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:11/25/2025

  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.

  There is a unauthorized charge on my account for ****** for a charge from something called newegg i never heard of this place or ever shopped the and chime has denied my claim without investigating i submitted my claim on 11/19 once i noticed it posted on 11/20 it was denied there is no way it was investigated especially when my my bank statement shows i never used this merchant i then called on 11/24 to request the report in how the denied my claim and was denied those reports as well and hung up on and **** refused to do my rebuttal after explaining to them that their legally suppose to investigate my claim because it was unauthorized its no way it was investigated over night that fast

  Business Response

  Date: 11/27/2025

  Thanks for reaching out. It looks like the complaint you submitted was intended for Chime rather than Kikoff. Unfortunately, were unable to assist with issues related to another companys products or services.
   
  To make sure you get the support you need, we recommend contacting Chime directly to file your complaint with their team. If theres anything related to your Kikoff account that we can help with, please email ********************************************************. 
  

  Customer Answer

  Date: 11/28/2025

  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:11/19/2025

  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.

  I am filing this complaint due to Kikoffs continued furnishing of inaccurate, unverifiable, and unlawfully reported derogatory information to Experian, Equifax, and **********. Despite multiple formal disputes and lawful notices, Kikoff refuses to correct the reporting or provide the documentation required under federal law.Kikoff claims that an electronic click-wrap acceptance from 2022 constitutes full written authorization to obtain, furnish, and distribute my personal financial information. However, Kikoff has repeatedly failed to produce any signed contract, original application, or evidence of a permissible purpose as required under 15 U.S.C. 1681b. They continue to transmit negative payment history, late payments, and a charged-off status without providing verifiable proof or lawful authorization.Kikoff is reporting a charge-off while simultaneously asserting that I still owe a balance. This is misleading and creates an inaccurate representation of the account, violating the Fair Credit Reporting Act and the requirement that all furnished data be accurate, complete, and verifiable. Kikoff has been provided multiple opportunities to cure these violations, yet continues to dismiss disputes with the same generic response, without reinvestigating as required by law.I am requesting that the BBB assist in resolving this matter by requiring Kikoff to:1.Permanently delete all derogatory marks, late payments, and the charged-off status from all three credit bureaus.2.Provide written confirmation that the account has been corrected and that no further derogatory information will be furnished.3.Cease labeling legitimate disputes as duplicates.Kikoff has demonstrated a pattern of ignoring consumer rights and refusing to comply with federal standards. I am requesting BBB involvement before escalating to additional regulatory agencies and litigation.

  Business Response

  Date: 11/21/2025

  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. Our records show that the last payment we received from you was on June 28, 2024, and the account was charged off on February 14, 2025, due to an extended period of nonpayment. 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.
   
  In your complaint you requested a copy of your signed contract with Kikoff. As a company that serves our customers virtually, acceptance of our account terms is completed electronically as a required step to open an account, and we do not use wet or physical signatures. We are committed to transparent communication and ensuring you have access to all pertinent information about your account.
   
  Kikoff understands how important your privacy is and how you might be concerned about distributing your personal financial information. We would like to direct you to our privacy policy that is made available inside your account at any time, which forms part of our Terms of Service and outlines how Kikoff uses your information. 
   
  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:11/19/2025

  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.

  I signed up for there credit builder loan on February 17th 2025. On November 17th 2025 I asked customer service when I make the last 2 payments what the fees would be that would be taken out from the saving Ive been paying in. I.e 35 dollars a month. They informed me that my credit builder account was closed on February 19th and they've been taking my 35 a month under a fraudulent contract I agreed upon. Then refused to correct the situation. I feel completely scammed and wish I would have known sooner. I had asked this same question to customer service 5 months ago and was told a whole nother deal that I would receive 120 at the end of the 12 months. Now I feel bamboozled and wonder how many other people signed this contract only to have them close the loan after 2 days and continue to take yourpay.ent every month.

