complaint. Please note with this closure, you no longer owe Kikoff any funds nor will we request further payment from you however this closure will not remove the account from your credit history. 
   
  We 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, the payment due on July 12, 2025, fell outside of our ***** ******* As a lender, we have a responsibility to report payment information truthfully and accurately, as required by the Fair Credit Reporting Act (FCRA).
   
  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 *********************************

• Initial Complaint

  Date:09/16/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Kikoff Lending LLC. I do not have a contract with Kikoff Lending LLC. They also have not provided me with the original contract as requested.

  Business Response

  Date: 09/19/2025

   Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  To ensure accurate credit reporting, we verify contact information and require our customers to make a payment before we report information to the credit bureaus. We were not able confirm to one or both of these cases for your account and have requested a deletion with the bureaus. Please note, it can take 7-10 business days for them to process the request. 
   
  If you have any further questions or concerns, feel free to reach out to us at *********************************

• Initial Complaint

  Date:09/16/2025

  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.

  Started their Ultimate Plan 08/22/2024, paid $35 and about to be charged $35 on 9/20 and they say its for July-22 through August-22-2025. Was told it auto renewed on 8/21 for $35 and I downgraded on 8/26 and the billing started on 08/22. My question is why am I still paying for Ultimate and you changed my plan on the app and on my credit report. Ultimate has a credit line of $3500 and the basic has $750. My credit report says Kikoff reported my lower credit line on 08/31. This is important because after my first $35 payment 8/22/2024, the credit line of $3500 wasn't reflected on my report until 09/1 per supervisor ****** *******. In essence I paid for a year and it was reported for 11 months as $3500 because they last reported it as $750. If I paid in August and last payment of $35 will be in August, the reporting should be 9/1/2025 as it started in 9/1/2025 otherwise I paid for a service I didn't receive. I asked to speak to someone else as Mr. ******* became frustrated with me and his tone was unacceptable. I asked for a refund or to have the service for 12 months like I paid.

  Business Response

  Date: 09/19/2025

  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 you have stated that your tradeline of $3500 for the Ultimate plan was only reported for ******************************************************************************************************************************************* maintaining positive credit outcomes. 
   
  Our records show that you signed up for the Credit Account on August 22, 2024 under the Ultimate plan and you downgraded to Basic plan on August 26, 2025. Upon further review of the account, you have made successful on time payments of $35 for 12 months, this means that the tradeline of $3500 was also reported for 12 months since you have managed to keep the plan for a whole cycle.  
   
  Furthermore, please be informed that we typically report on the first day of every month, and it can take the bureaus 7-10 days to process and upload the information, making it visible on your credit reports. We assure you that all reported information accurately reflects your credit history. If more than 45 days have passed, and you haven't observed the expected changes on your credit report, please reach out to ********************************* we're happy to help! 

  Customer Answer

  Date: 09/20/2025

   
  Complaint: 23891060
  
  I am rejecting this response because:

  you still did not provide me with the information I spent an hour on the phone for. You reported the trade line of $3500 from 9/1/2024 to 8/31/2025, charged me $35 on 9/20/25 for the trade line you downgraded and told me because it auto renewed at that price on 8/21/25. Just break this down and make it plain for me. Then I said I want to cancel because I do not have this time to be arguing over MY MONEY and was told I owe $95FOR WHAT?! 
  I am seeking specific answers to my specific questions.

  
  Sincerely,
  
  Tanura *******

  Business Response

  Date: 09/24/2025

  We want to start by confirming that your Ultimate Plan was renewed on 8/26/25. When a plan renews, a payment is charged for that plan, in this case, $35, which was paid on 9/20/25.
  
  Since your plan renewed before you downgraded, that $35 payment carried over to your new plan. When you downgrade, your current balance updates right away to match the lower plan amount, but your amount due remains the same until the next billing cycle. On your next statement, you will see the updated balance and will only be charged the amount corresponding to your new plan going forward should you choose to keep the account open. We also note that you spoke with our support team today, both on the phone and over chat, during which it was explained what the payment covered and the period it applied to. Please note that payments generally cover a prior period of service, typically the month before.
  
  Regarding your closure request, self closure is made available in the app on your account. You can review the article below if you need help or if you would like us to close the account on your behalf, please reach out to ********************************************************.
  
  **********************************************************************************************************************;

  Customer Answer

  Date: 09/24/2025

   
  Complaint: 23891060
  
  I am rejecting this response because:

  the attachment above was sent to me on Saturday and reflects what I said, you did NOT provide me the service I paid for. The explanation above does not tell me why Im expected to pay $35 for ultimate no matter your processes and receive a lesser service. What you could have done like I asked was refund me or fix my account. You did neither.
  
  Sincerely,
  
  Tanura *******

• Initial Complaint

  Date:09/16/2025

  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.

  In early April 2025, I applied for an apartment lease, but my application was denied due to negative accounts appearing on my credit reports. After reviewing my reports from Equifax, Experian, and **********, I discovered multiple accounts that do not belong to me, including two Kikoff accounts.I never applied for, authorized, or used these Kikoff accounts. The fraudulent accounts appear to have been opened around January 2023 and later reported negatively. I am a victim of identity theft.The timing of these fraudulent accounts coincides with a robbery I suffered, during which my cell phone and personal documents were stolen, including my state ID, debit cards, and credit cards. Since then, I have taken the proper steps under the Fair Credit Reporting Act (FCRA). Specifically, I provided:- An FTC Identity Theft Affidavit,- A police report I filed regarding this matter, and - A police report regarding the theft of my belongings Together, these documents constitute an Identity Theft Report under 15 U.S.C. 1681a(q), which triggers my rights under 15 U.S.C. 1681c-2. That law requires Kikoff to block and cease furnishing fraudulent information to the credit reporting agencies.Despite this, Kikoff continues to report these accounts as valid and claims I am responsible. This false reporting has already caused me financial harm, including the denial of housing.

  Business Response

  Date: 09/19/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. We have reviewed your complaint and understand the impact that an unauthorized account can have on a credit report. We have reviewed the application process, and also considered all information provided in your recent dispute. Unfortunately based on our internal investigation of the account verification and approval process, there is insufficient evidence to support removal of this tradeline. 
   
  In your complaint you advise that you are a victim of victim of identity theft. 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 April 8, 2023, 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. 
   
  We do sympathize with your situation, and would take action if the evidence indicated a different result, but we are also responsible to report accurate information - which in this case does appear to be accurate.
  Thank you, and we wish you all the best.