  Business Response

  Date: 11/21/2025

  We would like to address the confusion between the Kikoff Credit Builder Loan and the Kikoff Credit Account. We'd like to start by confirming that both your Credit account and Credit Builder loan are closed, so no further payments will be taken. 
   
  The Kikoff Credit Account offers a tradeline that is reported to the credit bureaus and is available to use for purchases in Kikoffs online store, most commonly used to purchase one of our credit-building subscription plans. In the case of your account, you were enrolled in the Ultimate plan which charges the tradeline a total of $420, to be paid off in the $35 monthly payments. The Credit Account is designed to help our customers build and improve their credit by showcasing positive payment history, as payment history is the biggest factor in credit scoring. Since the tradeline can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring. In your case, Kikoff has reported 9 payments as on-time to help build your credit. 
   
  The Credit Builder Loan is an optional add-on service for the Kikoff Credit Account that helps you save money and build credit at the same time. This is a secured installment where you pay $10 pay monthly and at the end of your term, the funds are returned back to you. 
   
  In review of your account, you were enrolled in the Credit Account on February 17, 2025 and it was closed on November 17, 2025. You were enrolled in the Credit Builder Loan on February 17, 2025 and it was closed on February 19, 2025. Credit Account payments payments are for a subscription service designed to assist in building credit. These payments are non-refundable once they have been reported to the credit bureaus, as they have been applied according to the account agreement. Our website does clearly state that Credit Account payments are not returned to you up-on completion as they are with the Credit Builder Loan.
   
  We apologize for any confusion you may have had regarding our products, and we would like to reassure you that all of your payments were made on time and reported as such, which positively contributes to your credit. Thank you for the opportunity to further clarify our products, if you have any additional questions, please reach out to us at ********************************************************.
  
  
  
  
  
  
  

• Initial Complaint

  Date:11/18/2025

  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.

  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: 11/19/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns. First and foremost, 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 on April 26, 2024, and outlines the responsibilities of the loan and the monthly payment reporting to the credit bureaus.
   
  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, 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. Our records show that the last payment we received from you was on September 26, 2024, and the account was charged off on May 23, 2025, due to an extended period of nonpayment. 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.
   
  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:11/18/2025

  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.

  I am writing to bring to your attention a fraudulent account that has been opened in my name . I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:Creditor Name: KIKOFF Opened Date: 9/2/2021 Account Number: **********I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

  Business Response

  Date: 11/19/2025

  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 did not open or authorize the account. 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 on September 2, 2021, all of which matched. Upon further review, corresponding emails were successfully sent and opened, and your postal code matches with the ** addresses and payment method on file. 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, and we have confirmed that there were successful login activities recorded in the account.
   
  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.

• Initial Complaint

  Date:11/17/2025

  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 have here to fore contacted Kickoff to close my accounts. So far three times I have been told they were closed. However I continue to receive bills for late payments. And its being reported on my credit report. Tonight I again tried to communicate. No one understands my concerns. I asked for a supervisor and was denied.

  Business Response

  Date: 11/21/2025

  Thank you for reaching out. We appreciate the opportunity to address your concerns, and we understand how frustrating it must be to have to reach out multiple times to close the account. In review of your account we can confirm that your account was closed on November 16, 2025. Please note that closing an account does not remove the account or its prior payment history from your credit report however, we can assure that there was no negative reporting made on the account, and you should not be receiving any late payment notifications moving forward.
   
  We apologize for any inconvenience this has caused. If you have any further questions, you may contact us directly at ******************************************************** 
  

• Initial Complaint

  Date:11/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This account is inaccurate. Pleaseremoveit.

  Business Response

  Date: 11/19/2025

  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). 
   
  Our records show that the last payment we received from you was on March 23, 2023, and the account was charged off on November 17, 2023, due to an extended period of nonpayment. 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. Additionally, please note that Kikoff does not engage in debt collection. 
   
  Regarding the claim that you did not create this account, we have reviewed the application process. 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 did not open or authorize the account. 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 March 23, 2023, all of which matched. 
   
  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:11/13/2025

  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: 11/17/2025

  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. Our records show that the last payment we received from you was on September 20, 2024, and the account was charged off on May 9, 2025, due to an extended period of nonpayment. 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.
   
  Please also be informed that Kikoff reports the same information to all credit bureaus, but each bureau may display or update it differently. The formatting may be different, but the underlying information should match. 
   
  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:11/12/2025

  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.

  KIKOFF ************** i paid 20problem with my bank some use debt card can not use my card this is a fraud they said to me my *** 450 CREDIT SCORES THEY GAVE ARE ***** AS OF TODAY I CANCEL THEM AND THEY THEY PUT ON MY CREDIT AS LATE ACCOUNT GET PAID 29 OF THE MOUTH BAD COMPANY TO DO BUSINESS ANY **** I FIND ON MY CREDIT I WIIL GET LAWLYER I AM 70 YEARS OLD I DO NOT NEED POPLE LIKE THIS

  Business Response

  Date: 11/17/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  First, we would like to address your concerns regarding how our Credit Account works. When you open a Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. Depending on the plan you choose, the tradeline is charged a balance for the annual total of the monthly payments. In the case of your account, you're currently enrolled in the Ultimate plan which charges the tradeline a total of $420, to be paid off in the $35 monthly payments you were paying. The Credit Account is designed to help our customers build and improve their credit by showcasing positive payment history, as payment history is the biggest factor in credit scoring. Since the tradeline can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring. The tradeline is legitimate, and is reported in compliance with all applicable lending rules and regulations. 
   
  Upon further review, we can confirm that there were no late payment records on the account. Your previous plan was the $5 plan, and it was upgraded to the $35 plan on October 3, 2025. 
   
  All of our customers have the right to cancel their account(s) with us at any time with no penalty or fees. Unfortunately we do not have a cancellation request on file for this account, otherwise it would have been processed. Please be aware that your account is currently past due. In order to avoid a late payment being reported, we kindly suggest making a payment through your Kikoff app or reaching to ******************************************************** to close your account.  
   
  We wish you well, and hope this explanation is helpful.

• Initial Complaint

  Date:11/12/2025

  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 was under the impression that this company gives you a small credit line so you can pay it off and then they increase it and this helps out with your credit score. It say right on the website that you can cancel at anytime no strings attached no money owed no problems. Well they did not approve me for a credit line I have no card from them and I am paying $5 month for 12 months! I canceled it right away online however they still charged me. So I called them they basically told me that the cancellation didnt go through and threatened me that if I cancel now they will report negatively to the credit bureau and this will affect my credit badly by 80% this is crazy I dont even have open credit with these people! Please tell me that there is something I can do about this and it not reduce my credit score. Thank you for your time.

  Business Response

  Date: 11/17/2025

  Thank you for reaching out. We understand the importance of resolving this matter, and we appreciate the opportunity to address your concerns.
   
  First, we would like to address your concerns regarding how our Credit Account works. When you open a Kikoff Credit Account, you receive a tradeline that is reported to the credit bureaus. Depending on the plan you choose, the tradeline is charged a balance for the annual total of the monthly payments. In the case of your account, you were enrolled in the Basic plan which charges the tradeline a total of $60, to be paid off in the $5 monthly payments you were paying. The Credit Account is designed to help our customers build and improve their credit by showcasing positive payment history, as payment history is the biggest factor in credit scoring. Since the tradeline can only be used in the Kikoff store, this also helps keep your credit utilization low, which is another key factor in credit scoring. The tradeline is legitimate, and is reported in compliance with all applicable lending rules and regulations. Additionally, it is important to note that the Credit Account does not come with a physical or virtual card.
   
  All of our customers have the right to cancel their accounts with us at any time with no penalty or fees. Unfortunately, the account was not cancelled right after signup and it is still active. If you no longer wish to keep your account, you can log in to your Kikoff account. However, it is also important to note that this closure may have an impact on your credit.
   
  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 ********************************************************.